We’ve all been through some big changes over the past year.

It sounds a bit dry. Daunting, even. Like something that involves a lot of number crunching and specialized knowledge.

A new year always brings thoughts of the future.

When you think about the future, what do you envision? A comfortable retirement? Leaving a legacy for your loved ones?

piggy banks on stacks of coins

Imagine yourself in 20, 30 or 40 years, looking back on the decisions you made today. Which ones will you regret?

Want a bigger tax refund? Do this

The best thing about tax season is the anticipation of receiving a refund — the bigger the better.

What does retirement mean to you?

Go to school. Get a job. Work your way up the ladder. Contribute to a 401(k). Retire at 65. Enjoy life.