How Healthy Are Your Finances Heading Into 2026?

Published: December 31, 2025

Last Updated: January 07, 2026

The new year has officially arrived, and with it comes a fresh opportunity to reset not just your routines, but your finances too. Before you dive into your 2026 resolutions, it’s worth pausing for a quick financial checkup. Understanding where you stand right now gives you a clearer path forward and helps ensure the moves you make this year are intentional, realistic, and set up for long-term success. Think of this as your starting line for a healthier financial year ahead...ready, set, GO!

Financial Checkup: How Do You Compare?

Let’s start with some big picture benchmarks. Comparing yourself to national averages isn’t about keeping score. It offers perspective, helping you see what is common, what is possible, and where a few small changes could make a big difference.

Where do you stand against the average American?

Credit score: The average U.S. credit score sits in the low to mid 700s. Knowing your own score is key, since it affects everything from loan approvals to interest rates. (Where Does Your Credit Score Stand Compared to the National Average? | Investopedia)

As a Langley member, you can check your FICO Score for FREE, so you always know where your finances stand.

Savings: The median American household has about $8,000 in savings, while only about 46% of Americans have less than three months of expenses saved. If an unexpected bill hit tomorrow, would your savings be ready? (The Average Savings Account Balance In The U.S. | Bankrate)

Credit card debt: The average household carries about $105,000 in revolving credit card balances, mortgages, and auto loans. Even small balances can add up when interest is involved. (The Average American Has This Much Debt. How Does Yours Compare? | The Motley Fool)

If these numbers feel familiar, you’re not alone. The good news? Awareness is the first step toward improvement!

The “I Know” Checklist

Financial confidence often comes down to what you know. Run through this checklist and see how many boxes you can honestly check...no cheating!

I know what my credit score is
I track my monthly spending
I know how much I have in savings
I understand where my money goes each month
I know what I owe and at what interest rates

If a few of these feel like question marks, that’s okay. The start of a new year is the perfect time to turn “I think” into “I know.”

Your Financial Study Guides for 2026

Just like any good plan, your financial reset needs the right tools. Here are a few that Langley offers to help you stay focused all year long:

Savings growth: High-Yield Savings

A high-yield savings account is ideal for emergency funds and short-term goals. It keeps your money safe, accessible, and growing faster than traditional savings—perfect for building momentum in the new year.

Everyday spending: CashBack+ Pay

Your daily purchases can do more than just drain your account. With the CashBack+ Pay app, you can earn up to 20% cashback on all your favorite brands, making your routine expenses a little more rewarding!

Credit monitoring: FICO Score Tracking

Keeping tabs on your credit score removes the guesswork. Langley offers free FICO scoring, so you can understand what impacts it and track improvements over time—turning credit building into a clear, manageable process.

Head Into 2026 with Confidence!

Financial health isn’t about perfection; it’s about progress. By checking in on where you stand, setting clear goals, and using Langley’s exclusive tools made just for you, you can head into 2026 feeling prepared, informed, and confident.

A new year is a fresh start—kick off this one with your finances in focus!