SMP What if You Haven’t Saved Enough for Retirement?

When you first begin your career as a young adult, retirement seems far away and not tangible enough to worry about. You start contributing to accounts, but you may not think about it beyond that. Then later, no matter how much you’ve saved and how ...

SMP Where Does All Your Money Go?

If you can pay your bills every month, you may not feel like you need to create a budget. Many adults associate budgeting with deprivation and restrictions. However, budgeting is simply a way to understand where your money goes. When you create a ...

Overcoming Financial Anxiety

Financial anxiety is real and it can be paralyzing. You may feel physically sick when you think about the debt you have, the savings you don’t, or what would happen to your family if you lost your job. When you have anxiety, it’s easy to try and ...

Planning for Your Retirement Income Needs

For many people, the dream of a retirement rich with financial comforts has become overshadowed by financial stress and anxiety. People are living longer, making it harder to ensure you don’t run out of money during your retirement. Having the ...

How to Become a Saver When You’re a Spender

Some people are savers, while others are natural spenders. If you aren’t a saver, you know that you probably should be, but changing your habits isn’t always easy. Most of our tendencies are formed early on. Maybe you were a child who loved seeing ...

What it Really Means if You Have Savings and Debt

Having a robust savings account feels good. Especially in these uncertain times it can be reassuring to know that you have money available if something, such as a job loss or a medical emergency, threatens your financial future. However, savings is ...

Best Budgeting Tools for Smarter Money Management

Nearly all financial moves begin with the assumption that you understand where your money is going every month, and that means you need to have a system for money management. Budgeting isn’t always easy. Many don’t have a budget at all, and others ...

Which Payment Type Can Help You Stick to a Budget?

Sticking to a budget isn’t always easy, and plenty of adults look for things that can help. Different apps, payment types, and cards may help you sort through the different methods and find the budgeting approach that you can stick to.
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