Viewpoints about Financial basics
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Five questions to help couples with financial planning
Working side by side to pursue financial goals can bring partners closer. These five questions can help determine if you’re on the same financial page and how to take a more unified approach.
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Active vs. passive investing—what's the difference?
When researching how to invest your money, you’ll often come across the debate between active and passive investing strategies. What are the differences? And which one’s right for you? We’ll provide insight on these questions and more as we add to the discussion.
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How do you budget with an inconsistent income?
If you’re a gig worker, entrepreneur, or salesperson, or you work in a trade, you probably know how hard it can be to make a budget with your income changing from week to week. But the right budgeting can help with achieving your goals. Here are some tips to keep your finances in order when your income varies.
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What is inflation?
Here’s a little lesson on what inflation is and what you can do to try to lessen its impact on your wallet.
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Who—or what—is a beneficiary?
Your life insurance policy and retirement plan have asked you to name a beneficiary—but what does that really mean? What happens if you don’t? Do you need beneficiaries for anything else? Although it’s critical to name beneficiaries, it’s pretty easy to do. We’ll explain the what, why, and how of beneficiaries to help you protect your loved ones and your assets.
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How do interest rates affect retirement savings?
You’ve heard that the Fed is raising interest rates. But what does it mean to you? Rising interest rates can affect your wallet today and in retirement. Learn why interest rates matter and what you can do to help minimize their impact on your finances.
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What taxes do you pay on investments in your retirement accounts?
How you choose to save for retirement determines whether your money will be taxed now or later. Learn what taxes you may pay on investments in your 401(k), IRA, and personal savings.
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Blueprint for paying down your debt
If managing your debt feels overwhelming at times, you’re not alone—87% of people with major debt say managing their finances is a cause of stress. But there are steps you can take to improve your situation before turning to a formal debt relief program for help.
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Four ratios to help keep your personal finances on track
When you’re managing your personal finances, you may come across ratios you don’t understand. But some of them can make it easier to get your finances in order, and, knowing how to use these ratios can help you achieve your financial goals.
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What are asset classes?
Learn about the different investments and how they can help you reach your savings goal.
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