{"id":12368,"date":"2019-12-17T14:27:48","date_gmt":"2019-12-17T22:27:48","guid":{"rendered":"https:\/\/canary.kcprod.info/blog\/?p=12368"},"modified":"2025-12-10T16:33:33","modified_gmt":"2025-12-11T00:33:33","slug":"4-ways-to-set-yourself-up-for-a-financially-healthy-new-year","status":"publish","type":"post","link":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/","title":{"rendered":"4 Ways To Set Yourself Up for a Financially Healthy New Year"},"content":{"rendered":"\n

Note: As of January 30, 2026, the Wealthfront Cash Account has a 3.30% APY. Read more about it here<\/a>\n.<\/em><\/p>\n\n\n\n

The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year. We know you\u2019re busy booking holiday travel, spending time with friends and family, and relaxing \u2014 so we\u2019ll keep this super simple. Here are four things we recommend considering before the end of 2019.<\/p>\n\n\n\n

1. Top off your emergency fund. <\/strong><\/h2>\n\n\n\n

No one likes emergencies, but having an adequate emergency fund can save you some unnecessary stress. Need some guidance on setting up the emergency fund that\u2019s right for you? We\u2019ve got you covered<\/a>.<\/p>\n\n\n\n

2. Make sure your cash is earning enough interest. <\/h2>\n\n\n\n

Is it earning an uninspiring 0.1% APY<\/a>? Is there too much of it?<\/a> The end of the year is the perfect time to reflect on whether or not your cash is working hard enough for you. (Psst, the Wealthfront Cash Account<\/a> currently offers a 1.82% APY \u2014 that\u2019s 18x the national average1<\/sup>.)<\/p>\n\n\n\n

3. Set up a taxable investment account. <\/h2>\n\n\n\n

We believe in investing money that you don\u2019t anticipate needing within the next 3-5 years<\/a>. If you\u2019re saving for the long term, we encourage you to consider a diversified portfolio of low-cost index funds with great tax-optimization features like those Wealthfront offers<\/a>.<\/p>\n\n\n\n

4. Create a financial plan. <\/h2>\n\n\n\n

Is your 401k enough<\/a>? Should you invest in a Roth or traditional IRA<\/a>? Wealthfront offers free financial planning<\/a> to help you set yourself up for the future you want. Learn more about when you\u2019ll be able to retire, how much house you can afford, and more. <\/p>\n","protected":false},"excerpt":{"rendered":"

