The first step I plan to take in the new year is to look at how much I have earned in 12 months and whether that figure has increased from the previous year. Of course, with the coronavirus pandemic, that would already be a victory if your income didn't go down. And the second step is to find out if there are better banking products to replace the ones I use. To find out, I analyze information from specialized financial sites like https://investorjunkie.com/investing/how-to-invest-50000/. There I noticed a lot of useful information for myself.