3 Financial Building Blocks这些financial planning basics will keep you on track for the future.

The end of the year is a good time to take stock of your financial life, if for no other reason than it's a noteworthy date and therefore easy to remember. Pull out your financial statements, check with your planner or accountant and run the numbers. How did the various parts of your portfolio do? Is it time to rebalance? Does your logic still hold? Is there a new wrinkle to consider?

With that in mind, I've distilled things to the three basics below. They're not particularly sexy, but keep them in mind, and your personal finances will be just fine.