Year-end money moves that actually matter:

1. **401(k) match = free money** — 34% of people just leave it on the table. If your employer matches, max it out before Dec 31. Average match is 4.8%, but it's basically guaranteed ROI. No 401(k)? Go Roth IRA instead.

2. **Tax-loss harvesting** — Sold a stock at a loss? Use it to offset your gains and lower your tax bill. Works until December 31. Your net gains get taxed, so this move can actually save thousands.

3. **Emergency fund check** — How much liquid cash do you have? Should cover 3-6 months of expenses for peace of mind. Add up bank accounts + anything you can convert to cash in 1-3 days.

These three moves before 2026 can seriously stabilize your finances. Talk to a tax pro before implementing anything.