Quick question: When should you start planning for your financial future? Answer: Right now.

Whether you’re a new entrant to the workforce or a seasoned professional, take the necessary steps to carve a path to creating lasting wealth. It requires making a life-long commitment to financial education, setting and, in some cases, readjusting goals, and taking a disciplined approach to maximizing assets. That’s why we have developed this map to discard short-sighted, paycheck-to-paycheck practices and instead take deliberate, practical actions to build viable financial options and accumulate wealth in the New Year. Produced by the editors of BLACK ENTERPRISE, our guide offers expertise to help you engage in year-round tax planning, build an investment portfolio for a lifetime, develop additional income streams—and so much more. So, take that first step by joining us on your wealth journey.