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Save for Retirement

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Understanding Student Loans

  • Types of loans:
  • Student loan dangers:
  • Consolidating your loans:
  • What To do When they tackle you:
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Student Loans

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7 Things you absolutely need to know today


Compounding Interest.

Albert Einstein said that it is “the greatest mathematical discovery of all time.” Understanding compounding interest is fundamental to understanding how to be successful in your personal finance life. If you have $10,000 today with a 7.2% return compounding (compounding interest) you would have $20,000 in 10 years without adding any more money. Compounding interest becomes even more powerful with more time.


Understanding your Financial Situation

In order to plan to reach your financial goals you need to understand where you are starting. Do you have debt? What is your interest rate? How long to pay it off? Do you have assets? How are they invested? Are they properly allocated for your goals? It is important to take the time to sit down and see where you are starting to know how to reach your goals.


Buy insurance instead of being SOLD insurance.

Most people think they have purchased insurance when in reality it was sold to them. Take the time to understand what your insurance needs are, what the best product is, and purchase what you need at the right price.



This is a basic one but you have to have a budget if you want to be successful financially. The wealthiest people got to where they are by spending less than they make and investing the difference wisely.


Credit Score

You need to know your credit score, understand how it is calculated, and work to improve it. Your credit score will have a huge impact on your financial life for the rest of your life.



Start planning for it now. You don’t need a lot of money if you have a lot of time. You most likely will be responsible for securing your own retirement so start planning for it today so that it will be a reality and not a dream.



Make sure you understand how the important legal documents work and that you have the correct ones for your situation. For example, do you have beneficiaries on your retirement accounts, do you have a will, do you need a guardianship provision?