Boy_Anupong/Getty Images
As the calendar flips to a new year, it’s an ideal time to take stock of your financial profile. For many, the last few years have been tough financially, especially when it comes to debt. U.S. household debt hit a record high of $18.59 trillion in the third quarter of 2025. Individual borrowers are saddled with nearly $105,000 in consumer debt, according to Experian, including…