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Links mentioned in the video:
Compare offers now (US): https://secure.moneymatchup.com/compare
Compare offers now (UK): https://www.comparethemarket.com/
📙 Manage Your Money Like the Top 1% Toolkit: https://nischa.me/plan
In this video, I walk you through my end-of-year money reset – a simple system to review your finances, plug the leaks, and start the new year in control.
My products:
📶 Intentional Spending Tracker (free): https://nischa.me/ist
📊 How & Where to Invest LIVE Workshop (free): https://nischa.me/investyt
📙 Financial Wellbeing Toolkit: https://nischa.me/plan
Other tools:
UK ISA and savings accounts: https://nischa.me/plum
Free fractional shares worth up to £100 (enter code ‘NISCHA’): https://nischa.me/trading212
Timestamps:
00:35 Step 1
04:10 Step 2
05:53 Step 3
07:49 Step 4
10:46 Step 5
14:47 Step 6
DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
*T&C’s apply
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@nischa
Links mentioned in the video (free comparison website):
Compare offers (US): https://secure.moneymatchup.com/compare
Compare offers (UK): https://www.comparethemarket.com/
đź“™ Manage Your Money Like the Top 1% Toolkit: https://nischa.me/plan
@pasteltessa8794
Lowkey brilliant is a great app. I have trouble keeping a habit, but I am already on a 58 day streak. It's really fun and easy. Sometimes it feels slightly too easy, some are too hard for me, but there are so many topics to learn. I did the data course, started one about AI but turned too much to IT and now I'm on the logic course
@Philadelphiamalayale
The video outlines a 6-step year-end money reset to enter 2026 financially stronger. First, do a “money wrapped” review of the whole year: total income, expenses, and true surplus after treating savings and investments as spending, so you see unused potential and spending patterns. Second, run a yearly audit by cancelling unused subscriptions and checking big recurring bills (like insurance and phone) using comparison sites to avoid silent cost creep. Third, rebuild your financial foundation by topping up a 3–6 month emergency fund and adjusting the cash vs investments balance so you are not overexposed to either inflation or forced selling in crises. Fourth, capture “free money” before the year ends by maximizing employer retirement match, using annual tax allowances, considering tax-loss harvesting, and making sure charitable donations are claimed correctly. Fifth, set specific, number-based 12‑month financial goals (like “save 6,000 by December” and back into a monthly target) and give every dollar a job using an income-and-spending plan you can update during the year. Sixth, build a simple “money operating system” that automates transfers to savings, investments, retirement, sinking funds, and bill payments, reduces friction and temptations (separate accounts, unsubscribe from retail emails), and uses a basic dashboard so your finances run in the background while you focus on life.
Please don't waste my time!!!!
@deded1057
Please explain the "tax free allowance " in the USA. Are you talking about a "standard deduction " ??
@JA-ev7om
Before January 2026??? It's December 28th!!!
@zaireenismael1742
YEA I AMIGHT START. OPENING BUT THE WHOLE LOAD O F BACK DOOR. MEAL NAMES FROM FAZUAIH AND MME RREBUS. SHOLD START SELLING AND MORE.. PERHAPS. GIVE A THOGHT OF NME FAUZAIH DEBT IS OAND CLERING OR REIDNER OF YEARS OF GOOD- EVEN ATARTS.. AND IF THINGS GO WELL AND HAVE ONE. AT MARINA BAY..
@corendaferguson6421
I wish more people knew how much control they have over their financial future. That’s why I share free resources through Breadwinner Financials — so nobody feels stuck.
@dannb4523
Wish I bought Gold that earlier, I panic sold most of my stock positions early this year and have been sitting on Cash, do I do a split btw Gold and Tech stocks or are they overvalued?
@330Sabri
These are all stellar ideas! Things I’ve learned over 40 years summed up in one quick video! I wish I saw this at 21!
@byamixes
My only subscription is actually Youtube so im doing good
@michaeln3044
Now don’t be a normal advice giver, look into ur crystal ball and tell me which corrupt things Trump will do that will manipulate certain assets I can take advantage of. Because that’s what we all really need since he is fixing to mess with all of US financial system next year. How can I take advantage for example of him installing a moron in fed who will kill all interest down to zero? What’s my best move? This is the vid we need.
@JonathanSmith-m2k
It comes down spending less than what you earn and investing the difference in a diversified portfolio!
@stickmanfinance247
This is nice!
@mediocrehousebeats
great
@mediocrehousebeats
great
@antonycarter5973
I need to fix the leaks as well, as I've got bad habits with money
@JustinSmith-y2c
I made over 450k this past year …i absolutely need to find some assets or business next year to mitigate my taxes. I'm dedicating next year to doing just that. I can't be paying all these taxes
@Insightfill
OK, I'm already into 2026 but it's not too late – I'm doing this.
@ShannonWilliams-b3e
Just crossed 200k, it's almost 6x growth from my starting point of 36k at the beginning of the year. My long-term goals are lining up nicely
@RonaldInvestsUS
Thanks, Nischa. Kicking off my first Money Wrapped 2025 today. Ready to be more intentional with money in 2026 🥂
@TheEcomonicEdge
thank you for sharing. do you teach a course?
@GiftJordan-c9v
We paid off our last credit card on New Year's Eve so we're into 2026 credit card free! This year we plan to pay off our truck, which is our last debt (other than our mortgage) and then we are never going back!!
@DebbieSue-d6u
After spending two years paying off all my debt, I'm now in a position to put away ÂŁ1666 a month. So the plan is ÂŁ666 in an emergency fund and invest the remaining ÂŁ1k. All thanks to yours and Damien's channel.