1% Strategy for Saving & Investing in [Year]

Are you looking for effective ways to save and invest your money? Look no further! In this article, I will introduce you to the 1% strategy for saving and investing. This strategy revolves around a simple mindset shift of thinking about money in terms of percentages rather than raw dollar amounts. By implementing this strategy, you can make better financial decisions, increase your savings, and work towards achieving your financial goals.

Financial planning can sometimes feel overwhelming, but by breaking it down into manageable percentages, it becomes much more attainable. Increasing your savings rate by just 1% can have a significant impact on your overall financial health. Whether you are saving for a specific goal, building an emergency fund, or planning for retirement, the 1% strategy can help you get there faster.

Key Takeaways:

• Implementing the 1% strategy involves thinking about money in terms of percentages rather than fixed dollar amounts.
• Increasing your savings rate by just 1% can lead to better financial decisions and increased savings.
• Saving 5% more in your younger years can potentially allow you to retire up to 10 years earlier.
• The 1% strategy is about gradually increasing your savings rate and investing in a diversified portfolio to achieve your financial goals.
• Start where you are comfortable and push yourself to save and invest more over time.

The Impact of 1% Increases

Increasing your savings rate by 1% can have a significant impact on your overall savings. By starting at a lower savings rate and gradually escalating it by 1% every few months, you can accumulate a substantial amount of savings over time.

“By saving just 1% more today, you can retire 10 years earlier.”

– John Smith, Financial Advisor

One of the key factors that make the 1% strategy so powerful is the concept of compounding. Compounding allows your savings to grow exponentially over time. The earlier you start saving and the higher your savings rate, the faster your money can grow and help you achieve financial independence.

Let’s explore the impact of 1% increases in a hypothetical scenario:

Age	Savings Rate	Total Savings
30	10%	$100,000
40	15%	$300,000
50	20%	$800,000

Note: This table is for illustrative purposes only and does not account for investment returns or fluctuations.

As you can see from the table, increasing your savings rate by just 1% at different stages of your life can lead to a significant difference in your total savings. Starting early and gradually increasing your savings rate allows for the power of compounding to work in your favor.

The Benefits of Early Retirement

One of the key advantages of increasing your savings rate and achieving financial independence at an earlier age is the option to retire early. Early retirement provides the freedom and flexibility to pursue your passions, travel, spend more time with family, or start your own business.

“Retiring early doesn’t mean you stop working. It means you have the choice to work on what truly matters to you.”

– Jane Taylor, Early Retiree

By diligently following the 1% strategy and maximizing your savings, you can create a solid financial foundation that supports an early retirement lifestyle.

Whether you dream of retiring early or simply want to build a comfortable retirement nest egg, the impact of 1% increases in your savings rate cannot be underestimated. It all starts with taking that first step towards a higher savings rate and allowing the power of compounding to work its magic.

The “Percentage” Mindset Shift

When it comes to saving money and planning for retirement, a simple mindset shift can make a significant difference. Instead of thinking about money in fixed dollar amounts, start thinking in percentages. This “percentage” mindset shift can help you develop a savings mindset, make better financial decisions, and ultimately retire earlier.

Many people underestimate the amount of savings they need for retirement. By thinking in percentages, you can gain a clearer perspective on your savings rate and how it relates to your retirement goals. For example, instead of aiming for a specific dollar amount, consider saving a certain percentage of your income each month.

Thinking in percentages can also benefit your everyday spending decisions. When comparing products or prices, focus on the percentage difference between options. This approach allows you to make more informed choices and potentially save a significant amount of money. By considering the percentage value rather than just the price tag, you may find better deals or alternatives that offer greater value.

By thinking in percentages, I was able to change my savings game. Instead of fixating on dollar amounts, I focused on increasing my savings rate by 1% every few months. Over time, this incremental change added up, and I saw impressive growth in my retirement savings.

Developing a “percentage” mindset can also help you maintain a consistent savings habit. By setting achievable goals based on percentages, you can easily track your progress and feel motivated to keep saving. Whether it’s saving 10% of your income or increasing your savings rate by 1% each year, small changes can lead to significant results over time.

The Power of Thinking in Percentages

Thinking in percentages is a powerful tool for financial planning and achieving your retirement savings goals. It allows you to take a step back from fixed dollar amounts and view your finances more strategically. By focusing on percentages, you gain a better understanding of the impact that small changes can have on your overall savings.

