The end of the year is approaching, and it’s a great time to take steps that can help improve your personal finances. Here are 10 finance steps to consider before the end of 2023:       • If you’re not retired, review your contributions to retirement accounts, such as IRAs.       • If you or your spouse is 72 or older, Required Minimum Distributions (RMD) must be taken before Dec. 31. Otherwise, you could incur an additional 50% penalty tax.       • Make charitable ...