As we close out 2026, it’s the perfect time to reflect on your financial progress and make sure you’re on track to meet your goals. Whether you’re just beginning your career or approaching retirement, a few simple steps now can help set you up for financial success in the new year. 
Review Your Budget and Financial Goals
Take a moment to evaluate your spending, savings, and financial goals. Did you accomplish what you hoped to this year? Are there areas where you could make adjustments? Reviewing your budget and identifying opportunities to reduce expenses or increase savings can help you start the new year with a stronger financial foundation.
Check Your Retirement Contributions
Review how much you’ve contributed to your retirement accounts this year. If you’re participating in the UNC 403(b) or 457(b) supplemental retirement plans, consider whether you can increase your contributions for the coming year. Even a small increase can make a meaningful difference over time, thanks to the potential for compound growth
Review Your Investments and Beneficiaries
As your financial goals and circumstances change, your retirement strategy may need adjustments. Take time to review your investment allocations to ensure they continue to align with your retirement timeline and risk tolerance. It’s also a great opportunity to review your beneficiary designations, especially if you’ve experienced a major life event such as marriage, divorce, or the birth of a child. To make changes to your beneficiaries with TIAA, click here.
Set Your Goals for the New Year
Whether your goal is to build an emergency fund, pay down debt, increase retirement contributions, or simply become more financially organized, setting realistic and achievable goals can help you stay motivated throughout the year.
A Little Planning Today Can Make a Big Difference Tomorrow
You don’t have to make major financial changes all at once. Small, intentional steps can build positive financial habits and help strengthen your financial future. As you prepare for the new year, take a little time to check in on your finances and retirement savings.