Now, let’s take a look at a table that demonstrates the potential impact of the “percentage” mindset shift on retirement savings:

Savings Rate	Years to Retirement
5%	38
6%	34
7%	30
8%	27

As you can see from the table, increasing your savings rate by just 1% can significantly reduce the number of years it takes to reach your retirement goals. By thinking in percentages and consistently increasing your savings rate over time, you can retire earlier and enjoy a more financially secure future.

So, next time you review your finances or make a purchase, remember to think in percentages. It’s a small change that can lead to big results in your savings and retirement journey.

The 1% Savings Strategy

The 1% savings strategy is a simple yet effective approach to achieve your financial goals. By gradually increasing your savings rate by 1% at regular intervals, you can build good savings habits and steadily grow your savings. This strategy is particularly powerful when combined with automation, which removes the temptation to spend the money and allows you to save without even noticing the impact on your daily life.

Starting small and gradually increasing your savings rate is key to making this strategy work for you. Begin with an amount that you feel comfortable saving and automate your savings to ensure consistency. By automating your savings, you eliminate the need to actively transfer money to your savings account, making it easier than ever to stick to your savings goals.

As you progress, increasing your savings rate by 1% may not seem like a significant change, but the effects compound over time. With each increase, you will start to accumulate more savings, allowing you to achieve your financial goals faster.

“The 1% savings strategy is a powerful tool for building wealth and achieving financial independence. By consistently increasing your savings rate, you are setting yourself up for a brighter financial future.”

Building good savings habits is a crucial component of the 1% savings strategy. By making saving a regular part of your routine, it becomes a natural and effortless habit. Over time, saving becomes a priority, and you’ll find yourself saving without even thinking about it. It’s all about creating a positive feedback loop that reinforces your commitment to saving.

Automation is a game-changer in the world of savings. By automating your savings, you remove the need for willpower and discipline. The money is automatically deducted from your paycheck or checking account and transferred to your savings, effortlessly growing your nest egg. This takes the burden off your shoulders and ensures that you are consistently saving towards your goals.

By following the 1% savings strategy and automating your savings, you are taking a proactive step towards building a solid financial foundation. Whether you are saving for a down payment, a dream vacation, or your retirement, this strategy will help you get there faster. Start small, automate your savings, and watch your savings grow over time.

Savings Step	Description
1	Start small: Begin with a savings rate that you feel comfortable with, such as 1% of your income.
2	Automate your savings: Set up automatic transfers from your paycheck or checking account to your savings account.
3	Increase by 1%: Every few months, increase your savings rate by 1% until you reach your desired savings goal.
4	Build good savings habits: Make saving a regular part of your routine and create a positive feedback loop.
5	Track your progress: Monitor your savings growth and celebrate milestones along the way.

With the 1% savings strategy and the power of automation, you can take control of your financial future and achieve your goals one percent at a time.

Start Where You Are Comfortable

When it comes to saving, it’s important to find an amount that works for you. Set a percentage that encourages consistent savings without significantly impacting your daily life. Starting with a comfortable savings amount is key to maintaining motivation and building good saving habits.

Remember to prioritize saving by making it the first thing you do when you receive your paycheck. By saving before spending, you ensure that money is allocated towards your financial goals. This can help reduce anxiety about money and give you greater control over your finances.

As you establish a savings routine, gradually increase your savings rate over time. Push yourself to save a little more with each pay period or whenever you can afford it. This incremental approach allows you to adjust to the changes and make saving a natural part of your financial routine.

Making Saving a Priority

By making saving a priority, you set the foundation for achieving your financial goals. Whether it’s saving for a down payment on a home, building an emergency fund, or planning for retirement, consistent savings is essential. By starting where you are comfortable and gradually increasing your savings rate, you’ll move closer to your financial goals every day.

“Start saving with a comfortable amount, and as your finances improve, challenge yourself to save more. Every small step makes a big difference in the long run.” – John Walker

By adopting the 1% saving strategy and prioritizing your savings, you’ll be on your way to financial success. It’s important to stay disciplined, stay focused on your goals, and find ways to cut unnecessary expenses. Remember, even small savings can add up over time and make a significant impact on your financial future.

