Market Performance: December 27, 2023.

S&P 500 futures are flat Wednesday as investors eyed the benchmark index's approach to a record high. Futures tied to the broad market index and Nasdaq 100 were both little changed.

Dow Jones Industrial Average futures was also trading near the flatline. The moves follow a winning day on Wall Street to kick off the final trading week of 2023. The stock market was closed on Monday in observance of Christmas Day.

Both the Dow and S&P 500 added 0.4% each. That put the latter within 0.5% of its closing high, which was seen in January 2022. The technology-heavy Nasdaq Composite advanced 0.5%. Meanwhile, the more concentrated Nasdaq 100 rose 0.6%, clinching an all-time high and record closing level at 16,878.46.

I asked a financial planner how to save more than 24% of my income in 2024

At the end of every year, I audit my spending and look for opportunities to change my money habits so I can save more in the new year.

When I started to eyeball my credit card statement from 2023, I realized that my bills reached an all-time high this year. This meant that I didn't hit my savings goal of holding onto 20% of my income and my overall net worth wasn't able to grow very much.

In order to make 2024 different from this year, I met with financial planner Bryan Kuderna and asked him to look at my finances and suggest ways I can realistically save more than 24% of income in the new year.

Here are his four actionable tips.

Things Investors Should Think About for 2024, According to Financial Advisors

As the new year kicks off, Investopedia sat down with three financial advisors to find out what investors should be thinking about in 2024.

1. Emergency Savings Are the First Step

One sentiment that all three financial advisors echoed was that having emergency savings set aside is essential and should be prioritized ahead of other investment and savings goals.

In 2023, inflation affected not only people's spending but also their savings.

2. Align Your Portfolio With Your Timeline

Create a savings and investing plan that works with you and your goals. Consider which upcoming life events could require accessible cash and try to predict when they might occur.

3. Tackle Debt

As inflation impacted consumers' finances during 2023, some investors may have struggled to make a dent in existing debt or could have incurred new debt.

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