It’s the top of December. You’re probably exhausted from the vacations, stuffed with leftovers and able to ring in 2026. The very last thing you wish to do is consider cash. However the calendar doesn’t care about your fatigue. Dec. 31 isn’t only a get together date; it’s the arduous deadline for a number of “use it or lose it” monetary guidelines. Lacking them may price you 1000’s of {dollars} in taxes or misplaced advantages.