Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "
Some friends and family members seem like natural-born savers. If you don’t fall into that category, you can still be successful with your finances. Knowing how to effectively invest, save, and spend will help you make smart financial choices.
Spending less than you earn.
Having a budget puts you in control, so you can enjoy your money, instead of worrying about the bills.
Taking advantage of matching contributions.
If your employer offers matching contributions in your workplace savings plan, don’t say “no thanks.” It’s like getting free money.
Paying off high interest rate credit card debt.
Make paying down high interest debt a priority.
Establishing an emergency fund that will last at least three months.
Freedom is knowing that you can get by without a paycheck if you have to.
Funding an IRA.
Once you've maxed out your workplace savings plan, a Roth or Traditional IRA lets you save with tax-free growth or on a tax-deferred basis.*
Have an old workplace savings plan? Consider consolidating your retirement savings.