Get financially fit:

• Pay down high-interest debt

• Build / confirm 3–6 month emergency fund

Update financial snapshot:

• Cash flow statement

• Net worth statement

Review & rebalance investments; align with risk tolerance

Maximize retirement contributions (including catch-ups if eligible)

Handle taxes & paperwork:

• Q4 estimated tax (Jan 15 if applicable)

• Review W-2s, 1099s, stock compensation (RSUs/options)

Review insurance coverage (Feb)

Check credit report (Mar)

Use bonuses strategically (debt, savings, investing)