你独特的财务遗产是什么? Based on your age, maybe you’ve never even thought about the later years of your money life. Allow us to get you thinking about it, regardless of your life stage. 俗话说得好，越快越好!

是的, 人寿保险, 投资, and an estate plan are crucial components of a long-term financial strategy, 正如你通常会听到和阅读下面的内容. Yet there are many other things you can do today to intentionally create a lasting impact on your money, 你的未来, 还有你爱的人.

1. 你的风格

什么样的财务遗产对你来说是重要的? What do you want from your money over the course of your life? It’s different for everyone and could be many different things even for you.

• 如果你的价值 安慰, you may wish to invest more in your environment; your 首页 life.
• 如果你渴望 冒险, you may wish to travel more and use your money toward Bucket List activities.
• 如果你想要 安全, you may wish to spend conservatively in all areas of your life and maximize savings and insurance planning.
• 如果你的欲望 影响, you may wish to support charitable organizations that are important to you and leave sizeable gifts to family members.
• When you are able to determine what’s most important to you, 你为自己的决策制定了一个指导方针, 前进.

2. 你的习惯

Developing financial discipline in your daily life will help you in the long run. It’s never too early or too late to create a focus on and improve your money-related habits. 从掌握这3种基本行为开始:

存更多的钱. 当你首先支付自己的时候, you enjoy the motivating benefit of compound interest, 是什么加速了你的储蓄增长速度.

预算并保存 for short-term needs such as emergencies, 首页 repairs and vacations. Plan and invest for long-term needs such as education and retirement.

Avoid expensive overdraft fees and high interest rates on personal loans and credit cards - both can drain you of extra cash without you even realizing it.

3. 你的信用

How you handle 债务 determines your credit score and history, and it’s an overall rating you will carry with you throughout your financial life.

来管理你目前拥有或承担的债务, we recommend you maintain a chart of all your commitments including the creditors you owe, 你的最低还款额, 你的整体平衡, 你的利率呢. 然后决定偿还债务的策略. 你会先处理最大的余额吗? Or the one that carries the highest interest rate first, regardless of balance? These are two highly popular ways to pay off 债务 over time in addition to consolidation which combines multiple balances into one loan, often at lower interest rates and with more affordable payments.

Just remember – it does take time, often many years, to become 债务-free – and that’s okay. If you manage it responsibly, your credit rating will reflect that.

4. 你的保险

The main point of insurance is to protect you from financial setbacks. 管理你的汽车风险, 首页, 其他个人财产, 债务, and your life itself are considerations when purchasing various types of insurance. Our best advice about insurance is to take the time to shop around and compare pricing before you buy, 就像你购买其他大宗商品一样, 比如车辆和家具.

5. 你的慈善事业

Sharing your treasure might be something that’s important to you. 如果是这样的话, you will want to work charitable giving into your budget along with saving, 账单, 和债务支付. Over time and if you can afford it, you may want to gradually increase your annual donations. 最终, you can roll your favorite causes into your 投资 and estate plan, 下文第6和第7条提到了另外两个因素.

6. 你的投资

A professional financial advisor has the knowledge and experience to partner with you to design a lifelong plan for your assets. Diversifying your 投资 is key as is patient decision-making. Especially in a volatile market as we are facing today, decisions based on nerves can lead to costly mistakes. Stick to your plan and check in regularly with your advisor so you’ll know where you stand.

7. 你的财产

This term does not apply only to sprawling acreage or a palatial 首页. Your estate includes everything you own from property to cash and 投资 to personal belongings. Estate Planning is best done with a legal professional, 谁将帮助你起草遗嘱和/或信托, 根据你的特殊情况. You can also include wishes for your own funeral or celebration of life in a will, which can alleviate stress on your family members in the future.

8. 你的地下室

You may not have a large physical safe or even a safe deposit box. 尤其是在数字时代, compiling a “life file” is an essential step in ensuring the legacy you’ve designed will be carried out. Research and determine the most secure way to list your accounts, 投资, 密码, and contact information for the trusted advisors who handle your financial and legal affairs. 然后, speak with your attorney or accountant about the best way to designate one or more trusted, 有组织的, and responsible individuals to handle the data when needed.

This overview is only a glimpse of what it takes to create a legacy. May it set you on a path toward learning and speaking more about this vital financial topic with trusted professionals who specialize in these areas.