The blur of the holiday season can lull people into focusing on sales at the expense of crucial year-end financial housekeeping, which could save them more money than shopping discounts ever could. Dec. 31, 2025 is the last chance to make the following key money moves, which can pad your savings, lower your tax bill and set you up for financial success in 2026. Contribute To Employer-Based Retirement Funds Although Vanguard suggested contributing as much as possible early in the year to maximize compou ...