January

New Year's Resolutions

The start of a new year is a popular time to set new goals, especially financial ones. Now is a great time to encourage consumers to start their financial planning and develop healthy habits for the year. Tax Identity Theft Awareness Week also occurs in January.

Mindful Living

  • As you reflect on your list of new year’s resolutions, have you considered the positive effects of practicing mindfulness? Learn strategies for reducing stress and prioritize your mind & body this year: [INSERT LINK TO MODULE]
  • Stress can take a toll on your body and mind if you’re not taking the proper steps to manage it. As you enter a brand new year, consider the positive effects of living mindfully and learn 4 strategies you can start implementing today: [INSERT LINK TO MODULE]

Healthy Financial Habits

  • Start the year strong by establishing healthy financial habits! Get started: [INSERT LINK TO MODULE]
  • What better way to kick off the year than to start applying healthy financial habits to your daily life? Take 5 minutes and get started: [INSERT LINK TO MODULE]

Family Conversations About Money

  • The start of the new year can be a perfect time to talk to your family about financial goals. Not sure where to begin? We’ve got you covered: [INSERT LINK TO MODULE]
  • What are your financial goals for the new year? Make sure you and your partner are on the same page with these tips for starting the conversation: [INSERT LINK TO MODULE]

Debt Management

  • Now is the time to set your new year’s resolutions and make a plan to tackle your debt! Take this short lesson to learn how to reevaluate your budget and properly manage your debt: [INSERT LINK TO MODULE]
  • Approximately 80% of Americans are in debt – but debt isn’t always a bad thing! Credit cards, student loans, and mortgages are all examples of debt. Create an action plan for managing your debt: [INSERT LINK TO MODULE]

Subject Line: Achieve Your Goals This Year

It’s a brand new year, which is a great time to think about your future goals and set resolutions to work towards them. 

Money might not be the first thing on your mind right now, but at the start of the year, it’s the perfect time to create financial resolutions and develop healthy financial habits.  

Visit the [INSTITUTION NAME] financial education center to find New Year’s resolution inspiration and tips to keep you on track including:

  • How to create a personal plan for living mindfully this year
  • Strategies to make conversations about money productive
  • Develop an action plan for paying off and eliminating debt
  • 8 examples of healthy financial habits

Not sure where to begin? Get started with digital financial lessons: [INSERT LINK TO MODULE]

01 January Preview

Social Media Images





February

Savings

It's important to set aside money for the unexpected. Inspire your consumers to make savings a priority this year, and especially during America Saves Week.

Savings Accounts

  • Not sure how or where to start saving your money? Learn more about how different types of savings accounts can help you reach your financial goals: [INSERT LINK TO MODULE]
  • There are many different types of savings accounts and each comes with its own set of features and benefits. Figure out which one is right for you: [INSERT LINK TO MODULE]

Building Emergency Savings

  • How can you prepare for the unexpected? Learn how emergency savings can help you to be prepared, avoid debt, and keep your peace of mind: [INSERT LINK TO MODULE]
  • When things are going well, emergency savings can seem unimportant. But you don’t want to be caught unprepared when the unexpected hits! Click the link to learn more on why you should save for emergencies, how much to save, and how to make a plan to get started: [INSERT LINK TO MODULE]

Certificates of Deposit (CDs)

  • Can a certificate of deposit (or CD) help you achieve your financial goals? Learn more about the types of CDs and how to open one: [INSERT LINK TO MODULE]
  • Certificates of deposit (CDs) offer a low-risk savings option for a fixed period of time. Is a CD a good savings option to help you achieve your financial goals? Learn more: [INSERT LINK TO MODULE]

Health Savings Accounts

  • Are you eligible for a Health Savings Account (HSA)? Learn about the benefits of HSAs and how you might use one: [INSERT LINK TO MODULE]
  • The costs associated with health emergencies can be unbearable. Learn if a Health Savings Accounts (HSA) could be a good fit for you: [INSERT LINK TO MODULE]

Subject Line: Why Should I Save for the Unexpected?

We know how important it is to save our money, but it can be challenging to know where to begin. 

