Now is the time to sort through your to-do list and prioritize getting your health and finances in order for 2011.
If you're making $100,000, that's about $2,000 a year after taxes. Doesn't sound like much of a haul? Funnel it straight into a tax-advantaged account like a Roth IRA every year and your money will grow tax-deferred, giving you an additional $139,522 in 30 years (assuming a conservative 5% annual return).
"The money might seem insubstantial at the time, but it's going to work hard in the long run," says Reston, Va., financial planner Frank Boucher.
NEXT: Go for a checkup