Financial Four is Set

Experts Rank Top Financial Priorities

1.Live within your means

2.Protect yourself with adequate insurance

3.Build an emergency savings account

4.Establish life insurance for wage earner(s)

5.Understand short and long-term goals

6.Communicate with family

7.Know amount of debt/have a payoff plan

8.Ensure job security

9.Perform a regular financial check-up

10.Spend less than a third of income on housing

11.Have a will/financial and health-care power of attorney

12.Know your partners’ financial personality

13.Pay yourself first

14.Take advantage of savings programs available at work

15.Calculate what you will need for retirement

16.Understand the time value of money

17.Experience change before it happens

18.Spend wisely

19.Understand financial terminology

20.Save at least 10 percent of what you earn

21.Make tax time financial planning time

22.Understand investing risks vs. returns

23.Budget for anticipated holidays/celebrations

24.Understand income

25.Use credit responsibly

26.Manage service providers

27.Understand and take advantage of workplace benefits

28.Prepare a financial emergency kit

29.Protect financial documents

30.Track spending

31.Keep up on maintenance

32.Pull credit report


  • Paul Golden

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