Choosing a savings account can be simple enough, but with a little extra research, you can create a savings strategy that aligns with your personal financial goals. In addition to educating yourself about types of savings vehicles, it’s critical to know how you can build a savings account dedicated to dealing with emergency circumstances, such as injuries, illnesses, or repairs for cars and appliances.

Learn more about starting a savings account, why you should save for emergencies, how much to save, and how to make a plan to get started here: [INSERT LINK TO MODULE]

02 February Preview

Social Media Images





March

Credit Scores & Reports

March is National Credit Education Month! Give consumers the tools they need to understand credit and develop healthy habits. National Employee Appreciation Day, National Consumer Protection Week, and Global Money Week all occur in March as well.

Credit Scores and Reports

  • What does it mean to be “creditworthy?” Learn more about how your credit score is determined and how it can impact your financial goals: [INSERT LINK TO MODULE]
  • Your credit score can have a big impact on your financial life. Understanding how credit scores and reports work can help you achieve goals such as buying a home, leasing a car, or paying off debt: [INSERT LINK TO MODULE]

Credit Cards

  • But before you open a new credit card account, be sure to learn more about how they work, the benefits and costs, and how to manage them responsibly: [INSERT LINK TO MODULE]
  • Credit card payment history accounts for approximately 35% of your credit score, so one way to build your credit score is to always pay your bills on time and in full. Take 5 minutes to learn more about credit card benefits and costs: [INSERT LINK TO MODULE]
  • Thinking about opening a new credit card account? Select the option that makes sense for you: [INSERT LINK TO MODULE]

Considering Homeownership

  • How does your credit score affect your ability to afford a home? Learn more: [INSERT LINK TO MODULE]
  • When shopping for a home, some of the biggest obstacles can be low credit scores. Use these tips to improve your credit score as you prepare for homeownership: [INSERT LINK TO MODULE]

Car Loans

  • If you’re in the market to buy a car, it’s important to know how your credit score can affect your financing options. Learn more here: [INSERT LINK TO MODULE]
  • Shopping around for a shiny new car? Before you buy, it’s important to know the credit requirement for auto loans. Take this short lesson to learn the basics: [INSERT LINK TO MODULE]

Subject Line: What does it mean to be creditworthy?

Your credit score may seem like a random number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are, which can have a big impact on your life. Understanding how credit scores and reports work can help you achieve financial goals such as buying a home, leasing a car, or paying off debt. 

You’re in luck! Our short 5-minute lessons include information about:

  • The types of institutions and companies that may use your credit score
  • The importance of credit, how to monitor credit, and how to improve and maintain credit

With a few tips, we can help you develop healthier credit habits in less than 10 minutes. Visit the [INSTITUTION NAME] financial education center: [INSERT LINK TO MODULE]

03 March Preview

Social Media Images





April

Financial Literacy Month

Financial Literacy Month is a great time to assess your financial goals. Help consumers understand the habits that can give them more confidence in their financial well-being. Other timely Hallmark holidays this month include National Employee Benefits Day and Tax Day.

Healthy Financial Habits

  • It’s National Financial Literacy Month and people across the country are learning crucial skills for developing strong financial habits. Join them: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
  • We’re celebrating National Financial Literacy Month this April by empowering you with the skills to make important financial decisions. Get started today! [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth

Creating a Budget

  • It’s Financial Literacy Month! Try these budgeting tips to ensure you’re staying on top of your financial goals: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
  • Only about one-third of Americans create and maintain a budget – are you one of them? Get budgeting tips this month: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
  • A budget can help you stay on top of your finances by helping you plan where your money will go instead of wondering where it went. We’re here to help: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth

Family Conversations About Money

  • We’re celebrating #FinancialLiteracyMonth this April by empowering you with the skills you need to start having conversations about money.  [INSERT LINK TO MODULE] #FinLitMonth
  • Talking to your family about money can be hard, but learning how to have productive conversations can actually help your finances. [INSERT DEEP LINK] #FinancialLiteracyMonth #FinLitMonth

Taxes: The Basics

  • It’s Financial Literacy Month - why not take this short interactive lesson to get prepared for Tax Day? [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
  • Avoid the stress of tax season! Understanding some important terms and guidelines can help you have a smoother filing experience. Try this short interactive lesson to get the insights you need to feel prepared to file your taxes:  [INSERT LINK TO MODULE]  #FinancialLiteracyMonth #FinLitMonth

Subject Line: Top Skills for Strong Financial Habits

National Financial Literacy Month is finally here and we’re committed to offering you the resources you need to make healthy financial decisions. 

