In 2023, many things changed that affected personal finances—from legislation to student loan payments resuming, the Fed raising interest rates and AI disrupting many industries, and who knows what 2024 will bring. Consequently, focus on financial education and research advises Holley Cary, a certified financial planner and vice president at First Horizon Advisors. “Make a concerted effort to stay up to date on the latest financial news and how it may impact you personally,” she says.