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Recent News and Articles on the Keywords: financial plan + financial planning + newlyweds  Related to the article below (Last Update: 8/5/2008)

5 Great Gifts That Keep on Giving
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The Garrett Planning Network is another resource for finding independent financial advisors who offer as-needed financial planning services with no minimum ...

Standard
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Money management: When you remarry
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Linden Travel Offers Honeymoon and Wedding Travel
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Ottawa Citizen
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Taipei Times, Taiwan - Jul 12, 2008
In related news, Huang Ching-mao (黃景茂), deputy head of the Ministry of the Interior?s (MOI) Construction and Planning Agency, said on Friday that a total ...
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Help for a happy marriage
Norwich Evening News, UK - Jul 28, 2008
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Source: Google News

[PDF] Cash flow management and credit use: Effect of a financial information program
SA DeVaney, L Gorham, JC Bechman, V Haldeman - Financial Counseling and Planning, 1996 - afcpe.org
... 1996, Association for Financial Counseling and Planning Education 77 ... to making a
spending plan (Davis and ... Financial feelings and satisfaction were expected to ...

[PDF] Motivation and stages of change in financial counseling: An application of a transtheoretical model …
BC Kerkman - Financial Counseling and Planning, 1998 - afcpe.org
... After some arguing they rearranged their spending plan to pay the new debt off as
fast as possible, as they had ... Financial Counseling and Planning, 3, 17- 42 ...

Financial behaviours of consumers in credit counselling -
JJ Xiao, B Sorhaindo, ET Garman - International Journal of Consumer Studies, 2006 - Blackwell Synergy
... to save, reducing debt, and contacting a financial planner. ... programme and contributing
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[PDF] Perceived adequacy of retirement income -
YL Malroutu, JJ Xiao - Financial Counseling and Planning, 1995 - afcpe.org
... other) 0.039 Longer term planner (vs. ... retirement they need to aggressively plan for
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[PDF] Cash flow management of low-income newlyweds -
DD Godwin, JC Koonce - Financial Counseling and Planning, 1992 - afcpe.org
... KEY WORDS: cash flow management, low-income newlyweds ... lower-income group did more
financial planning than the ... also more likely to have written financial plans. ...

An Exploratory Framework of the Determinants of Financial Satisfaction -
S Joo, JE Grable - Journal of Family and Economic Issues, 2004 - Springer
... 3. I had a plan to reach my financial goals ... Indi- vidual financial practices (eg,
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[PDF] The impact of financial attitudes and knowledge on financial management and satisfaction of recently … -
JL Parrotta, PJ Johnson - Financial Counseling and Planning, 1998 - afcpe.org
... greatest predictor of cash flow management of newlyweds. ... have recently entered, or
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Assessing the Baby Boomers' Financial Wellness Using Financial Ratios and a Subjective Measure
E Baek, SA DeVaney - Family and Consumer Sciences Research Journal, 2004 - fcs.sagepub.com
... found that the level of financial planning as well ... if they practice effective financial
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Antecedents and consequences of newlyweds? cash flow management -
DD Godwin - Financial Counseling and Planning, 1994 - papers.ssrn.com
... Delivery Paper Stats: Abstract Views: 568 Downloads: 0, Antecedents and Consequences
of Newlyweds' Cash Flow ... FINANCIAL COUNSELING AND PLANNING, Vol 5, 1994. ...

[CITATION] www. Personal_Asset_Allocation -
A Consiglio, F Cocco, SA Zenios - Interfaces, 2004 - INFORMS
... a single prob- lem, for example, retirement planning. ... optimizing an integrative finan-
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Source: Google Scholar
 

Financial Planning for Newlyweds

When starting a new life together, couples should focus on saving for retirement, paying off debt and preparing financially for any children. Here's how to set your priorities.
By Janet Bodnar
February 21, 2007

We're newlyweds in our early 20s, and we both work. We'd like to start saving for retirement, but we don't know where to begin. Should we start saving or pay off debt? What about life insurance? Any special retirement tips for couples planning on having kids?

You'll get your marriage off to a good start if you pay off all the debts from your past lives (and old relationships) as soon as possible.

Article continues below and (thank you)
 

Start either with debt that has the highest interest rate -- usually credit cards -- or with accounts that have the lowest balances. That way you'll feel as if you're making progress. Once you've paid off one account, you can move on to the next. (Learn more about saving money vs. paying down debt.)

Even if you're tackling debt, you should each save at least a little for retirement, either through your employer's retirement plan or a Roth IRA -- especially if your employer matches your contribution. Setting money aside gives you financial security, and saving early for retirement gives you a big head start.

If you change jobs (as people in their twenties are likely to do), don't cash out any retirement savings you've accumulated with your employer. Depending on how much you have in the account, you'll have three choices: leave the money with your former employer, transfer it to your new company or roll it into an IRA that you open with an investment company. Any of those options is better than spending the money.

One thing you probably don't need to spend money on right now is life insurance. You only need life insurance if someone is dependent on your income -- for example, children.

Once the kids come, figure that as a rule of thumb you'll need life insurance equal to about eight times your combined annual income. Buy low-cost term insurance, and you can probably purchase all you need for just a few hundred dollars a year (see Insure.com or AccuQuote.com). Use our calculator to see how much coverage you need.

Think of insurance and retirement savings as two separate pots of money. Buy the insurance you need, if any, and invest for retirement independently.

When you have children, keep your priorities straight. It may sound selfish, but saving for your own retirement should always come first -- even before saving for college. And you always have the option of tapping your Roth IRA to pay college bills.

Last week: Savings Advice for Newlyweds
 
 
 
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