On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal why January is the most strategic money month of the year. From harvesting capital gains and revisiting direct indexing strategies to maximizing donor-advised funds and managing idle cash, they break down the smartest financial moves you can make right now. Plus, they discuss why a bigger tax refund isn't necessarily a good thing, how poor timing can erode your investment returns, and how to prepare emotionally and financially for long-term care decisions. Later, they answer listener questions about tax alpha, inherited IRAs, and consolidating retirement accounts.