Welcome to a game-changing episode of the Building Your Money Machine Show! Today, I'm tackling a topic that most people don’t think about until it’s too late—the essential financial moves you must make before 2026. Did you know that 70% of people enter a new year in the exact same financial place as the year before? It’s not because we don’t work hard or care enough—it's because we don’t make the right moves at the right time.

I’ll walk you step by step through redesigning your spending plan, renegotiating expenses, realigning your spending with your values, and confirming your emergency fund to keep your nervous system calm. We'll check your net worth snapshot, capture all the free money you might be leaving on the table (think 401(k) matches, employee stock discounts, and HSAs), lock in your year-end tax strategies, and make sure you’re maxing out those tax-advantaged accounts before the deadlines hit.

This episode is your game plan to stop reacting to life and start directing it. Let’s make your money machine work for you, so you can focus on what really matters: dignity, peace, options, and living life on your own terms.

IN TODAY’S EPISODE, I COVER:

• Why 70% of people stay financially stuck year after year
• How to redesign your spending plan and audit the “big three” expenses
• Aligning your spending with your true values
• Building and reevaluating your emergency and peace-of-mind funds
• Calculating your true net worth and your all-important investable net worth
• How to maximize and optimize all your tax-advantaged retirement accounts

RECOMMENDED EPISODES FOR YOU

If you liked this episode, click here to enjoy these and more:
https://melabraham.com/show/

• The Smartest Order to Invest Your Money (Step-by-Step)
• It Sucks, But It’ll Skyrocket Your Net Worth
• It's Happening Again and What EVERYONE is Missing
• Accountant Explains: How to Invest Your First $10,000
• The 3 Net Worth Milestones That Change Everything

RECOMMENDED VIDEOS FOR YOU
 
If you liked this video, you'll love these ones:

• The Smartest Order to Invest Your Money (Step-by-Step): https://youtu.be/KWrFg8nP42Y
• It Sucks, But It’ll Skyrocket Your Net Worth: https://youtu.be/NDDBwDrkg_c
• It's Happening Again and What EVERYONE is Missing: https://youtu.be/sGaGRH396ms
• Accountant Explains: How to Invest Your First $10,000: https://youtu.be/8spO7HPBvDQ

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TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com