This month, [INSTITUTION NAME] is celebrating our [members/customers] who have achieved important financial milestones. So to all of the first time home-buyers, small business owners, parents who sent a child off to college, and graduates who paid off their student debt – congratulations on your success! 

We hope that our free, digital financial education program supported you along the way and we will continue to be here for you, your family, and your community when you need it next.

Still working toward your goals? Let us help.

Check out our [PROGRAM NAME]: [INSERT URL]

04 April Preview

Social Media Images





May

529 Plans

This May, don't skip over 529 Day! Whether consumers are thinking about paying for college for themselves or someone else, a 529 plan is one option to consider. Other moments to celebrate this month include National Life Insurance Day and Small Business Week.

529 Plans

  • Are you planning to save for college for yourself or your child? Consider a 529 plan! Take this quick lesson to understand the benefits and risks of 529 plans: [INSERT LINK TO MODULE]
  • When saving for college, there are various options to choose from, and a 529 plan is one option to consider. Take this short lesson to make a more informed decision about your savings plan: [INSERT LINK TO MODULE]

Paying for College

  • Will you or a family member be attending college soon? Find out about the different ways you can save and pay for college: [INSERT LINK TO MODULE]
  • Are you or someone you know preparing for college expenses? Try our calculator to estimate your financial aid and out-of-pocket college costs: [INSERT LINK TO MODULE]

Mortgage Relief

  • The expenses that come with going to college can be daunting. One option to consider is refinancing your mortgage. See if this is the right choice for you: [INSERT LINK TO MODULE]
  • Are you or someone you know saving money to go to college? One way to free up funds is to refinance your mortgage and lower your monthly payments. Learn more about the benefits and drawbacks for refinancing: [INSERT LINK TO MODULE]

Subject Line: How Will You Pay for College?

The decision to go to college can be overwhelming. With so many factors to consider, the last thing you want to think about is how you’ll be paying for it, but not making a plan can put you in a tough spot financially. 

We’re here to help! Whether you’re planning to save for college for yourself or your child, we encourage you to explore our resources to make a more informed decision about your savings plan. 

Visit the [INSTITUTION NAME] financial education center to learn about topics including:

  • Different ways to pay for college
  • How to calculate unexpected costs and savings needed for college
  • Tools to help build college savings
  • The benefits and risks of 529 plans
  • Student aid options to help pay for college
  • How to calculate out-of-pocket costs and estimated student aid

What are you waiting for? Get started: [INSERT LINK]

05 May Preview

Social Media Images





June

Considering Homeownership

June is National Homeownership Month, and also the peak time of year for homebuying. This presents the perfect opportunity to share critical mortgage education with consumers who may be potential buyers. Other monthly highlights in June include National Insurance Awareness Day and the FAFSA deadline.

Considering Homeownership

  • Thinking about buying a home? Learn more about loan choices, closing costs, mortgages, and interest rates to decide if homeownership is right for you: [INSERT LINK TO MODULE]
  • Ready to move into a place of your own? Check out these key points on homeownership before making this big financial decision: [INSERT LINK TO MODULE]

Buying a Home

  • Are you considering purchasing a home? Learn more about the steps in the buying process and what resources are available to you: [INSERT LINK TO MODULE]
  • Congratulations on your decision to buy a home! Learn more about the upfront and ongoing costs of homeownership and how they will fit in with your other expenses. [INSERT LINK TO MODULE]
  • Shopping for a home? This educational lesson will explore loan choices, homebuying resources, and more: [INSERT LINK TO MODULE]

