The January Checklist: 10 Ways to Win 2026 Right Now

2026 is here. Are you playing to play, or playing to win? 🏆

Don’t let January slip by. We’ve curated the top 10 actionable hacks you need to organize your life, boost your productivity, and crush your goals this month.

#7 is a total game-changer.

Get the full checklist here:

1. Stop overpaying $1,200 for insurance

How would you feel if you found out you’re throwing away $1,200 annually just to pad some insurance company’s bottom line?

It’s very possible. But there’s only one way to know for sure.

This new car insurance shopping tool can tell if you’re overpaying for your car insurance with just a few clicks.

This new home insurance comparison tool exposes what home insurers don’t want you to see: identical coverage for hundreds less.

Take 3 minutes right now, click those links and see if you can save serious money: that’s what I did.

But don’t forget the cardinal rule: When you find ways to spend less on major expenses, don’t blow that extra money: Put it toward your mortgage, or invest it.

2. Earn up to $1,370/mo doing simple tasks

Lots of companies let you earn money by filling out surveys, completing tasks, signing up for stuff, or playing games.

But FreeCash is in a league of its own.

Freecash boasts the fastest payouts (we’re talking instant!), with minimum withdrawals as low as $5. Plus, you can cash out with PayPal, crypto, gift cards – the choice is yours. FreeCash users have already earned more than $87,000,000!

So try FreeCash. It’s the fast, fun way to earn real cash. Don’t waste another minute – Freecash is waiting!

3. Don’t put all your eggs in one basket

One of the best ways to protect your savings is having money in different types of investments: ideally, ones that can go up when others are going down. For example, stocks tend to do poorly when inflation and interest rates are rising and there’s political turmoil brewing.

One investment that thrives in this scenario: gold.

Keep in mind, though, that not everyone in the gold business is on the up-and-up. Be careful who you deal with.

Anthem Gold Group is committed to helping investors protect their wealth and retirement with physical precious metals. They offer gold, silver, platinum and palladium coins and bars delivered directly to your home. Plus, enjoy up to $25,000 in complimentary gold and silver, along with waived IRA storage fees for up to 10 years!

Even Brian Kilmeade from Fox News trusts Anthem Gold to protect your cash and retirement accounts with physical gold and silver. Anthem Gold’s minimum to get started is $10,000.

Gold has been hitting record highs. Why not take a look right now?

4. Stop drowning in credit card debt

Worrying about debt is probably the worst way you can spend your time, and paying interest and late fees is the worst way you can spend your money.

If you’ve got a problem, the sooner you deal with it, the better.

If you have over $10,000 in debt, National Debt Relief is one of the most respected providers of debt relief in the U.S.

There’s no upfront fee and no obligation to get started.

Ready to start a new, happier chapter of your life?

Check them out right now.

5. Don’t get caught with a $4,000 repair bill

The cost of car repairs is skyrocketing. One shop told Consumer Reports that a decade ago, their average repair was $1,600. These days, the average bill is $4,000.

Unexpected financial shocks are a leading cause of stress in retirement. With repair costs rising, one transmission failure could wipe out months of hard-earned savings.

Stop gambling with your financial future. Endurance pays the mechanic directly, so your retirement funds stay where they belong—in your account.

They cover vehicles up to 20 years old. Includes 24/7 roadside assistance and rental benefits.

Protect My Retirement Savings Now.

6. Don’t let high-interest debt crush you

When home values soar, smart homeowners turn to a home equity line of credit (HELOC) to replace high-interest credit card debt with much lower-interest loans.

The savings from simply swapping credit card interest for HELOC interest can add up to hundreds annually.

Those savings could eventually help pay off your house.

HELOCs could be the fastest, easiest and cheapest way to access extra cash, for whatever purpose, from consolidating debt to upgrading an outdated kitchen: HELOC rates are less than half what credit cards charge

In seconds, Money.com's comparison page will show you the best rates in your area, so you know you’re getting the best deal.

Check it out right now.

7. Double your retirement savings

If you’re concerned about retirement finances or managing investment risks, you’re not alone.

Without professional guidance, it may be easier to overlook options or misjudge risks.

If you have $100k+ invested, FinanceAdvisors free service connects you with vetted financial advisors who offer informed guidance tailored to your situation.

In less than 2 minutes, you’ll answer a few questions about your goals and get matched with a vetted advisor.

Get fiduciary advice when you need it most.

8. Tackle your credit card debt by paying 0% interest until 2027

If you have outstanding credit card debt, getting a new 0% intro APR credit card could help ease the pressure while you pay down your balances.

Our credit card experts identified top credit cards that are perfect for anyone looking to pay down debt and not add to it!

Click through to see what all the hype is about.

9. Stop paying full price for retail purchases

Are you over 18? Then you’re eligible to save hundreds of dollars every year simply by joining AARP.

“What?” You say, “I thought AARP was for retired people.”

As it turns out, you don’t have to be 50 or older to join AARP. And members get discounts on hundreds of things, like:

• Up to $200 per person off flights
• Up to 30% off rental cars
• Up to 15% off restaurants
• Up to 20% off hotels

You’ll also save on eyeglasses, prescriptions, meal deliveries and lots more. And that’s not all. AARP offers a Fraud Watch Network, job listings, retirement planning tools, games, and tons of information, programs and resources.

Anyone trying to save money can’t afford not to join AARP, especially since the cost is as low as $15 per year with auto-renewal. You’ll likely recoup the cost in the first week. Click here and check it out.

BONUS:  Leave your family $3M richer

Want to know the secret to sleeping better at night? (Hint: It’s not another meditation app).

If you’re between the ages of 20 and 59, and not living in New York, it’s time to consider a term life insurance policy that doesn’t make your wallet cry.

With Ethos, you can get up to $3 million in coverage for less than your monthly streaming subscriptions.*

Why Ethos? Because nobody likes paperwork or doctor’s appointments.

• Skip the medical exam (in most cases) and apply from your couch**
• Get approved faster than your pizza delivery (90% get instant approval)
• Choose coverage that fits your budget like your favorite jeans
• Free will and estate planning tools valued at $898 included*

Get your personalized quote faster than you can say “financial responsibility.” Phone-friendly, website-friendly, and commitment-phobe-friendly with a 30-day money-back guarantee.

Because protecting your family shouldn’t be harder than assembling IKEA furniture.

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