4 Financial Steps to Make 2026 Your Best Money Year Yet

Video Description

If 2025 felt financially weird or off-track, you are not alone. Today I’m walking you through the four essential steps to reset your money, rebuild your confidence, and make 2026 your best financial year yet. These are the exact steps I follow and the system I rely on to audit my accounts, plan my goals, build my annual budget, and stay consistent all year long. In this video, you’ll learn how to complete a financial snapshot, set aligned savings/ investing/ debt payoff goals, structure a realistic zero-based budget, and build accountability routines that actually help you stick to the plan. READ MORE ON SUBSTACKL https://breakyourbudget.substack.com/p/your-2026-financial-reset-the-4-steps?r=18pdud BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 NEW RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ BOOKS MENTIONED: Own Your Money: https://go.shopmy.us/p-35171046 Work-Optional: https://go.shopmy.us/p-35171135 The Simple Path to Wealth: https://go.shopmy.us/p-35171180 The Art of Spending Money: https://go.shopmy.us/p-35171235 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/mpf7u7uy Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac All Other Resources: https://breakyourbudget.com/links 👩🏼‍💻 Inquiries: [email protected] 📸 Instagram: https://www.instagram.com/breakyourbudget/ 📲 Tiktok: https://www.tiktok.com/@breakyourbudget 📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 — Why 2025 felt financially strange + why we’re resetting for 2026 00:34 — The 4 steps to make 2026 your best financial year yet 01:03 — How I plan my money with the Personal Finance Dashboard (PFD) 01:38 — Step 1: What a Financial Snapshot includes 02:10 — Account Audit: The four accounts you must have 03:32 — Cashflow Audit: Reviewing income, deductions, & recurring expenses 04:55 — Monthly Outflow Audit: How to categorize & average your spending 05:55 — Step 2: Setting your 2026 savings, investing & debt goals 07:40 — Step 3: Building a zero-based, 3-bucket budget for 2026 09:55 — Step 4: Accountability routines — weekly, monthly, and ongoing learning