Family Budgeting

For most families, the heart of the American Dream is financial security. More than 4 in 5 families define the American Dream as financial security for themselves and their family. Learn how you can budget and plan ahead.

Family Budgeting Overview

Family budgeting and emergency funds

Whatever the emergency, having a financial cushion can help you weather the storm without endangering your long-term financial health.

Why it matters

Just 1 in 4 American families are prepared for a financial emergency with more than 6 months of expenses saved.

The bottom line

Prepare for the unexpected by protecting your family with appropriate amounts of life insurance and disability income insurance.

 


Working with a Budget

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Budgeting Tips

Some people use a budget as a general guideline, while others track everything down to a penny. There's no one right way to manage your money. What's the most important is you're comfortable with your strategy.

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Blog

How to be on a budget: The essentials

A budget - a running account of what you are making, spending, and keeping over time - is essential to good personal finance and wealth building. But many people don't have one.

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Insurance

Consider Term Life Insurance

In the event of your passing, your beneficiaries will receive a lump-sum payment to help cover things like college tuition, income gaps, or paying off the mortgage.

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How new parents can start budgeting for their kids

Babies are a cause for celebration. But a new child also requires some careful financial planning by the parents.

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Financial planning tips for any vacation

Let’s break down America’s favorite ways to unwind and see what a little financial planning can do to keep costs low and vacation time rolling.

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Money and children: Teaching by age groups

 If you haven’t shown your children how to handle their money, you’ve left them vulnerable to a lifetime of financial insecurity. And when it comes to money and finances, exposure is everything.

 


Saving for the Future

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Four simple ways to become a super saver

We all know we need to set money aside for our retirement, emergencies, and short-term financial goals, but there are those among us who commit to a higher savings threshold — who take their savings to the next level, socking away more than the recommended percentage of their income to build a financial arsenal.

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Saving in your 40s and 50s: It’s never too late to get started

Will I have enough money to retire? It’s a common question and one that has increased in magnitude lately — especially for people in their 40s and 50s.

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Insurance

Consider Whole Life Insurance

Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime.

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LGBTQ workers and retirement: Problems and solutions

Working Americans and families who identify as LGBTQ may be less prepared for retirement and more worried about their finances than the general population, recent data suggests. However, they are also in a position to overcome the challenges and take control of their financial future through early education and action.

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Caring for a Loved One with Special Needs Entails SpecialCare

When caring for a loved on with special needs, you want to provide them with the best quality of life possible.

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Planning for diminished mental capacity as you age

A stroke, a car accident, dementia, Alzheimer's disease, or another serious illness or injury could make it difficult or impossible to make decisions about your health and finances at any age. The odds increase as you age, however

 

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7 things financial planning does for you

A sound retirement plan will involve at least three perspectives: financial, organizational, and emotional planning.


Protecting Your Family

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How can I protect their future?

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Video

5 situations where life insurance makes sense

Simply put, insurance itself is protection against some type of risk. You can buy insurance for many different things: your car, your house, healthcare, and even your pet.

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Blog

Why you should get disability insurance and life insurance

It’s not something anyone likes to think about, but life-altering illnesses and injuries happen every day. But there are ways to help protect against such circumstances.

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Insurance

Consider Disability Income Insurance

If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions.

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Blog

Don’t have an emergency fund? Get one

The emergency fund is an important pillar of any financial plan, the safety net that enables you to pay the bills and keep your financial goals on track in the event of a job loss, costly home repair, or sudden illness. But very few have enough savings set aside to stay afloat in the event of an unexpected financial need.

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Top 5 mistakes when purchasing life insurance

With all the coverage options available, and costly errors common, it might just help to explore some of the biggest mistakes people make when purchasing policies of their own – from waiting too long to buy, to getting the wrong type of coverage, to being underinsured.

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The case for combining term and perm

Life insurance is rarely “a set it and forget it” solution. At every life stage, financial professionals suggest reviewing your policy to determine whether more or less coverage may be appropriate.

 


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