Key Points The start of a new year is a good time to set financial goals. If you're getting a raise, you may want to automate larger retirement plan contributions from the start. You won't miss the extra money if you never get used to spending it. The $23,760 Social Security bonus most retirees completely overlook › The start of a new year is a great time to set financial goals and figure out what you want to accomplish over the next 365 days. And you may have some lofty goals in store for 2026. ...