Dear Ruchi, Do you have any go-to “rules” for money/finances? I wish there was a guideline we could follow to get started. I am an entrepreneur and feel a lot of anxiety around my finances but this year I am determined to get things on the right track. Where should I start? What should I do?

Each year, many of us choose an intention or goal to inspire us. For me, I love to choose a guiding word of the year. In 2025, that word is JOY. This year let’s remember that joy isn’t just a fleeting feeling; it’s a way of living that lights us up from the inside out. It fuels our energy, shapes how we show up in the world, and even impacts our mindset (which we know can link to our finances).

Dear Ruchi, I can’t believe the year is over already! I want to do a final sweep of this year’s finances to make sure I am in check for 2025 and I’m not sure where to start. What are some tips for our end-of-year finances?