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Tuesday Tip: 3 Tips to Maximize Earnings

Unless you’ve won the lottery or inherited a fortune from an estranged uncle, your job is your primary source of income and the lifeblood of your financial well-being. Here are some tips to maintain that job and maximize earnings. It will be good for your personal finances.

If you maximize your earnings, it can be easier to pay off debt.

If you maximize your earnings, it can be easier to pay off debt.

3 Ways to Maximize Earnings 

1. Don’t get too comfortable

No matter how secure you may think your job is, never get too comfortable or complacent. For one, your job may not be as “essential” to the company as you think. Another concern is maintaining high quality of work. If you become too comfortable, you may begin to care less and your performance could fall off. Find ways to stay motivated, keep up on the latest industry trends and news, and look for new projects to spearhead. Having this attitude will help you shine in your current job and make you look better to prospective employers later.

2. Maximize earnings  with your 401(k) contribution

A 401(k) may be the most cost-effective tool for retirement savings. With pre-tax savings and potential employer matching, it is incredibly beneficial to your future to contribute as much as you can. If your employer doesn’t offer a 401(k), you can open up your own personal IRA or Roth IRA. You won’t get an employer match, but your contribution will still grow exponentially.

3. Ask for a raise at the right time

The best time to discuss a raise or promotion is on a Thursday or Friday. A manager rarely has the time or desire to talk about it on a Monday morning. Another opportune time to bring it up would be after a positive review or successful completion of a big project. If the answer is “no”, you can still inquire about other methods of compensation. Perhaps some extra paid vacation time or working from home once a week.

Follow these tips to maximize earnings at your current job and build your potential for the future.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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