3 Key Financial Moves To Make Before 2026 Hits, According to Humphrey Yang

Core Insights - Personal finance expert Humphrey Yang shared three financial strategies to enhance financial health before the end of 2025, targeting his 3.4 million TikTok followers [1][2] Group 1: Financial Strategies - Maxing out 401(k) match is highlighted as the "easiest and highest ROI move," with an average employer contribution of 4.8% [3][4] - Approximately 34% of individuals do not fully utilize their 401(k) match, which is considered "free money" [4] - For those without a 401(k) match, maxing out contributions to a Roth IRA or other retirement accounts is recommended [4] Group 2: Tax Strategies - Tax-loss harvesting is advised as a method to offset gains from profitable investments by selling stocks at a loss, which must be completed by December 31 [5][6] - This strategy can help reduce federal income tax liabilities and potentially offset ordinary income if capital losses exceed gains [6] Group 3: Cash Management - Individuals are encouraged to assess their liquid cash reserves to prepare for emergencies, aiming for an emergency fund that covers three to six months of expenses [7] - This cash can also be utilized to manage rising costs anticipated in 2026 [7]