Overview

• The loosely defined challenge runs from Sept. 1 through Dec. 31 and functions as a pre–New Year’s resolution for many participants.
• Users apply it to exercise and healthier eating as well as financial tasks like building emergency savings and paying down debt.
• Advisors recommend reviewing bank accounts and budgets, setting attainable goals tied to lifestyle, and building skills such as easy home cooking to curb takeout.
• Many participants post updates on TikTok to create accountability and community, with some, like a San Diego finance worker, documenting efforts to save $2,500.
• Coverage highlights strong interest from young adults facing a tough job market, citing NY Fed data showing 4.8% unemployment among recent grads versus 4% overall; the AP notes support from the Charles Schwab Foundation for financial literacy reporting.