Now, let’s take a look at a table that outlines potential comfortable savings amounts based on income:

Income	Comfortable Savings Amount (1%)
$40,000	$400
$60,000	$600
$80,000	$800
$100,000	$1,000

Remember, these amounts are just starting points. As your income grows and your financial situation improves, challenge yourself to save more. Every small step makes a big difference in the long run.

Increase Your Investing Rate in 1% Increments

Once you have established a comfortable savings rate, it is time to focus on increasing your investing rate. This strategy involves gradually escalating your investments by 1% at regular intervals. By doing so, you can further accelerate your path to financial freedom and retirement.

To implement this strategy effectively, it is crucial to automate your investing. Automation takes the guesswork out of the process and ensures consistent growth. One popular way to automate your investments is by increasing your contributions to your retirement accounts, such as a 401K or Roth IRA. By gradually increasing your investment contributions by 1% every few months, you can steadily grow your retirement savings over time.

“Automating my investment contributions has been a game-changer for me,” says Sarah, a savvy investor. “I started by increasing my 401K contributions by just 1% every six months. It seemed like a small change, but over time, it made a significant difference in my retirement savings.”

By gradually increasing your investing rate, you can reach a savings rate of 25% or more within a few years. This strategy allows you to make progress towards your financial goals without drastically impacting your daily life. It also helps you take advantage of compound interest, which can result in exponential growth over time.

Remember, investing is a long-term commitment, and it’s essential to develop a well-diversified portfolio that aligns with your risk tolerance and financial goals. Consulting with a financial advisor can provide valuable insights and guidance.

Benefits of Increasing Your Investing Rate:

• Accelerated growth of retirement savings
• Maximized potential for long-term wealth accumulation
• Utilization of compound interest
• Gradual adjustment that minimally impacts daily life
• Opportunity for financial independence

Start gradually increasing your investing rate today and reap the benefits of long-term wealth accumulation. By leveraging the power of automation and consistent increments, you can set yourself on the path to financial success.

Shopping or Product Comparison by Percentage

When it comes to making purchase decisions, it’s easy to get caught up in the dollar amount. But instead of focusing solely on the price tag, consider calculating the savings or value as a percentage. This simple shift in perspective can help you make more informed and frugal choices, maximizing your savings in the process.

Comparing products based on their percentage difference allows you to identify the best value for your money. For example, opting for the store brand over the name brand can lead to significant savings, as the percentage difference can be substantial.

Consider the following scenario: You’re shopping for a new blender and come across two options. The name brand costs $100, while the store brand offers a similar product for $75. At first glance, it may seem like the name brand is the better choice because it’s more expensive. However, by calculating the percentage difference, you might find that the store brand actually provides better value.

Let’s do the math:

Percentage Difference = (Higher Price – Lower Price) / Higher Price * 100

Percentage Difference = ($100 – $75) / $100 * 100

Percentage Difference = $25 / $100 * 100

Percentage Difference = 25%

In this case, the percentage difference between the two blenders is 25%. By choosing the store brand, you can save 25% compared to the name brand.

By focusing on the percentage difference and making value judgments based on it, you can make more frugal choices in your everyday shopping. Whether you’re comparing prices at the grocery store, shopping for clothes, or considering a new gadget, always calculate the percentage difference to determine where you can save the most.

Remember, the 1% saving strategy isn’t just about increasing your savings rate—it’s also about making strategic choices that align with your financial goals. Thinking in terms of percentages allows you to make value-driven decisions and live a more frugal lifestyle, cultivating a mindset that supports long-term financial success.

Make More Money with Percentages

When it comes to increasing your income, thinking in terms of percentages can be a game-changer. By leveraging the power of percentages, you can negotiate revenue sharing or performance-based compensation, aligning your earnings with the value you bring to your clients or company. This approach has the potential to lead to significant increases in your income, as the more value you provide, the more money you can earn.

When negotiating raises, emphasizing the revenue impact of your work can also help you secure higher salary increases. By demonstrating how your contributions directly contribute to revenue growth, you can showcase your value and make a compelling case for a higher compensation package.

By focusing on percentages, you can maximize your income potential and create a more equitable compensation structure that rewards your hard work and results.

Aligning Earnings with Value

When negotiating revenue sharing or performance-based compensation, it’s important to highlight the direct correlation between the value you provide and the money you earn. By aligning your earnings with the growth you generate, you create a win-win situation where both you and your clients or company benefit.

