Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Toby Walters is a financial writer, investor, and lifelong learner.

The trend cycle moves at a breakneck clip, and keeping up can be a royal headache. Which is why, at the start of every new season, we like to wipe the slate clean and start fresh, setting last year’s ...