Retirement and HSA

• Max or raise 401(k) deferral if cash allows
• HSA contribution room left: $________ (if eligible)
• IRA deadline may extend to tax day — note it anyway
• Catch-up eligible (50+)? Check current-year limits

Charitable and bunching

• Qualified gifts with receipts only
• Donor-advised fund if you bunch donations
• Non-cash donations: photograph + value notes
• Do not donate what creates a cash crunch

Estimates and side income

• YTD 1099 gross: $________ · Set aside so far: $________
• Q4 estimate due mid-January — calendar it
• Buy needed business supplies only if truly used this year
• Mileage log complete? Y / N

Close the books

• Download December statements
• Update beneficiaries if life changed
• W-4 check for next year if refund/bill was huge
• Print /downloads/money-calendar for next year