Saving Center

Meet your financial goals with a clear, actionable strategy

Creating a financial plan of action is the first step toward reaching your short-, mid- 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.

Ready to take the next step?

Whether you’re planning for something small, middle of the road or really grand, we have the tools to help you take steps to reach your goals. The key is to be clear about your target, automate your savings and adjust as your life evolves.

Start with one of these resources today and watch your goals get closer.

Short-term goals

Short-term goals are all about things you want to accomplish within the next couple of years. These might include things like taking a trip, paying off credit cards or building an emergency fund. Here are a few ways you can make that happen:

Set a clear target

Before you start saving, figure out how much money you’ll need and when you’ll need it.

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 hand¹ to cover a financial emergency requiring $1,000 or more.

Time vs. savings

Waiting to begin your savings plan can have a huge impact on your results.

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Take action

Set a target amount and break it down into monthly contributions. For example, if you want $2,400 for a vacation in a year, save $200 a month.

What will it take to help reach your savings goals?

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Short-term goals may feel more immediate, but with the right strategy, they’re totally within reach! With small, steady contributions, you might make those goals happen sooner than you think.

Mid-term goals

Mid-term goals include things like buying a car, funding your child’s education or saving for a down payment on a home. With a slightly longer timeline than short-term goals, you might need to adjust your savings plan along the way.

Identify key actions

Break down goals into manageable tasks and set milestones.

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.

How to plan financially for starting a family

The prospect of growing your family may fill your heart with butterflies, excitement, nervousness—or, most likely, all of the above. Here’s how you can prepare your finances, so that you have more energy to focus on parenting when the time comes.

Save for education – the sooner the better

When it comes to saving for your children’s education, the earlier you start, the better. Use this calculator to help develop or fine-tune your education savings plan.

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Take action

Break it down to determine how much you need to save each month. For example, $5,000 in 18 months equals about $278 per month.

See how small additions can add up over time

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With a little planning and strategy, mid-term goals are well within reach. By taking consistent, intentional steps, you’ll be able to meet these milestones while also positioning yourself for future success.

Long-term goals

Long-term goals often align with your bigger aspirations in life, like securing your financial future by saving for retirement or paying off a mortgage. It’s all about setting clear goals, planning and being patient.

Stay motivated and focused

Saving can feel slow, but every little step gets you closer to your goal.

Retirement calculators

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

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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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Retirement Pathfinder®

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

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Take action

Knowing how much you’ll need can help you figure out how much to save and for how long. For example, if you need around $360,000, you may have to save $1,000 a month for the next 30 years.

Start planning for retirement income

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Long-term goals require careful planning, consistency and adaptability. With the right strategies in place, you can make steady progress toward achieving them over time.

More saving resources

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.

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.

Managing debt to your advantage

A simple guide to making the most of your borrowing.

Tackle your student debt

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

Should I dip into my retirement savings?

Many people who have had their income adjusted may be panicking and looking for other sources of cash to pay the bills.

Making retirement dreams a golden reality

Whether your idea of golden years perfection is training for an Ironman, launching a business or simply spending more time with family and friends, retirement offers a unique opportunity to replace the nine-to-five with something vivifying, meaningful, and new.

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Fit for the future

Life can be full of changes, challenges and opportunities. For every situation, there are ways to cope. Here are a few things to consider when life comes your way.

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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.