Mortgages

  • Feeling overwhelmed by mortgage applications? Learn more about the different types and the process to apply to the one that best fits your needs: [INSERT LINK TO MODULE]
  • Deciding to buy a home is a huge milestone itself, but the actual mortgage application process that follows can be overwhelming. Prepare yourself with these insights on mortgages, including the different types and key steps of the process you should be familiar with: [INSERT LINK TO MODULE]

Shopping for Insurance

  • Shopping for homeowners insurance can feel overwhelming. Use these questions as a starting point: [INSERT LINK TO MODULE]
  • In honor of National Insurance Awareness Day, explore what things to consider when shopping for insurance and how to avoid bad deals: [INSERT LINK TO MODULE]

Credit Scores and Reports

  • Your credit score can have a big impact on your ability to buy a home. Check out these 7 actions you can take to improve your score! [INSERT LINK TO MODULE]
  • Understanding how credit scores and reports work can help you achieve financial goals such as buying a home. Learn more:  [INSERT LINK TO MODULE]

Subject Line: How Can I Prepare for Homeownership?

Deciding to buy a home is a huge milestone itself, but the actual mortgage application process that follows can be overwhelming. Since buying a home can be one of the most expensive decisions you’ll ever make, it’s important to prepare yourself before you dive into the process. Everyone’s journey to homeownership is different, but they are some common things that every homebuyer should prepare for before they jump in. Here are some areas to start:

  • The many steps associated with homebuying
  • How to choose between buying and renting
  • How to identify different types of mortgages, what they are and how they are used
  • Understanding and calculating initial and ongoing costs
  • Determining your financial preparedness for homeownership

We can help you with your home buying education journey: [INSERT LINK TO MODULE]

06 June Preview

Social Media Images





July

Car Buying

Car sales spike in the summer months. Help both first-time and experienced buyers prepare to make good financial decisions as they approach this large purchase.

Car Loans

  • Summer is a popular time for car shopping, but will a new monthly payment fit into your #budget? Learn more about the factors that will affect the amount of your car loan payments: [INSERT LINK TO MODULE]
  • Planning to take advantage of pricing specials to buy yourself a new car this summer? Before you head to the dealership, make sure you understand the basics of auto loans:  [INSERT LINK TO MODULE]

Creating a Budget

  • Before you pack up for your summer vacation, make sure your #budget is ready for the trip too!  [INSERT LINK TO MODULE]
  • Want to create a budget or looking to update your current one? Try these tips to ensure you’re staying on top of your financial goals: [INSERT LINK TO MODULE]

Credit Scores & Reports

  • Do you know what your credit score is and how it’s calculated? If you’re thinking about buying a car, take a few minutes to recognize the value of your credit score.  [INSERT LINK TO MODULE]
  • About 35% of your credit score is based on your payment history - do you know what makes up the remaining 65%? If you are thinking about buying a car this summer, make sure you are focused on all aspects of your credit score. [INSERT LINK TO MODULE]

Subject line: Funding Your Summer Road Trip 

Whether you’re looking forward to spending time with family, getting outdoors, or taking a road trip – some of your biggest plans likely need a car to get you where you want to go this summer.

Here are a few quick tips to help you prepare for this big purchase:

  • Create a budget to determine how much car you can afford. Remember, you will need to pay not just the deposit and monthly auto loan, but also insurance, gas, and all of your day to day expenses.
  • Check your credit score, and see if you can increase your credit score while you save for your new car. 
  • And finally, learn the ins and outs of taking out a new car loan.

We’re here to help you with your car buying journey:  [INSERT LINK TO MODULE]

07 July Preview

Social Media Images





August

Family Conversations About Money

August, before the start of a busy school year, is an excellent time for families to talk about money-management. Many families have a difficult time talking about finances, but more open communication can help reduce stress and improve the financial capability of generations to come. National Financial Awareness Day occurs in August.

