Even if you're not a Powerball winner, a wealthier 2016 may happen early as last year's bonuses are paid out and tax refunds start flowing.
"It's typically this time of year when bonuses are coming around, that you can do some housekeeping and clean up the balance sheet," said Jenifer Aronson, a chartered financial analyst and managing partner of Mosaic Fi in Lincolnshire, Ill. "It's a nice problem to have."
Bonus expectations vary widely. The average company bonus is $858, a figure that jumps to $1,072 among companies with 500 or more employees, according to a report from Accounting Principals, a financial services recruitment and placement firm.
Wall Street bonuses are the outliers, with a report from the New York State comptroller's office putting the average last year at $172,860.
(Not in the bonus pool? Tax season opens Jan. 19, with a flood of tax refunds not far behind. During the 2014 filing season, nearly three-quarters of federal returns processed resulted in a refund. The average amount: $2,785.)