The 3 Numbers Every American Should Check Before January 15

Group 1 - The article emphasizes the importance of focusing on three key financial numbers to achieve financial health in the new year [2] - Total debt assessment is crucial, and individuals should list all accounts and amounts owed, including various types of loans and past-due balances [3][4] - Organizing debts into long-term and short-term categories can provide clarity on financial obligations and inform spending and saving habits [5] Group 2 - Payroll deductions should be reviewed at the beginning of the year, as changes to health insurance and other benefits typically take effect in January [6] - Adjusting payroll deductions for income taxes and retirement savings early can minimize the impact on take-home pay [7]