Family Conversations About Money

  • When’s the last time you discussed money with your family? Learn how having productive family conversations can help with your finances:  [INSERT LINK TO MODULE]
  • Have you talked to your partner about the 6 most important money questions? [INSERT LINK TO MODULE]

Healthy Financial Habits

  • Financial health is a critical component of your and your family’s overall health. Learn more about how you can develop the habits needed for financial well-being, and the resources to help you get there. [INSERT LINK TO MODULE]
  • The topic of wellness is on everyone’s mind, but don’t forget about your financial wellness! Check out these tips on how to establish healthy financial habits and then talk to your family about them. [INSERT LINK TO MODULE]

Credit Cards

  • 83% of adults in the US have at least one credit card. When’s the last time you talked to your family about how they are using their credit? [INSERT LINK TO MODULE]
  • Make sure you are using your credit card responsibly! Learn more about how they work and the benefits and costs: [INSERT LINK TO MODULE]
  • A credit card is one of many payment options you have, and they can even offer valuable benefits! But before you open a new credit card account, be sure to learn more about how they work, the benefits and costs, and how to manage them responsibly: [INSERT LINK TO MODULE]

Creating a Budget

  • Only about ⅓ of Americans create and maintain a budget. Help improve that statistic by doing this short digital lesson and then talking to your family about the power of budgeting. [INSERT LINK TO MODULE]
  • Help foster your family’s financial health by learning how to build a budget that supports your needs:  [INSERT LINK TO MODULE]

Subject Line: Have you had “the talk” with your family?

Money can be a difficult thing to talk about – but having proactive, honest conversations about money within your family can help reduce stress and improve the financial capability of generations to come.

Explore our online financial education lessons [INSERT LINK] to learn more about:

  • Identifying the appropriate family members to include
  • Strategies to make conversations productive
  • How to develop an action plan to create positive financial behaviors
  • Key topics including credit cards, budgeting, and building healthy financial habits

08 August Preview

Social Media Images





September

Paying for College

September is College Savings Month, and with many students starting school, parents have college on the brain. One of the unfortunate realities of the current school environment is that high school students have less access to the counselors who are so critical in guiding them through planning for college. Help fill this knowledge gap by providing families with the information they need to understand their payment options. 

National 401K Day and National Report Medicare Fraud Day also fall in September.

Paying for College

  • Did you know that FAFSA applications and renewals decreased this year? School closures in the spring meant that many high school seniors no longer had direct access to school counselors to help them navigate the process. We are here to help - get started with this short online lesson to demystify federal student aid. [INSERT LINK TO MODULE]
  • The college experience looks very different right now. If college is still part of your child’s journey after high school, don’t let uncertainty around the state of higher education delay or prevent your financial planning. You can do this, and we are here to help with free, digital lessons about FAFSA and other payment options for your family [INSERT LINK TO MODULE]
  • The average student-to-school counselor ratio is 482:1, and even with the best of intentions that direct access to guidance about planning for college becomes even more strained in the current remote learning environment. If you are looking for more information about financing options for your child’s college, our digital education center is the resource for you. Learn more about the FAFSA, and other payment methods. [INSERT LINK TO MODULE]
  • Is the #FAFSA on your to-do list? Learn more about federal #studentaid and the other options that you can utilize to pay for college expenses: [INSERT LINK TO MODULE]
  • Are you or a family member planning to attend school next fall? Don’t forget to consider the #FAFSA, one of the many options you have to pay for college expenses. Learn more and start planning: [INSERT LINK TO MODULE]

Understanding Your Student Loan

  • Student loans are designed to help students pay for higher education. Learn more about the different types of student loans, important student loan terms and student loan repayment options. [INSERT LINK TO MODULE]
  • Student loans can be complicated. Start simple by learning the differences between federal and private student loans. [INSERT LINK TO MODULE]

529 Plans

  • Are you starting to save for college for yourself or your child? There are many different savings vehicles you could choose from, and a 529 plan is one option to consider. [INSERT LINK TO MODULE]
  • Whether you are planning to save for college for yourself or for someone else in your family, 529 plans are an option worth considering. Take this short lesson to learn more about 529 plans, including the benefits, risks, and more: [INSERT LINK TO MODULE]

Subject Line: Take control of your college finances

Across the country, universities are making headlines as students start classes - either in-person or virtually. If you have a child that is approaching their high school graduation, this topic likely has your full attention. 

