11/02/2026
Why wait for January 1st to start building momentum?
If you hit the Social Security tax cap earlier this fall, you've got extra net income sitting in your payroll right now. For high earners, that can mean $7,000+ in extra cash flow before the year ends.
Instead of letting it slide into passive spending, put it to work starting today:
1️⃣ Invest in your future: Increase your 401(k) or high-yield savings contribution.
2️⃣ Enjoy today: Book a quick weekend getaway or do something generous for someone else.
My favorite approach? Do both.
Don’t deprive yourself, but don’t blow it all either. Balance is the real key to long-term wealth.
How are you maximizing your end-of-year cash flow?
We help 401k millionaires retire well the first time. Think you're ready, don't be surprised like me with this club. Have a plan so you are truly ready. If you aren't currently talking about this with an advisor; it's either on you or you have just a money manager:
Roth conversions
social security
tax mitigation
long term care
travel spending
RMD
QCD
Book time right on my calendar. http://spr.ly/6042BHpKyq