lechatnoir/Getty If you want to be better with money in 2020, there are a few things you can do that will have a big impact. For example, start tracking your spending to find out where you can save more; put your money in a high-yield savings account to help it grow; and eliminate any high-interest debt. To lay a foundation for building long-term wealth, save a portion of your income in a retirement account and invest in the stock market. Read more personal finance coverage. The vast majority of Americans are undersaved for retirement, saddled with debt, and stressed about money. The good news?