Financial Planning Basics
Chad Foster

Baby Finances

My wife and I are slowly turning the corner from having two babies to two full blown toddlers. Like most parents, the question “where did the time go?” seems ever so true. It was not easy, and we still have a lot more fun chaos ahead, but we are glad we took the following steps

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young adult student planning student loans
Financial Planning Basics
Chad Foster

Student Loans

Though annoying to have an overhang, don’t rush to pay off your student loans since your interest rates on these loans likely ranges from 4 to 7%. This rate is well below returns you can expect by fully funding your 401(k) to get an employer match and long-term equity return averages of about 10%.

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holding car keys
Financial Planning Basics
Chad Foster

Car Financing

Cars are a rapidly depreciating asset, meaning they quickly decline in price soon after you buy them and steadily decline in value over time. Thus they (like other items in their same category including clothes, furniture, jewelry and electronics) should go through extra scrutiny to determine if you really want and/or need them!

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All information included in this page and all pages throughout Young Money, Smart Money is provided for informational and educational purposes only and should not be taken as investment advice or a recommendation to invest accordingly. Investing involves risk, including a potential for a loss of principal. Educate yourself about all investments and funds you purchase, including their risks, objectives, and fees and expenses before investing. For additional assistance, please contact us or another financial professional for a more detailed review of your specific situation.

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