This is a great time to set an intention and focus on elements that you can control, including how you plan to pay for college. Explore our digital financial education content [INSERT LINK] to learn more about:

  • Different ways to pay for college, including 529 Plans
  • Tools to help you calculate costs and build your college savings
  • Student aid options and the key differences between student loans

09 September Preview

Social Media Images





October

Financial Planning

October is National Financial Planning Month! Help consumers understand the importance of planning ahead, and give them the resources they need to develop a financial plan that works for their personal and family goals. Other key holidays in October include: National Savings Day, International Credit Union Day, National Get Smart About Credit Day, and National Save to Retirement Week.

Certificates of Deposit

  • Can a certificate of deposit (CD) help you achieve your financial goals? Learn more about the types of CDs and how to open one: [INSERT LINK TO MODULE]
  • Certificates of deposit (CDs) offer a low-risk savings option for a fixed period of time. Is a CD a good savings option to help you achieve your financial goals? Learn about the types of certificates of deposits, the benefits and risks, and find out which one is right for you: [INSERT LINK TO MODULE]

Estate Planning

  • Take the time to create an estate plan now to ease the burden of your loved ones later. Learn more about why you should consider estate planning and what to consider in the process: [INSERT LINK TO MODULE]
  • Do you have assets, dependents, or specific wishes for how you want to be taken care of in old age? If so, you should consider creating an estate plan now to ease the burden of your loved ones later. Learn how to get started with building your plan and what to consider in the process: [INSERT LINK TO MODULE]

Becoming a Financial Caregiver

  • Before agreeing to become a financial caregiver, it’s important to understand the expectations and decisions you’ll be required to make. Our resources can help you and your loved one explore the right questions when it’s time to put a financial caregiver in place: [INSERT LINK TO MODULE]
  • Becoming a financial caregiver is an important decision that should not be taken lightly. Do you know what will be expected of you and how to protect yourself? Learn more: [INSERT LINK TO MODULE]

Subject Line: Financial planning without a crystal ball

When it comes to financial planning, it can be hard to know what the future holds that you need to prepare for. While you don’t have a crystal ball to see 20 years down the road, there are things that you can do today to help  your future self. 

Explore our digital financial resources to start thinking and planning for your financial future. 

Visit the [INSTITUTION NAME] financial education center to learn about topics including the:

  • Process and benefits of a Certificate of Deposit
  • Best practices and documents for estate planning 
  • Expectations, procedures, and documents in becoming a financial caregiver

There’s no time like the present to start planning for your financial future. Get started: [INSERT LINK]

10 October Preview

Social Media Images





November

Planning for Retirement

With all of life's everyday expenses, it is easy to put retirement on the back burner. Remind consumers to think about their retirement goals and give them some tips to get started. Other key holidays in November include International Fraud Awareness Week and Small Business Saturday.

401K Plans

  • How are you saving for your retirement? Learn more about how a 401(k) plan works and the options to help you save for a future income: [INSERT LINK TO MODULE]
  • Does your job offer a 401(k) retirement plan? Learn more about how 401(k) plans work and how you can contribute now to start building your future income: [INSERT LINK TO MODULE]

IRAs

  • Have you considered an IRA for your retirement savings? Visit our financial education center to learn more about IRAs: [INSERT LINK TO MODULE]
  • You have lots of choices when it comes to saving for retirement – don’t forget to consider an IRA as well! Visit our financial education center to learn more IRAs and if one is right for you: [INSERT LINK TO MODULE]

FIRE Lifestyle

  • FIRE – Financial Independence and Retire Early – is a long-term lifestyle goal that requires immediate modification of your short-term financial behaviors. Learn more about how to maximize your current income to retire earlier: [INSERT LINK TO MODULE]
  • Want to live a FIRE lifestyle? Learn to manage your finances so that you can have financial independence and an early retirement: [INSERT LINK TO MODULE]

Annuities

  • Anyone can be an investor! Take this quick course to understand how annuities can help you get your retirement savings goals on track: [INSERT LINK TO MODULE]
  • Do you know the differences between an immediate annuity and a deferred annuity? Take this course to learn more about how investing in annuities can help to ensure that you will have a dependable and regular source of income in retirement: [INSERT LINK TO MODULE]

When to Collect Social Security

  • Do you know when to collect your social security benefits? Learn more about social security and how it fits into your retirement plan: [INSERT LINK TO MODULE]
  • When planning for retirement, don’t forget to consider how social security benefits fit into your plan. Learn more about social security and how it applies to your financial situation: [INSERT LINK TO MODULE]

Subject Line: The average retirement age in the U.S. is...