Note: As of , the Wealthfront Cash Account has a APY. Read more about it . The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year. We know you\u2019re busy booking holiday travel, spending time with friends and […]<\/p>\n","protected":false},"author":129,"featured_media":12697,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1278],"tags":[2153,1604,1739,1697,1728],"coauthors":[82],"class_list":["post-12368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planning","tag-cash","tag-emergency-fund","tag-end-of-year","tag-financial-planning","tag-taxable-portfolio"],"acf":[],"yoast_head":"\nTips for a Financially Healthy New Year | Wealthfront<\/title>\n<meta name=\"description\" content=\"The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips for a Financially Healthy New Year | Wealthfront\" \/>\n<meta property=\"og:description\" content=\"The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/\" \/>\n<meta property=\"og:site_name\" content=\"Wealthfront Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-17T22:27:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-11T00:33:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2158\" \/>\n\t<meta property=\"og:image:height\" content=\"1068\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"The Wealthfront Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Wealthfront\" \/>\n<meta name=\"twitter:site\" content=\"@Wealthfront\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Wealthfront Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/\",\"url\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/\",\"name\":\"Tips for a Financially Healthy New Year | Wealthfront\",\"isPartOf\":{\"@id\":\"https:\/\/canary.kcprod.info/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png\",\"datePublished\":\"2019-12-17T22:27:48+00:00\",\"dateModified\":\"2025-12-11T00:33:33+00:00\",\"author\":{\"@id\":\"https:\/\/canary.kcprod.info/blog\/#\/schema\/person\/3eca21c0f00c276ebcaa3d634995cb77\"},\"description\":\"The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year.\",\"breadcrumb\":{\"@id\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#primaryimage\",\"url\":\"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png\",\"contentUrl\":\"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png\",\"width\":2158,\"height\":1068},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/canary.kcprod.info/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"4 Ways To Set Yourself Up for a Financially Healthy New Year\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/canary.kcprod.info/blog\/#website\",\"url\":\"https:\/\/canary.kcprod.info/blog\/\",\"name\":\"Wealthfront Blog\",\"description\":\"Personal Finance & Investing Insights\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/canary.kcprod.info/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/canary.kcprod.info/blog\/#\/schema\/person\/3eca21c0f00c276ebcaa3d634995cb77\",\"name\":\"The Wealthfront Team\",\"description\":\"The Wealthfront Team believes everyone deserves access to sophisticated financial advice. The team includes Certified Financial Planners (CFPs), Chartered Financial Analysts (CFAs), a Certified Public Accountant (CPA), and individuals with Series 7 and Series 66 registrations from FINRA. Collectively, the Wealthfront Team has decades of experience helping people build secure and rewarding financial lives.\",\"url\":\"https:\/\/canary.kcprod.info/blog\/author\/teamwealthfront\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tips for a Financially Healthy New Year | Wealthfront","description":"The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/","og_locale":"en_US","og_type":"article","og_title":"Tips for a Financially Healthy New Year | Wealthfront","og_description":"The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year.","og_url":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/","og_site_name":"Wealthfront Blog","article_published_time":"2019-12-17T22:27:48+00:00","article_modified_time":"2025-12-11T00:33:33+00:00","og_image":[{"width":2158,"height":1068,"url":"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png","type":"image\/png"}],"author":"The Wealthfront Team","twitter_card":"summary_large_image","twitter_creator":"@Wealthfront","twitter_site":"@Wealthfront","twitter_misc":{"Written by":"The Wealthfront Team","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/","url":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/","name":"Tips for a Financially Healthy New Year | Wealthfront","isPartOf":{"@id":"https:\/\/canary.kcprod.info/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#primaryimage"},"image":{"@id":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#primaryimage"},"thumbnailUrl":"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png","datePublished":"2019-12-17T22:27:48+00:00","dateModified":"2025-12-11T00:33:33+00:00","author":{"@id":"https:\/\/canary.kcprod.info/blog\/#\/schema\/person\/3eca21c0f00c276ebcaa3d634995cb77"},"description":"The end of the year is a great time to review your finances and the perfect opportunity to set yourself up for a financially healthy new year.","breadcrumb":{"@id":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#primaryimage","url":"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png","contentUrl":"https:\/\/canary.kcprod.info/blog\/wp-content\/uploads\/2020\/03\/Screen-Shot-2020-03-09-at-2.27.27-PM.png","width":2158,"height":1068},{"@type":"BreadcrumbList","@id":"https:\/\/canary.kcprod.info/blog\/4-ways-to-set-yourself-up-for-a-financially-healthy-new-year\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/canary.kcprod.info/blog\/"},{"@type":"ListItem","position":2,"name":"4 Ways To Set Yourself Up for a Financially Healthy New Year"}]},{"@type":"WebSite","@id":"https:\/\/canary.kcprod.info/blog\/#website","url":"https:\/\/canary.kcprod.info/blog\/","name":"Wealthfront Blog","description":"Personal Finance & Investing Insights","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/canary.kcprod.info/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/canary.kcprod.info/blog\/#\/schema\/person\/3eca21c0f00c276ebcaa3d634995cb77","name":"The Wealthfront Team","description":"The Wealthfront Team believes everyone deserves access to sophisticated financial advice. The team includes Certified Financial Planners (CFPs), Chartered Financial Analysts (CFAs), a Certified Public Accountant (CPA), and individuals with Series 7 and Series 66 registrations from FINRA. Collectively, the Wealthfront Team has decades of experience helping people build secure and rewarding financial lives.","url":"https:\/\/canary.kcprod.info/blog\/author\/teamwealthfront\/"}]}},"_links":{"self":[{"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/posts\/12368","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/comments?post=12368"}],"version-history":[{"count":2,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/posts\/12368\/revisions"}],"predecessor-version":[{"id":17997,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/posts\/12368\/revisions\/17997"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/media\/12697"}],"wp:attachment":[{"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/media?parent=12368"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/categories?post=12368"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/tags?post=12368"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/canary.kcprod.info/blog\/wp-json\/wp\/v2\/coauthors?post=12368"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}