What not to do with your investments and taxes is just as important as what to do. Barry Ritholtz | Dec 21, 2020 (Bloomberg Opinion) -- At this point in the typical year, this column would be filled with all the usual personal financial advice: max out the contributions to your 401(k) and 529 savings plans, add to your health savings account, make year-end charitable donations and make sure to rebalance your investment portfolio. But 2020 was not a typical year, and the usual financial advice won’t do. The reason is obvious: The pandemic changed life as we knew it, from market to politics and everything in between. So as the year draws to a close, there are several personal finance items to consider due to this uniquely unprecedented year.