5 small steps that can make a big difference in your finances


savings, money, annuity insurance, retirement and people concept - close up of senior woman hand putting coin into piggy bank
By Laura Adams
No matter if you’re starting to manage money for the first time or you have decades of experience, improving your personal finances is an ongoing process. Maybe you’re earning more or less, have a new family situation, or have completely different financial goals than you did last year.
By taking the time to review a few key decisions and tasks, you’ll find easy opportunities to improve your financial life. Yes, it takes a little time. But I promise that the rewards—like having peace of mind, saving more money, and building wealth—far outweigh the effort.

Review how much you’re saving for retirement
Most people aren’t saving nearly enough for retirement. To make sure you can live comfortably after leaving the workforce, invest at least 10 percent to 15 percent of your pre-tax income for your golden years.
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