12.

• Picture your perfect year - take time to reflect on 2021 and think about what, if anything, you'd like to do differently in 2022.
• Track your growth - calculate your net worth is a good start. This is essentially your assets (cash in checking and savi...

• Find some inspiration - if your goals are feeling a little stale, search for some new inspiration. Depending on your interests, there are any number of online forums that might appeal to you. 
• Ask for what you're worth - one thing we're leaving behin...

• Learn about crypto - you shouldn't throw all of your money into cryptocurrencies, but at this point, you should take time to learn about them and how they work.
• Figure out your retirement number - Even if you're decades away from retire...

• Increase your savings rate - your savings rate is the percentage of your income that you keep each month, versus the amount that you spend. Increasing it, even slightly, will put you in a better overall financial position. You'll have additional money stashed away for a rain...

Make your money count - consider where your money has gone over the past year or so. Are you happy with how and where you're spending it? If not, make some changes in 2022. That could mean shopping more at local small businesses, cutting out massive retailers like Amazon or

• Stop timing the market - when the stock market starts getting rocky, it's natural to want to pull back to "save" money. Rather than letting your nerves get the best of you, think of a down market ...

• Make a plan for your benefits - familiarize yourself with your employer's benefits this year. There could be things available you haven't been aware of, such as financial planning sessions or wellness opportunities.,Don't let them go to waste.
• Do one task you...

• Contribute more to your Roth IRA - which let savers contribute money after they have paid taxes on it. Contributions and earnings grow tax-free (assuming investors follow the withdrawal rules), making them particularly powerful investment vehicles for workers in lower tax br...

• Be careful with trading apps - avoid investing through apps that make a game out of investing , particularly short-term investments. Make sure that you ha...