{"id":598,"date":"2021-10-26T11:22:00","date_gmt":"2021-10-26T16:22:00","guid":{"rendered":"https:\/\/sunrisefrontier.com\/home\/?p=598"},"modified":"2022-07-18T12:37:40","modified_gmt":"2022-07-18T17:37:40","slug":"10-personal-finance-pointers-for-young-adults","status":"publish","type":"post","link":"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults\/","title":{"rendered":"10 Personal Finance Pointers For Young Adults"},"content":{"rendered":"<div class=\"seriesmeta\">Part 3 of 5 in the series <a href=\"https:\/\/sunrisefrontier.com\/home\/series\/financial-planning-2021\/\" class=\"series-51\" title=\"Financial Planning\">Financial Planning<\/a><\/div>\n<ul><li>Become Financially Literate <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#become-financially-literate\">\u279e<\/a><\/li><li>Eliminate Debts <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#eliminate-debts\">\u279e<\/a><\/li><li>Create a Budget <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#create-a-budget\">\u279e<\/a><\/li><li>Find a Healthy Balance <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#find-a-healthy-balance\">\u279e<\/a><\/li><li>Earn More <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#earn-more\">\u279e<\/a><\/li><li>Understand the Magic of Compounding Interest <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#understand-the-magic-of-compounding-interest\">\u279e<\/a><\/li><li>Make Intelligent Financial Decisions <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#make-intelligent-financial-decisions\">\u279e<\/a><\/li><li>Max Out Your Retirement Accounts <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#max-out-your-retirement-accounts\">\u279e<\/a><\/li><li>Invest, Invest, Invest <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#invest-invest-invest\">\u279e<\/a><\/li><li>Marry Wisely <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#marry-wisely\">\u279e<\/a><\/li><li>In Conclusion <a href=\"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults#in-conclusion\">\u279e<\/a><\/li><\/ul>\n\n\n\n<p class=\"has-text-align-right has-cyan-bluish-gray-color has-text-color has-small-font-size\"><em>(Photo by <a href=\"https:\/\/unsplash.com\/@tezos?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Tezos\/Unsplash<\/a>)<\/em><\/p>\n\n\n\n<!--more-->\n\n\n\n<blockquote class=\"wp-block-quote\"><p>\u201cYou must gain control over your money or the lack of it will forever control you.&#8221;<\/p><cite>Dave Ramsey<\/cite><\/blockquote>\n\n\n\n<p>You\u2019re never too young and it\u2019s never too early to plan your finances. Even teenagers can start building a good credit score by getting a credit card and using it wisely.<\/p>\n\n\n\n<p>Parents who add their children as authorized users on their cards and pay their bills in full and on time will be building an excellent credit score for their child in future.<\/p>\n\n\n\n<p>But you can only do this IF you know what to do.<\/p>\n\n\n\n<p>Most people don\u2019t know much about financial planning and never proactively study the subject. They\u2019re doing themselves a disservice without even realizing it.<\/p>\n\n\n\n<p>That\u2019s exactly why young adults need to be financially savvy and know the basics of personal finance. Here we&#8217;ll explain 10 pointers to help guide you. Adhere to them and you\u2019ll be financially ahead of most people.<\/p>\n\n\n\n<h2 id=\"become-financially-literate\">Become Financially Literate<\/h2>\n\n\n\n<p>In order to understand money and how it works, you MUST study it seriously like a student. Unfortunately, this subject is usually not covered in school.<\/p>\n\n\n\n<p>You\u2019ve probably never been taught about 401(k) plans, reducing taxes, budgeting, etc. Instead, your mind is more likely clogged up with random irrelevant facts you&#8217;ve overheard here and there that will never be of any substantial use to you.<\/p>\n\n\n\n<p>So, when you set out into the real world, you\u2019ll naturally be clueless about money unless you studied finance in college or took a related course.<\/p>\n\n\n\n<p>The best way to remedy this problem is to study this subject on your own. Borrow a book or two from the library and aspire to understand what budgeting, investing, and other concepts are all about.<\/p>\n\n\n\n<p>There\u2019s no denying the fact that finance is a dry topic and you\u2019ll need to go through it slowly \u2013 but there\u2019s no rush. Take your time, but be consistent in your learning.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Read more books on finance and improve your financial literacy.