When you’re living paycheck to paycheck, it can be difficult to think about your financial future. The thing is, without a plan, you will never achieve your financial goals. From owning a home to planning for retirement, knowing where you want to end up helps you know where to begin.

Home Ownership

Figuring out what you can afford. Checking your credit score. Getting a loan. Negotiating a sale. Down payments. Insurance. Brokers. Inspections. HOA. Buying a home is one of the most complicated processes you’ll ever go through. It’s also the biggest investment most of us ever make. It makes sense to start planning to buy a home early. Here are some resources for first-time home buyers:

1-Year Plan for New Homebuyers

6 First-Time Homebuyer Mistakes to Avoid

9 Grants and Programs to Help You Buy Your First Home


If you’re anything like me, retirement was the last thing on your mind when your employer asked if you’d like to contribute to a 401k at the age of 22. The truth is, that is the perfect time to start contributing to a retirement savings account and earning any matching funds your employer offers.

Saving for Retirement When You’re in Your 20s

The Best Retirement Plans for Young Workers

Eight Retirement Planning Factors Young Workers Need to Think About Now