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Spending within one’s means is the foundation upon which financial wellness is built. Maintaining a budget and a positive cash flow are both necessary precursors to managing debt, saving for the future, investing, and protecting against risk.

4 simple budgeting steps

If you stick to a plan that keeps your spending below the level of your income, you’ll be better off.

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50/20/5 A saving and spending rule of thumb

Our rule of thumb for saving and spending: allocate no more than 50% of take-home pay to essential expenses, 20% for retirement, and 5% to short-term savings.

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Three ways to boost financial wellness

Take steps to improve your financial planning, savings and investing.

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Pay bills on time

Paying bills on time can save future hardships and fees.

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Understand Financial Wellness

Understand the definition and importance of being financial well

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Determine your Financial Wellness

Assess your personal financial wellness with our easy-to-use tool

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Retirement Savings Guidelines

Rules of thumb that make retirement planning simple