<\/p>\n\n\n\n<h2 id=\"eliminate-debts\">Eliminate Debts<\/h2>\n\n\n\n<p>There\u2019s an old proverb that states: <em>\u201cBetter to go to bed hungry than to wake up in debt.\u201d<\/em><\/p>\n\n\n\n<p>This is 100% true. Debt will ruin your financial future. Millions of Americans are up to their eyeballs in debt \u2013 credit card debt, student loan debt, car payments, mortgage payments, etc.<\/p>\n\n\n\n<p>It never seems to end.<\/p>\n\n\n\n<p>Debt (especially revolving credit) must be anathema to you. You must hate it with a passion and eliminate it.<\/p>\n\n\n\n<p>Avoid making purchases on your credit card if you\u2019ll not be able to pay the bill in full.<\/p>\n\n\n\n<p>You\u2019re better off saving the money first and then buying it with your credit card (to build your credit score).<\/p>\n\n\n\n<p>Then when the bill comes, you can pay it on time with the cash you\u2019ve saved up.<\/p>\n\n\n\n<p>Going into debt to buy a house or start a new business is fine. This type of debt is not bad. The latter comes with some risk, but that\u2019s par for the course.<\/p>\n\n\n\n<p>Debt that\u2019s incurred to pay for entertainment (hitting the clubs, alcohol, vacations), or to buy branded products to show off is NOT the type of debt you want to incur.<\/p>\n\n\n\n<p>You must understand the difference. Avoid bad debt.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Eliminate debt and avoid owing anything to credit card issuers. This tip alone will save you a lot of financial stress.<\/p>\n\n\n\n<h2 id=\"create-a-budget\">Create a Budget<\/h2>\n\n\n\n<p>Many people dislike creating a budget or even having a routine for their day. They feel like such \u2018structure\u2019 restricts them. They want to feel free and uncontrolled.<\/p>\n\n\n\n<p>However, what they fail to realize is that routine and structure actually give you more freedom. After all, you\u2019re the one creating a budget for yourself.<\/p>\n\n\n\n<p>For example, if you have a budget and you follow it, you\u2019ll be debt-free. But if you fritter away your money willy-nilly and end up owing the banks, will you have freedom?<\/p>\n\n\n\n<p>Of course not! You\u2019ll be in financial servitude to them. You\u2019ll find yourself working to pay off the high interest rates on your outstanding balances. You\u2019ll barely have money for yourself.<\/p>\n\n\n\n<p>There\u2019s no freedom here! Only stress.<\/p>\n\n\n\n<p>Following a sensible budget may sound boring, but the benefits are priceless &#8211; more money saved, peace of mind, and better control over your spending habits.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Create a budget for yourself and follow it closely.<\/p>\n\n\n\n<h2 id=\"find-a-healthy-balance\">Find a Healthy Balance<\/h2>\n\n\n\n<p>There\u2019s no denying the fact that &#8220;all work and no play makes Jack a dull boy.&#8221;<\/p>\n\n\n\n<p>Having a budget is not about being overly restrictive. It\u2019s about making sure you don\u2019t slide down the slippery slope of debt into financial ruin.<\/p>\n\n\n\n<p>That said, as a young adult, you\u2019ll want to have fun too. That\u2019s perfectly fine. You must find the balance here between spending and saving.<\/p>\n\n\n\n<p>Save your money first and spend what you have. The key to making it all work is MODERATION.<\/p>\n\n\n\n<p>Instead of hitting the clubs every weekend, just go once or twice a month. You\u2019ll still have fun without going into debt.<\/p>\n\n\n\n<p>If you wish to go on a vacation, take a trip to somewhere affordable where you will have fun instead of racking up a huge bill on your credit cards just because a trip to Europe sounds cooler.<\/p>\n\n\n\n<p>You can still have fun while being on a budget\u2026 and if you feel like you can\u2019t, that only means one thing \u2013 you need a higher income.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Find the balance between making responsible financial decisions and having fun.<\/p>\n\n\n\n<h2 id=\"earn-more\">Earn More<\/h2>\n\n\n\n<p>The best way to save more, spend more and invest more will be to EARN MORE!<\/p>\n\n\n\n<p>As simple as it sounds, so many people miss this fact. The more you earn, the more options you\u2019ll have. In fact, your earning capacity will make the single biggest difference to your financial situation.<\/p>\n\n\n\n<p>Many people who earn a lot still go broke because they manage their money poorly. But if they manage it well, they\u2019ll do a lot better than someone who\u2019s earning less.<\/p>\n\n\n\n<p>Since you\u2019re young, your goal should be to earn as much as you can. Even if you\u2019re currently in a dead-end job, you can still learn valuable skills that will be rewarded well in the marketplace.