U.S. Census Bureau data shows that on average, men in the United States retire at age 65 and women at age 63. There is a discrepancy between that reality and the expectation that younger Americans, aged 18-29, predict they will retire earlier at 63 years old.

No matter your age or your expectations, the best time to start planning and saving for your retirement is right now. 

There are different strategies and vehicles to help you jump into your golden years. Visit the [INSTITUTION NAME] financial education center [INSERT LINK] to learn about topics including:

  • The difference between 401K plans and IRAs 
  • What an annuity is and its role in retirement planning
  • The Financial Independence Retire Early (FIRE) Lifestyle and how it can lead to financial independence and early retirement
  • How timing impacts Social Security benefits

Sources:

11 November Preview

Social Media Images





December

Holiday Spending

The holidays are the most wonderful time of the year, but for many can also be the most stressful. This year, the unprecedented unemployment rate and overall economic volatility added yet another layer to this financial stress. Support your consumers with the financial education they need now, so they can focus on what really matters this holiday season: their family, friends, and health.

December is also National Identity Theft Prevention & Awareness Month, and with all of the online holiday shopping, it's no wonder that this preventative education is critical for consumers.

Creating a Budget

  • Avoid the stress of overspending this holiday season - get ahead by creating a budget that takes all your holiday plans into account. Get started: [INSERT LINK TO MODULE]
  • This is going to be a holiday season unlike any other. Try to focus on the simple joys of the season, not the financial stress. Explore these budget tips to help you stay on track: [INSERT LINK TO MODULE]
  • If the holidays are stressing out your mind and wallet even more than usual this year - you aren’t alone. The pandemic wreaked havoc on the economy, employment, and travel. Regain control with our budget tips:  [INSERT LINK TO MODULE]

Identity Protection

  • With all the holiday hustle and bustle, it’s more important than ever to make sure you keep your personal information protected. Learn more: [INSERT LINK TO MODULE]
  • For many of us, the holiday season calls for more spending online and in stores, which can be prime time for identity theft. Learn about keeping your information safe as you shop: [INSERT LINK TO MODULE]

Preventing Overdraft Fees

  • Planning to use your debit card for your holiday shopping this season? Make sure to keep tabs on your swiping! Learn more about preventing overdraft fees: [INSERT LINK TO MODULE]
  • Don’t let overdraft fees take away from your holiday spending budget! Learn more about these fees and how to avoid them: [INSERT LINK TO MODULE]

Credit Cards

  • Are you planning to use your credit card for holiday shopping? Make sure you are staying safe while swiping online or in stores. Learn more: [INSERT LINK TO MODULE]
  • 83% of U.S. adults have at least one credit card. If you are one of the millions of Americans using credit cards to shop this holiday season, take a few minutes for a refresher on the benefits and risks of credit cards: [INSERT LINK TO MODULE]

Subject Line: Holiday Tips for You

The winter holiday season is here, and we hope that yours are full of cheer! 

We know the holidays can be a busy, expensive time, and it can be hard to stay on top of your spending. But with a few financial education tips, you can build a holiday spending plan that works for you and your budget. 

Visit the [INSTITUTION NAME] financial education center for insights including: 

  • Using credit cards responsibly this holiday season 
  • How to protect your identity while shopping 
  • Creating a budget to guide your spending 
  • Understanding overdraft and how to avoid unwanted fees

Visit the [INSTITUTION NAME] financial education center to get started: [INSERT LINK TO MODULE] 

We hope these tips help you manage your finances during the holidays, so you can enjoy this time with your family and friends.

12 December Preview

Social Media Images