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For example, suppose you are 18 years old and will retire at age 67.

If you put aside just $50 a month for 49 years in a tax-advantaged retirement account earning an average of 7 percent a year, you could have a quarter million dollars when you retire.* If you do use a credit card, pay off the balance each month.

Protect your personal identification number (PIN), and shield the keypad from view when using an ATM.

Studies show that individuals who seek financial advice tend to make better financial decisions.

At HHFCU we’re committed to helping young people on the path to financial security.

Which is why we’ve partnered with BALANCE, which offers free and confidential financial advice.* Rate of return is provided for information only and is not intended to represent the return of any specific investment.** Source: TDAmeritrade’s 3As long as you have all of these columns, the order doesn’t matter.You can also add a comments column if you deem it necessary for your records.Save it with a catchy name, like monetary mysteries, vacation impediments, or monetary distributions.The important thing is that you remember what you name it.

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