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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5240
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
November/December 2019
Avoid These Mistakes!
Millennials, many who came of age during the last recession and have record amounts of student debt, are sometimes hesitant to make financial decisions. However, they shouldn’t let their hesitation lead to these money mistakes:
Being Too Extreme
With time on their side, Millennials can afford to be aggressive financially. This doesn’t mean they should put all - or any of – their money into questionable investments. At the other extreme are Millennials who won’t accept any risk, no matter how small. Explore your financial opportunities and make the appropriate choices.Operating Without a Net
If you don’t have an emergency fund, you are living without a financial safety net. Put a few dollars into a separate fund each paycheck to help cushion potential financial shocks, including unemployment and expensive home or auto repairs.Not Saving Enough
Your savings will grow exponentially with the time you give them to grow, so save something – anything – starting today. Your older self will appreciate your early efforts.Ignoring Your 401(k)
If you have a company-sponsored 401(k) plan and you’re not contributing to it, you’re missing a big opportunity. Contributions are tax-deferred and potential earnings grow tax-free until withdrawal. Plus, you’re really missing out if you don’t contribute at least what your employer will match.GE-2572772 (06/19)(exp.06/21)
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