No question: Q4 is the carpe diem quarter. You've got nine months of the year behind you, the blank slate of 2015 around the corner -- and a small window of time to tackle financial chores before the holidays hit. Bonus: Now that it's almost open enrollment season, you can consider maxing out (or adjusting) your employee benefits.
Yep, there's a lot to do, and you may not nail every item on your To Do list (who does?). But this primer will make sure you don't miss anything crucial, so that you're in great shape when the New Year comes dancing in.
Obviously, it's better if you've been maxing out your 401(k) contributions throughout the year because you stand to gain quite a bit more. But it's not too late to contribute what you can for 2014. Even bumping up your savings rate by 1 percent can add up in years to come. Also note, the 401(k) limit for contributions for 2015 was bumped up by $500 to $18,000.