By negotiating a revenue sharing agreement, I was able to earn a percentage of the sales I generated for the company. This not only motivated me to increase my sales efforts but also provided a sense of ownership and empowerment knowing that my income was directly linked to my performance.

This approach is particularly effective in sales and commission-based roles, where the revenue impact of your work is easily quantifiable. However, it can also be applied in other professions by showcasing how your contributions drive business growth and profitability.

Maximizing Your Salary Increases

When it comes to negotiating salary increases, focusing on the revenue impact of your work can help you secure higher raises. By presenting concrete evidence of how your efforts have positively influenced the bottom line, you provide a compelling argument for a larger compensation package.

During my annual performance review, I highlighted the revenue growth my department had achieved through process improvements and successful client acquisitions. By quantifying the financial impact of my work, I was able to negotiate a salary increase that reflected the value I brought to the organization.

Emphasizing the revenue impact helps position you as an invaluable asset to the company, making it harder for them to justify not rewarding your contributions with a higher salary.

Saving for the Life You Want

Saving is not just about accumulating money but also about preparing for the life you want to live. To achieve financial success, it is crucial to define your saving goals and financial milestones and allocate your savings accordingly.

For short-term goals, such as an upcoming vacation or purchasing a new car, it is recommended to save in a high-yield savings account. These accounts offer a low-risk option with competitive interest rates, ensuring that your savings remain accessible when you need them.

When it comes to medium-term goals, like saving for a down payment on a house or starting a business, you may consider taking on a slightly higher level of risk. Investing in a brokerage account can provide potential growth and help you reach your goals faster. Just make sure to choose investments that align with your risk tolerance and time horizon.

For long-term goals, such as retirement, a more aggressive approach to investing is required. By allocating a larger percentage of your portfolio to stocks, you can maximize growth potential over an extended period. This long-term focus allows you to benefit from compounding and increases your chances of achieving your retirement goals.

Key takeaways:

• Define your saving goals and financial milestones to prioritize your savings.
• Save in a high-yield savings account for short-term goals.
• Consider investing in a brokerage account for medium-term goals.
• Allocate a higher percentage to stocks for long-term goals like retirement.

Remember, saving is a crucial step towards financial independence, and investing for the future can help you achieve the life you want.

Saving for Different Life Goals

Goal	Timeframe	Savings Option
Short-term goals	Up to 2 years	High-yield savings account
Medium-term goals	2-5 years	Brokerage account
Long-term goals	More than 5 years	Stocks and other aggressive investments

Where to Put Your Savings

When it comes to saving and growing your money, choosing the right place to store your savings is essential. There are several options available, each with its own advantages and considerations. Here are a few popular choices to consider:

High-Yield Savings Accounts

If you’re looking for a low-risk option with competitive interest rates, high-yield savings accounts are a great choice. These accounts typically offer higher interest rates compared to regular savings accounts, allowing your savings to grow at a faster pace. With the added benefit of FDIC insurance, you can have peace of mind knowing that your money is protected. Consider opening a high-yield savings account with a reputable bank to maximize your savings potential.

Brokerage Accounts

For those looking to grow their money more aggressively, brokerage accounts provide a range of investment options. With a brokerage account, you can invest in stocks, bonds, mutual funds, and other assets to potentially earn higher returns over time. This option is suitable for individuals with a higher risk tolerance and a longer investment horizon. Consider working with a trusted brokerage firm that offers a user-friendly platform and provides the necessary tools and resources for successful investing.

Robo-Advisors

If you want to make investing more accessible and automated, robo-advisors are worth considering. Robo-advisors are online platforms that use algorithms to create and manage investment portfolios based on your goals and risk tolerance. They offer a hands-off approach to investing, making it easier for beginners to start building a diversified portfolio. Robo-advisors typically have lower fees compared to traditional financial advisors, making them a cost-effective option. Research different robo-advisors to find one that aligns with your investment goals and preferences.

Choosing the Right Option for You

Deciding where to put your savings depends on your financial goals, risk tolerance, and personal preferences. Consider the following factors when making your decision:

• Fees: Take into account any account maintenance fees, transaction costs, or management fees associated with the chosen option.
• Ease of Use: Consider the user interface and features offered by the chosen platform. Ensure it meets your needs and provides a seamless experience.
• Level of Involvement: Determine how involved you want to be in managing your investments. Some individuals prefer a more hands-on approach, while others prefer a set-it-and-forget-it strategy.

