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Money Moves To Make Before 40

Completing a decade in life is cause for a big celebration. Reaching 40 seems to be the time people start reflecting on every aspect of life. One of those reflections should be your financial life and money management strategies. Before you get to that age, you should be working towards certain financial goals. So what are some of the money moves to make before 40?

money moves to make before 40

Money Moves to Make Before 40

Make Managing Debt a Priority

Consumer debt is a major strain on your financial life. Turning 40 is life’s reminder that you are on the other half of it all. Therefore, one of the first money moves to make before 40 must include a plan on how to reduce credit card debt. Depending on your debt situation, you need to understand what route to take. Can you manage your debts on your own or do you need to consider credit counseling and debt management services? Now is the time to make a decision.

Focus More on Retirement

Retirement is not too far away now. If you still haven’t started saving, it’s now or never. Contribute to your retirement savings and 401(K) plans as much as you can. Re-look at your investment plans and see if you have the right portfolio.

Work on Building an Emergency Fund

A rainy day fund is crucial at this point in your life. Economies can collapse or you can lose your employment without notice. A serious health issue or some other unexpected event can take a toll on your finances. Therefore, you need to prepare yourself and make sure you continue to work towards getting out of debt and living a financially independent life.

These are the most basic money moves to make before 40. However, concentrate on every little detail to make sure you are on track with your life goals.

In the process if you need advice, speak with a certified counselor at ACCC today. Call 800-769-3571. 

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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