Saving Center

Your future is now

Save more today for the life you want tomorrow.

Make your future a priority by taking action to save today

Saving facts

Every step you make to keep more cash, dig out of debt, or save for retirement helps you build a stronger, more stable financial future.

_{Source: 20+ Shocking American savings statistics [2023]; Average personal savings accounts, demographics, and facts, zippia.com, February 16, 2023.}

The average American savings account balance is $4,500

42% have less than $1,000 in savings

49% would not be able to cover a $400 emergency expense today

10% have no savings

What are you saving for?

It’s never too late to put your future on a better financial path. You can accomplish this with small steps – but you need to take action. We can show you how.

Keeping more cash

What will it take to help reach your savings goals?

This financial calculator helps you find out.

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Embrace a budget

See where you can shift spending so you can save more!

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How to build an emergency savings account

Though many of us will face a significant unexpected expense at some point during our lives, more than half of Americans don’t have the cash or savings on hand* to cover a financial emergency requiring $1,000 or more.

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Small money moves that make a large impact

For many of us, setting aside the recommended six months’ worth of expenses in an emergency savings account to protect ourselves and our loved ones can feel daunting.

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How to set financial goals

Setting a goal is an important prerequisite for accomplishing almost anything. And without setting clear financial goals, some people are likely to spend their lives aimlessly earning and spending, rather than building wealth and achieving a more financially secure life.

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Dig out of debt

Managing debt to your advantage

A simple guide to making the most of your borrowing

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Credit card payoff

What will it take to pay off your credit card balance?

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Tackle your student debt

Access a simple experience that can help you determine eligibility and apply for the Public Service Loan Forgiveness Program.

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Should you save for retirement or pay off student loans?

While the right answer may look a bit different for everyone, it is possible to balance retirement savings with debt payoff.

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3 reasons to have a budget

If you’re not following a budget, you’re not managing your money correctly.

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4 simple steps to take control of your budget

While budgeting itself can feel restrictive, knowledge really is key to staying ahead of the game when it comes to your finances.

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Take action for tomorrow

Retirement calculators

Find out what it’ll take to plan and reach your retirement saving goals.

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Retirement Pathfinder®

Use this guide to set goals, adjust strategies and model scenarios to take action for tomorrow.

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The best times to up your retirement contributions

Although it’s true there’s really no bad time to start investing, it can be tricky to figure out how to siphon off funds from other areas of your budget and redirect them to your future needs.

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How big of a threat does inflation pose to your retirement?

We’re seeing higher inflation rates, and this unwelcome surge should prompt retirees to consider the threat it could pose to their financial security.

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How a financial expert can help you reach your money goals

Even if your goal is just saving more money, a seasoned financial services professional can help you get there.

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Save for retirement

Creating a financial plan of action is the first step toward reaching your short-term and long-term goals. If you’re not sure how to get started, here are a few things to consider based on your current age.

Under 35

If you don’t have a retirement savings plan, start one today. Enroll in your workplace retirement plan.
Once you start saving, increase your contributions every year, if possible.
Create a budget to track your spending.
Start early to take advantage of compound interest.

Ages 35 – 50

Determine how much you’ll need in retirement.
Figure out your income sources (pension, retirement savings, Social Security, etc.).
Check your savings regularly to make sure you’re on track.

Ages 50 and up

Ensure you have the right investment mix to meet your goals.
Catch-up contributions allow more tax-deferred savings.
Review your Social Security information.
Create a plan to live on your savings when you stop working.

Take action now. It matters.

What you do today could make a big difference for your tomorrow. Find out where you stand right now and what actions you could take to help improve your financial future.

RO 3337396 (01/2024)

Saving Center

Your future is now

Make your future a priority by taking action to save today

Saving facts

What are you saving for?

Keeping more cash