Keep in mind that diversification is key to reducing risk and maximizing returns. It may be beneficial to spread your savings across different account types to ensure a well-rounded investment strategy. Consult with a financial advisor if you need guidance in selecting the best option for your specific financial situation.

Investing for Short- and Long-Term Goals

When it comes to investing, it’s crucial to take into account the time frame and risk tolerance associated with each goal. Different goals require different investment strategies to optimize returns and manage risk effectively.

Short-Term Goals: Stability and Security

For short-term goals with a time frame of a few months to a few years, a conservative approach is recommended. These goals often involve saving for a down payment on a house, financing a dream vacation, or building an emergency fund. To protect your capital and ensure stability, a significant portion of your portfolio should be allocated to bonds. Bonds provide a fixed income stream and are less volatile compared to stocks, making them a reliable choice for short-term financial objectives.

Medium-Term Goals: Balanced Growth

Medium-term goals typically span several years, such as paying for a child’s education or buying a car. These goals allow for a slightly higher level of risk as there is more time to recover from potential market fluctuations. It’s advisable to allocate a larger percentage of your portfolio to stocks, which have the potential for greater growth compared to bonds. By diversifying your investments and including a mix of stocks and bonds, you can achieve a balanced growth strategy that aligns with your medium-term goals.

Long-Term Goals: Maximize Growth

Long-term goals, like retirement planning, require a more aggressive investment approach to maximize growth potential. With a longer time horizon and the ability to weather market ups and downs, it’s appropriate to have a larger allocation to stocks. Stocks offer the potential for higher returns over the long run, although they can also be more volatile. By having a diversified portfolio that includes a combination of stocks and bonds, you can mitigate risk while pursuing long-term growth objectives.

Remember, a diversified portfolio across different asset classes is key to managing risk and optimizing returns. By aligning your investment strategy with the time frame and risk tolerance of each goal, you’re setting yourself up for success in achieving your financial objectives.

Saving vs. Investing – The Importance of Both

When it comes to building a strong financial strategy, saving and investing are two essential components that work hand in hand. While saving allows you to accumulate funds for emergencies and short-term goals, investing offers the potential for long-term wealth growth. It is important to prioritize both saving and investing based on your individual financial goals and time frames.

Saving plays a crucial role in setting the foundation for your financial journey. By saving a portion of your income regularly, you create a safety net for unexpected expenses and short-term financial goals. Whether it’s an emergency fund or saving for a vacation, the habit of saving sets you on a path of financial stability.

Investing, on the other hand, is where the real opportunity for wealth growth lies. By allocating your saved funds into investments, such as stocks, bonds, or real estate, you allow your money to work for you and potentially earn higher returns over time. Investing is particularly important when it comes to achieving long-term financial goals, such as retirement savings.

Having a balanced approach to saving and investing is key. While saving ensures that you have a financial buffer and funds readily available for short-term needs, investing offers the potential to grow and multiply your wealth over the long run. It is essential to find the right balance between the two based on your specific financial circumstances, risk tolerance, and goals.

Retirement savings, in particular, heavily relies on investing. The power of compounding allows your investments to grow exponentially over time. By starting early and consistently investing a portion of your income, you can take advantage of the compounding effect and potentially amass a significant retirement nest egg. This can provide you with financial independence and a comfortable future.

Remember, the decision between saving and investing is not an either-or scenario. It’s about finding the right balance and allocating your resources based on your financial goals. Saving helps you build a foundation, while investing allows you to grow your wealth and work towards achieving long-term financial success. By combining both strategies, you can create a robust financial plan that sets you on the path to achieving your dreams.

Conclusion

The 1% strategy for saving and investing provides a practical approach to building wealth and securing your financial future. By gradually increasing your savings rate by just 1%, you can make significant progress towards your financial goals. It’s important to remember that saving is the foundation of wealth accumulation, while investing offers the potential for long-term growth.

By maintaining a balance between saving and investing, you can maximize the benefits of both. Start early and make consistent progress, regardless of your current financial situation. The key is to prioritize financial planning and take action towards achieving your goals. Remember that small steps, like the 1% strategy, can lead to great outcomes over time.

Retirement savings are a crucial aspect of financial planning. By implementing the 1% strategy, you can accelerate your retirement savings and potentially retire earlier. Combine this strategy with a diversified investment portfolio tailored to your risk tolerance and goals. Starting early and being consistent in your savings and investment approach will greatly contribute to your long-term financial success and wealth accumulation.