<\/p>\n\n\n\n<p>Too often, we\u2019re led to believe that a college education will lean to better paying jobs \u2013 but this is only true if your degree is valued in the marketplace. If it\u2019s not, you\u2019ll be stuck at a low-paying job but be saddled with a mountain of student debt.<\/p>\n\n\n\n<p>If you\u2019re in this position, you\u2019ll want to assess your situation and options. Ask yourself what you can do to earn more money.<\/p>\n\n\n\n<p>Instead of working longer and harder, see if you can learn skills or trades that will earn you more money in the same amount of time expended at work.<\/p>\n\n\n\n<p>The internet is replete with opportunities for you to make a side income which can turn into a solid full-time income. Capitalize on these opportunities to skyrocket your income.<\/p>\n\n\n\n<p>When you\u2019re earning more, you\u2019ll be able to afford the finer things in life and save more too.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Find ways to increase your income.<\/p>\n\n\n\n<h2 id=\"understand-the-magic-of-compounding-interest\">Understand the Magic of Compounding Interest<\/h2>\n\n\n\n<p>You may have heard this ad nauseam, but it\u2019s true. Since you are young, you have the most powerful ally on your side to grow your money \u2013 you have TIME.<\/p>\n\n\n\n<p>Never underestimate just how powerful time is when it comes to increasing your wealth.<\/p>\n\n\n\n<p>Albert Einstein once said, <em>\u201cCompound interest is the eighth natural wonder of the world and the most powerful thing I have ever encountered.\u201d<\/em><\/p>\n\n\n\n<p>It\u2019s far better to save small when you\u2019re young than larger amounts when you\u2019re older. Aim to save about 6-12 months\u2019 worth of income in a savings account. Once you have this sum, place it in a time deposit at the bank so that it earns a higher interest rate.<\/p>\n\n\n\n<p>Let this sum keep getting renewed and let the interest compound. You\u2019ll be amazed at how much money you have by the time you\u2019re 50 or 60 years old. You can even top up the amount you have as your income increases.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Leverage the power of compound interest and start saving early. It\u2019s the best way to grow your money over time.<\/p>\n\n\n\n<h2 id=\"make-intelligent-financial-decisions\">Make Intelligent Financial Decisions<\/h2>\n\n\n\n<p>No matter how wise or astute you think you are, it\u2019s inevitable to make mistakes. However, by thinking carefully before spending your money, you\u2019ll limit your mistakes considerably.<\/p>\n\n\n\n<p>Once you start working, you may find yourself renting a place to stay. Now, you could rent indefinitely and move from place to place once your lease is up \u2013 OR you could look at your finances and see if you should buy a home.<\/p>\n\n\n\n<p>With a bit of research, you\u2019ll know whether a home is in an emerging neighborhood. If a house costs $250,000, you\u2019ll be able to get an FHA loan with a 3.5% down payment. That means you\u2019ll need to have $8,750 saved up.<\/p>\n\n\n\n<p>Is this an easy amount to save?<\/p>\n\n\n\n<p>You bet it is\u2026 if you have a plan. If you saved $365 a month, you\u2019d have saved up enough for the down payment in 24 months. During this time, you\u2019ll be renting \u2013 but after that you\u2019ll have your own home and every mortgage payment you make will go towards owning an asset that appreciates over time.<\/p>\n\n\n\n<p>Unlike rent payments which only gives you shelter for 30 days, house payments are for an asset you own.<\/p>\n\n\n\n<p>This is an intelligent financial decision. So is buying a pre-owned car with lower mileage so that you avoid the deep depreciation that the first owners have to shoulder.<\/p>\n\n\n\n<p>It has been shown that a car loses 20% of its value within the first year of ownership and tapers off to 10% a year after that. By buying pre-owned, you\u2019ll be saving quite a bit of money. This too is an intelligent financial decision.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Do your research and find ways to reduce your expenses while building your net worth.<\/p>\n\n\n\n<h2 id=\"max-out-your-retirement-accounts\">Max Out Your Retirement Accounts<\/h2>\n\n\n\n<p>There are several options such as 401(k), IRAs, and so on that will allow you to save your money. The 401(k) is an employer-sponsored savings account where your employer will contribute a certain percentage that matches your contribution.<\/p>\n\n\n\n<p>You\u2019ll definitely want to contribute here or else you\u2019ll be missing out on the \u2018free money\u2019 your employer would give you. While you can&#8217;t withdraw from your 401(k) until you\u2019re 59 and a half years old, you\u2019ll be saving for retirement here.