Here's a Radical Plan for a Richer 2016

It's a big ask. In the year-end crush, take time to sit down and focus on your finances. But a fat balance in a savings or investing account beats one on a credit card. And the clock is ticking on a number of tax deductions. So let friends and family know: Instead of buying them presents they'll only wind up regifting, you will now be me-gifting, redirecting those funds into your Roth IRA. Or, if that's too radical, just do this. Check your mix A volatile year in the markets may have mucked up your mix. Look over any portfolio and 401(k) plan investments and, if you have one, even your target-date fund, which automatically...