Dollars & Sense: Lock it in — Jill Schlesinger’s end

As 2025 winds down, a viral TikTok trend known as “The Great Lock-In” is pushing people to make the most of the year’s final stretch.

Instead of lofty resolutions made in January, the idea of the “lick-in” is to buckle down now, tightening focus, trimming distractions, and tackling the goals that still feel within reach.

To help viewers with their money moves, we spoke with CBS News Business Analyst Jill Schlesinger , who broke down the smartest financial steps to take before Dec. 31.

Here’s a transcript of Jill’s complete interview:

WKMG-TV:

Jill, what are some of the concrete financial goals to consider for a lock-in?

Jill Schlesinger:

I’m going to give you my favorite single goal that is the basis for all financial planning and that is: track your spending.

No matter how muc