Core Insights - More than half of Americans plan to make financial resolutions for the new year, with the primary goal being debt repayment [1] Group 1: 2025 Financial Review - The previous year included unexpected financial challenges, such as an emergency that impacted the emergency fund and delays in selling a former home [3] - Despite these challenges, the company achieved its emergency fund goal ahead of schedule and met its non-dividend passive income target, although it fell short on dividend income [3] Group 2: 2026 Financial Goals - The company aims to build its investment portfolio's cash position to 10% by the end of 2026, currently holding nearly 8% in cash [5][6] - The stock market, represented by the S&P 500, increased by 18% in 2025 and over 80% in the last three years, leading to a valuation significantly above historical averages [5] - The company plans to boost its emergency fund to cover six months of living expenses and increase projected annual dividend income by 20% by the end of 2025 [8]