<\/p>\n\n\n\n<p>The contributions will be tax-deferred, So your taxable income will drop too. That\u2019s a win-win. When you\u2019re older, if you\u2019re in a lower tax bracket, you may end up paying lower taxes upon withdrawal.<\/p>\n\n\n\n<p>You\u2019ll only know how to do all of this by studying this topic in greater detail. Alternatively, you could speak to a financial advisor and get them to draw up a plan for you to follow. This one-time investment in their services will reap rewards many times over.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Save up for retirement.<\/p>\n\n\n\n<h2 id=\"invest-invest-invest\">Invest, Invest, Invest<\/h2>\n\n\n\n<p>Investing is not just reserved for big players like Warren Buffet or big-talking Wall Street shysters. Anyone can invest, if they have the funds for it.<\/p>\n\n\n\n<p>What\u2019s important to know here is that you should not go in blindly and invest haphazardly.<\/p>\n\n\n\n<p>Once you\u2019ve eliminated debt and saved up an emergency fund, whatever extra you have can be invested in stocks, funds, bonds, etc.<\/p>\n\n\n\n<p>Do note that you have no business investing until you settle off your credit card debt, personal loans, and so on. The interest rates on these balances will far exceed the gains you make on investing and cancel them out. Better to get rid of debt first.<\/p>\n\n\n\n<p>When investing, you\u2019ll want to assess your risk tolerance. Since you\u2019re young, you can afford to have a high risk tolerance. Any losses can always be recouped over time. That said, it\u2019s best to invest in companies that show promise, and then hold on to the stocks for as long as you can.<\/p>\n\n\n\n<p>Fidelity Investments, Inc. once did a performance review to see who were its best investors. To their surprise, their best investors were either dead or people who had forgotten they had an account. So, they left their money invested in the stocks which appreciated over time. This is undeniable proof that long-term investing will yield the best results.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Study investing and do your research first \u2013 then invest your money and let it grow.<\/p>\n\n\n\n<h2 id=\"marry-wisely\">Marry Wisely<\/h2>\n\n\n\n<p>The partner you choose will impact your finances in ways you never thought possible. If your future partner is laden with debt, that debt will soon become yours to bear too.<\/p>\n\n\n\n<p>If the person you marry has poor spending habits, the household expenses will be in disarray and you\u2019ll constantly be in debt. Some partners may want a lavish lifestyle with little regard as to whether they can afford it or not.<\/p>\n\n\n\n<p>A marriage that ends in divorce can also have a significant financial impact if alimony, child support payments, etc., become an issue. So choose your partner wisely and make sure they\u2019re level-headed when it comes to money and responsible spending.<\/p>\n\n\n\n<p><strong>Your takeaway:<\/strong> Make sure you marry someone whose financial philosophy is in alignment with yours.<\/p>\n\n\n\n<h2 id=\"in-conclusion\">In Conclusion\u2026<\/h2>\n\n\n\n<p>These are just 10 tips of many out there, but these are some of the most important ones.<\/p>\n\n\n\n<p>Remember them and apply them.<\/p>\n\n\n\n<p>The best way to manage your money and grow it will be to pay attention to the numbers. Good money management doesn\u2019t happen by accident.<\/p>\n\n\n\n<p>Don\u2019t be obsessed, but be aware of what\u2019s going on in your finances. Then do what you can to improve your financial situation in life.<\/p>\n\n\n\n<p>The good news is that time is on your side. The decisions you make today will decide your financial future tomorrow. Be wise.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"has-text-align-center has-text-color\" style=\"color:#6a5acd\">Amazon Recommendations<\/h4>\n\n\n\n<div id=\"amzn-assoc-ad-54c2a3c9-c0ce-4924-931a-606f07498fba\"><\/div><script async=\"\" src=\"\/\/z-na.amazon-adsystem.com\/widgets\/onejs?MarketPlace=US&amp;adInstanceId=54c2a3c9-c0ce-4924-931a-606f07498fba\"><\/script>\n\n\n\n<br>\n<div class=\"aligncenter\">\n     <script type=\"text\/javascript\">\n       \tamzn_assoc_ad_type = \"banner\";\n\tamzn_assoc_marketplace = \"amazon\";\n\tamzn_assoc_region = \"US\";\n\tamzn_assoc_placement = \"assoc_banner_placement_default\";\n\tamzn_assoc_campaigns = \"outlet\";\n\tamzn_assoc_banner_type = \"category\";\n\tamzn_assoc_p = \"13\";\n\tamzn_assoc_isresponsive = \"false\";\n\tamzn_assoc_banner_id = \"1KA700EB7TH3DJSRA6R2\";\n\tamzn_assoc_width = \"468\";\n\tamzn_assoc_height = \"60\";\n\tamzn_assoc_tracking_id = \"srfrontier-20\";\n\tamzn_assoc_linkid = \"5a3e368c654e37fd473b690d2ceaf032\";\n     <\/script>\n     <script src=\"\/\/z-na.amazon-adsystem.com\/widgets\/q?ServiceVersion=20070822&amp;Operation=GetScript&amp;ID=OneJS&amp;WS=1\"><\/script>\n    <\/div>\n<br>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"seriesmeta\">Part 3 of 5 in the series <a href=\"https:\/\/sunrisefrontier.com\/home\/series\/financial-planning-2021\/\" class=\"series-51\" title=\"Financial Planning\">Financial Planning<\/a><\/div><p>Become Financially Literate \u279e Eliminate Debts \u279e Create a Budget \u279e Find a Healthy Balance \u279e Earn More \u279e Understand the Magic of Compounding Interest \u279e Make Intelligent Financial Decisions \u279e Max Out Your Retirement Accounts \u279e Invest, Invest, Invest \u279e Marry Wisely \u279e In Conclusion \u279e (Photo by Tezos\/Unsplash)<\/p>\n","protected":false},"author":1,"featured_media":744,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","spay_email":""},"categories":[12,10,4,13],"tags":[],"series":[51],"author_meta":{"display_name":"Sunrise Frontier","author_link":"https:\/\/sunrisefrontier.com\/home\/author\/sunrise-frontier\/"},"featured_img":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/10\/10PersonalFinancePointersForYoungAdults.jpg?fit=300%2C200&ssl=1","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/home-and-community\/\" class=\"advgb-post-tax-term\">Home &amp; Community<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/morale-and-wellbeing\/\" class=\"advgb-post-tax-term\">Morale &amp; Well-Being<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/personal-development\/\" class=\"advgb-post-tax-term\">Personal Development<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/special-features\/\" class=\"advgb-post-tax-term\">Special Features<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Home &amp; Community<\/span>","<span class=\"advgb-post-tax-term\">Morale &amp; Well-Being<\/span>","<span class=\"advgb-post-tax-term\">Personal Development<\/span>","<span class=\"advgb-post-tax-term\">Special Features<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 5 years ago","modified":"Updated 4 years ago"},"absolute_dates":{"created":"Posted on October 26, 2021","modified":"Updated on July 18, 2022"},"absolute_dates_time":{"created":"Posted on October 26, 2021 11:22 am","modified":"Updated on July 18, 2022 12:37 pm"},"featured_img_caption":"","series_order":"3","jetpack_featured_media_url":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/10\/10PersonalFinancePointersForYoungAdults.jpg?fit=1400%2C933&ssl=1","jetpack-related-posts":[{"id":525,"url":"https:\/\/sunrisefrontier.com\/home\/getting-along-with-yourself\/","url_meta":{"origin":598,"position":0},"title":"Getting Along with Yourself","date":"August 18, 2021","format":false,"excerpt":"There are thousands of self-help books, websites, and professional articles about how we can build better, stronger relationships with other people. After all, it is important to cultivate healthy relationships with your children, your partner, your co-workers, your friends, and everyone else important in your life. However, are you taking\u2026","rel":"","context":"In &quot;Morale &amp; Well-Being&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/08\/IMatterNotecard.jpg?fit=1200%2C1071&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":595,"url":"https:\/\/sunrisefrontier.com\/home\/15-crucial-financial-planning-tips-for-couples\/","url_meta":{"origin":598,"position":1},"title":"15 Crucial Financial Planning Tips For Couples","date":"November 9, 2021","format":false,"excerpt":"Discuss Money Before Marriage \u279eSee Where You Stand Financially \u279eCreate a Budget \u279eSet Boundaries \u279eHave Separate Bank Accounts \u279eEliminate Debt \u279eAvoid Debt \u279eSave Up an Emergency Fund \u279eOne Person Pays the Bills! \u279eDecide on the Contribution Ratio \u279eSet Financial Goals \u279eSingle Income or Double Income? \u279eTrim the Expenses \u279eDiscuss Retirement\u2026","rel":"","context":"In &quot;Home &amp; Community&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/11\/15CrucialFinancialPlanningTipsForCouples.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":604,"url":"https:\/\/sunrisefrontier.com\/home\/budgeting-101-what-you-must-know\/","url_meta":{"origin":598,"position":2},"title":"Budgeting 101: What You Must Know","date":"October 12, 2021","format":false,"excerpt":"Why You Need a Budget \u279eYour Budget Must Have a Goal \u279eEliminate Debt FIRST! 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