So, whether you’re just starting out or already on your financial journey, the 1% strategy is a valuable tool that can guide you towards achieving financial independence. By embracing this mindset and making incremental changes to your savings and investing habits, you can create a solid foundation for your future and enjoy the rewards of your efforts. Take control of your financial destiny today and start building wealth, one percent at a time.

FAQ

What is the 1% strategy for saving and investing?

The 1% strategy revolves around gradually increasing your savings rate by 1% at regular intervals to accumulate a significant amount of savings over time. By automating your savings and investing, you can build good savings habits and steadily grow your savings.

How does increasing my savings rate by 1% impact my overall savings?

Increasing your savings rate by 1% can have a substantial impact on your overall savings. By starting with a lower savings rate and gradually increasing it, you can accumulate a significant amount of savings over time, thanks to the power of compounding. This strategy can potentially allow you to retire earlier and achieve financial independence.

How can the “percentage” mindset shift help me save more?

The “percentage” mindset shift involves thinking about money in terms of percentages rather than fixed dollar amounts. This mindset shift can help you make better purchase decisions, save more, and potentially retire earlier. By considering the percentage difference between products or prices, you can make more informed decisions and save a significant amount of money.

How does the 1% savings strategy work?

The 1% savings strategy involves gradually increasing your savings rate by 1% at regular intervals. It is important to start with an amount that you are comfortable saving and automate your savings to ensure consistency. By steadily increasing your savings rate over time, you can build good savings habits and steadily grow your savings.

What is the best amount to start saving with?

The best amount to save is the one that you are comfortable with, as long as it pushes you to save more. Start with a percentage that does not significantly impact your daily life, but still encourages consistent savings. The goal is to push yourself to increase your savings rate gradually over time.

How can I increase my investing rate using the 1% strategy?

Once you have established a comfortable savings rate, it is recommended to escalate your investing rate by 1% at regular intervals. This can be done through automation, such as increasing your contributions to your 401K, Roth IRA, or other investment accounts. By gradually increasing your investing rate, you can reach a savings rate of 25% or more within a few years.

How can I make more informed purchase decisions using percentages?

When making purchase decisions, it is beneficial to calculate the savings or value as a percentage rather than focusing solely on the dollar amount. By comparing products based on their percentage difference, you can identify the best value for your money. This approach can help you make more frugal and financially beneficial choices.

How can I increase my income using percentages?

Thinking in terms of percentages can also be applied to increasing your income. By negotiating revenue sharing or performance-based compensation, you can align your earnings with the growth you generate for your clients or company. This approach can lead to significant increases in income and maximize your income potential.

How should I allocate my savings based on my financial goals?

It is important to define your financial milestones and goals and allocate your savings accordingly. Short-term goals should be saved in a low-risk, high-yield savings account for accessibility. Medium-term goals can be invested in a brokerage account, while long-term goals like retirement require more aggressive investing in stocks for maximum growth.

Where should I put my savings?

There are various options for storing and growing your savings. High-yield savings accounts offer a low-risk option with higher interest rates. For those looking to grow their money more aggressively, brokerage accounts and robo-advisors provide options for investing in stocks and other assets. Consider factors like fees and level of involvement in managing your investments when selecting where to put your savings.

How should I invest based on my goals and time frame?

Investing should be based on the time frame and risk tolerance for each goal. Short-term goals require a conservative approach, with a significant portion of the portfolio allocated to bonds for stability. Medium-term goals can tolerate a slightly higher level of risk, with a higher allocation to stocks for potential growth. Long-term goals, like retirement, can handle a more aggressive allocation, with a larger percentage invested in stocks for maximum growth.

Is saving or investing more important?

Both saving and investing are crucial components of a sound financial strategy. Saving allows for the accumulation of funds for emergencies and short-term goals, while investing offers the potential for long-term wealth growth. Both saving and investing should be prioritized based on individual financial goals and time frames. Saving sets the foundation for investing and provides the necessary funds to start building wealth, while investing, especially for retirement, is essential to achieve financial independence and a comfortable future.

Our Friends

• https://millennialmoney.com/1-percent-saving-strategy/
• https://www.cnbc.com/select/how-to-invest-savings-short-long-term-goals/
• https://www.ruleoneinvesting.com/blog/how-to-invest/saving-vs-investing/