Working on your financial health should be a year-round exercise. To make a real difference to your balance sheet, you need to consistently implement strategies to lower your expenditure and increase your savings.
One of the areas of life which people tend to avoid is the admin surrounding their eventual death. It is a tough topic to broach, which is why millions of Americans are unprepared.
No matter what stage of life you are currently in, retirement needs to be something you have planned for. All things being equal, you will potentially live for decades during which you are not earning any income.
In 2022, go through your budget and see how you can use it to improve the quality of life you live. This will require you to think about the things you want most from your life.