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“5 Ways to Build a Rock Solid Financial Foundation for Your Young Family”


It’s a fast moving time. Within a few short years, there’s a flurry of monumental life moments. You meet the love of your life and get engaged, and then married. You purchase your first home.

Maybe you even have children. Of course, it doesn’t always happen in that order. Either way, for many Americans, some of their biggest moments in life happen within the span of a few short years in their late-20s to late-30s.

In this paper, we’ll discuss five action steps you can take to help protect your young family, minimize risks, and establish a launchpad for future growth and success.

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“5 Ways to build a rock solid financial foundation for your young family”

    Financial Planning for Young Families

    Millennials are living in a much different world than their parents and grandparents did in early adulthood. You face your own unique set of challenges as you transition into a full-time career, start your own family, and establish your own home. Between hefty student debt, strict lending practices, and entering the workforce during an economic recession, you certainly have your work cut out for you!

    Preparing a budget

    Preparing a sound budget is the first step to long-term financial success. We can help you analyze your earnings, establish goals for both the near future and your eventual retirement, and decide upon a plan of action. You will learn how to:

    • track your credit scoreYoung couple holds child while looking fondly at each other
    • prioritize spending
    • reduce debt efficiently
    • make responsible lifestyle choices that align with your values
    • save for your future
    • use modern tools such as smartphone apps to manage your budget

    You work hard for your paychecks; a sound budget plan will help you maximize those earnings. Learn to make the most of every dollar you earn, so that you can build toward a brighter future for yourself and your young family.

    Dreaming of buying your first home? Let us show you how.

    Home ownership has always been one of the primary benchmarks of living the American Dream. But for young families, purchasing your first home is no simple matter. You face different obstacles to home ownership than your parents and grandparents who came before you.

    Purchasing a home is one of the biggest financial decisions you will ever make. We can guide you through all of the steps along the way, including:

    • Deciding whether you are financially ready to purchase a home
    • Improving your credit rating
    • Figuring out how much home you can afford
    • Choosing the right loan for your budget and long-term financial goals
    • Understanding mortgage industry lingo such as PMI, points, closing costs, and more

    Eliminating student debt

    Student loan debt is one of the largest financial obstacles faced by millennials. It can be difficult for many young people to juggle student loan payments, with saving for a home and preparing for retirement.

    If you hold several different student loans, you might find yourself faced with a dilemma: Which balance should you pay off first? The most efficient way to reduce student debt is to focus on the higher-interest loans. Of course, you should also consider the differences between private and federal student loans. Whereas federal loans offer many different options for repayment, private loans are much more strict. Often it is wise to prioritize private student loans.

    Loan consolidation is another option. Contact us for more information, and we can help you create a plan to eliminate student debt in the most efficient manner possible.


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