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Financial Wellness Month

This Financial Wellness Month, take control of your finances with budgeting tips and strategies to help you reach your financial goals!

Friday

1–31

January 2027

Last updated February 7, 2026 · by the Holiday Calendar Team

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YEARLY DATEAll of January

OBSERVED INUnited States

CATEGORYBusiness

SUBCATEGORYFinancial Literacy

INTRO

Introduction

PHOTO

Start the New Year off on the right foot by taking part in Financial Wellness Month beginning January 1! This month was created to help individuals and families understand their current financial situations and make informed decisions about their finances. It's a great time to take stock of your savings, budgeting, investments, retirement planning, credit scores and more. With proper financial education and resources, you can set yourself up for long-term financial health and success. So take advantage of this month as an opportunity to get your finances in order and start the year off with a plan for a better tomorrow!

TIMELINE

Financial Wellness Month Timeline

Launch of FDIC

The Federal Deposit Insurance Corporation (FDIC) was established in response to thousands of bank failures during the Great Depression, marking an important step in protecting consumers' finances.

Introduction of IRAs

Individual Retirement Accounts (IRAs), tax-advantaged retirement savings tools, were introduced through the Employee Retirement Income Security Act.

Introduction of 401(k)s

Benefit consultant Ted Benna first applied an overlooked tax code provision to create the 401(k) plan, beginning the rise of defined-contribution retirement plans.

Money Smart Week Initiated

The Federal Reserve Bank of Chicago initiated Money Smart Week as a public awareness campaign designed to help consumers manage their personal finances better.

Financial Literacy Month

The U.S. Senate officially recognized April as Financial Literacy Month, emphasizing the importance of financial education and healthy financial habits.

First Financial Wellness Month

The first Financial Wellness Month was celebrated, initiating an annual focus on the importance of financial health and wellness.

GET INVOLVED

How to Celebrate Financial Wellness Month

Create a budget

Creating a budget is the first step to financial wellness. Figure out your income and expenses, and make sure all your bills are paid on time and you're setting aside money for savings.

PAY

Pay off debt

Take advantage of Financial Wellness Month and pay off any outstanding debt you may have. This will help free up extra money for future spending and start you on the road to financial freedom.

SET

Set financial goals

Set short and long-term financial goals to help keep you motivated to stay on track with your finances. Make sure to set measurable goals so that you can track your progress.

EDUCATE

Educate yourself

Take some time during Financial Wellness Month to educate yourself on finances by reading books, articles, and blog posts about money management. Knowledge is power!

MEET

Meet with a financial advisor

Take advantage of this month to meet with a financial advisor and discuss your current financial situation. They can provide valuable insight and advice that will help you achieve your financial goals.

WHY THIS DAY MATTERS

Why Financial Wellness Month is Important

It builds better financial literacy

Financial literacy is key when it comes to achieving overall financial wellness. Giving people the tools and knowledge they need to make sound financial decisions is an essential part of Financial Wellness Month, which can set people up for long term success in their finances.

It educates us about money

Financial Wellness Month is the perfect opportunity to take charge of your financial situation. It provides resources and information on budgeting, savings, investing, and understanding credit so that you can work towards a secure financial future.

It encourages responsible spending habits

One of the most important aspects of Financial Wellness Month is its focus on encouraging responsible spending habits. Learning to save and be mindful of your spending can help prevent debt and ensure that you're not overspending or putting yourself in financial hardship.

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Financial Planning Month

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National Credit Education Month

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