Car repairs, Christmas, and insurance premiums may feel like unexpected expenses, but they’re often predictable costs that can be planned for. Associate Financial Advisor Jonah Kearns explains how sinking funds help break larger expenses into manageable monthly savings, making it easier to stay on budget and avoid unnecessary financial stress.

January. The first month of the year. For many, this means new diets and weight loss goals, new habits to form (or break), and ways to...