Clear, practical guidance to plan, save, invest, and protect your future.
Build a plan for your money that aligns with your goals and prevents overspending.
Allocate income to needs (50%), wants (30%), and savings/debt (20%). Adjust based on your cost of living and goals.
Assign every dollar a role—spending, saving, or investing—so your plan totals exactly your income.
Automate transfers to savings and investments before you pay bills or spend on non‑essentials.
Keep 3–6 months of essentials in a liquid account. Increase to 9–12 months if income is variable or dependents rely on you.
Choose a payoff method—avalanche (highest APR first) or snowball (smallest balance first). Avoid new high‑interest debt.
Pay on time, keep utilization under 30%, and maintain a diverse credit mix. Review reports annually for errors.
Use high‑yield savings for short‑term goals. Ladder CDs for predictable returns. Match timelines to risk tolerance.
Diversify across asset classes. Favor low‑cost index funds for broad exposure. Rebalance annually to maintain alignment.
Prioritize employer match in a 401(k). Consider Roth vs Traditional based on current taxes vs expected future bracket.
Use tax‑advantaged accounts, harvest losses strategically, and avoid short‑term capital gains when possible.
Right‑size life, health, disability, auto, and home coverage to protect assets and income as your finances grow.
Set SMART goals. Track with budgeting apps. Automate savings and monitor investments with secure, reputable tools.
Talk to a licensed specialist to integrate insurance and finance into one clear plan.