Howard Dayton

## __Unfortunately, most people in America are not consistent savers. Americans saved an average of 10.8 percent of their income in 1984. By 2006, their rate of saving had fallen to a negative 1 percent, the lowest savings rate in the past seventy-three years!__

However one of the few encouraging trends that occurred during the COVID-19 pandemic was an increase in savings rates. Whether in good times or challenging times, though, we all need to make saving a relentless habit.

The Bible encourages us to save:

> “The wise man saves for the future, but the foolish man spends whatever he gets” (Proverbs 21:20, tlb).

God commends the ant for saving. “Four things on earth are small, yet they are extremely wise: ants are creatures of little strength, yet they store up their food in the summer” (Proverbs 30:24-25, niv). We need to think like ants! Even though they are small, they save. You may not be in a position to save a lot right now, but begin the habit even if it is only a few dollars a week.

Joseph saved during “seven years of great abundance” (Genesis 41:29) in order to survive during “seven years of famine” (Genesis 41:30). That’s what savings is all about: not spending today so that you will have something to spend in the future. Most people are poor savers because they don’t see the value in practicing self-denial.

__Our culture screams that we deserve to get what we want, when we want it—and usually that’s right now!__

A "budget" or a spending plan is just...

## A SERIES OF PRE-MADE DECISIONS THAT GUIDE YOU AS YOU SPEND YOUR MONEY

...so that you stay within your income.

The most effective way to save is to make it automatic. When you receive income, the first thing you should do with the money should be a gift to the Lord, and the second should go to savings. An automatic payroll deduction is even a better way to save. Some people save their tax refunds or bonuses. Remember this: if you immediately save, you’ll save more.

The Bible doesn’t teach an amount to be saved. We recommend saving ten percent of your income. This may not be possible initially. But begin the habit of saving-even if it’s only a dollar a month.

1. Determine where you are already spending money
2. Decide where you to be spending money in order to meet your objectives
3. Determine a plan to control your expenses

Try a free trial of the __[MoneyWise app](https://www.moneywise.org/manage)__ to track your expenses and pay bills online while applying God's principles on managing money.

Biblical Wisdom For Your Financial Journey

MoneyWise

Articles

The article presents why we need to save and some biblical examples to affirm this wise practice.

It's Time to Save

“Put something aside for a rainy day.”

It’s an idiom that means we should reserve an amount of money for when we might unexpectedly need it. We call this saving.

__[Proverbs 21:20](https://www.biblegateway.com/passage/?search=Proverbs%2021%3A20&version=TLB)__ says, “The wise man saves for the future, but the foolish man spends whatever he gets.*”*

The Bible encourages us to save and is loaded with great practical advice.

Joseph, as second-in-command to Pharaoh, was able to store seven years of produce during Egypt’s time of abundance. So when seven years of famine came, there was enough food for everyone. We call this the “Joseph Principle.”

Even the ants know this principle (__[Proverbs 30:24-25](https://www.biblegateway.com/passage/?search=Proverbs+30%3A24-25&version=NLT)__), and the Bible commends them as being extremely wise!

Generally, we are not very good at saving money consistently. So, it can be helpful to automate our savings plan as much as possible.

__[Proverbs 3:9-10](https://www.biblegateway.com/passage/?search=Proverbs+3%3A9-10&version=NIV)__ says to, “Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing,  and your vats will brim over with new wine.”

One simple way of saving from our firstfruits is to set up an automatic deduction that transfers a portion of our income into a separate savings account. The Bible does not specify an amount, but Compass generally recommends working toward 10% of your income.

An emergency can present at any time. It is then that those “rainy day” funds will come in handy.

Creating a budget helps us set aside *now*  to meet future needs, such as repairing and replacing items, medical bills and tuition fees. It is also prudent to set aside an amount for long-term saving goals, such as retirement.

The Building Your Finances God’s Way financial discipleship study can help you to create a budget and much more. Spots are available in three of our online classes starting in June. [We encourage you to reserve your spot right here before time runs out](https://compass1.org/online-small-groups-studies/).

Saving gives us greater opportunities to be generous, even in times like this, where we are seeing increasing inflation among other challenges. *__[2 Corinthians 9:10-11](https://www.biblegateway.com/passage/?search=2+Corinthians+9%3A10-11&version=NLT)__ says God will provide and increase your resources, then a harvest of generosity in you, that you can always be generous.*

Saving also helps cultivate the fruit of the Spirit in our life as we seek God daily for His provision.

Remember” “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty” *(*__[Proverbs 21:5](https://www.biblegateway.com/passage/?search=Proverbs+21%3A5&version=NLT)__).

Be like the ant. Be wise. Save now and prepare for tomorrow.

Equipping people worldwide to faithfully apply God’s financial principles so they may know Christ more intimately.

Compass Financial

Money Topics

Be like the ant. Be wise. Save now and prepare for tomorrow.

How to Start Saving Money

When it comes to saving for college, the 529 plan has become the account of choice and it’s easy to see why. Account benefits include: no income limits to restrict people from opening such an account, liberal contribution limits, state income tax deductions or credits for a portion of contributions in many states, tax-free portfolio growth as long as withdrawals are used for qualified education expenses, and very little impact on financial aid eligibility.

However, for some families, there’s another way to save for college on a tax-advantaged basis. While it comes with significant restrictions, it also comes with one very appealing advantage over a 529 plan account. “It” is a Coverdell education savings account, named for the late Sen. Paul Coverdell of Georgia.

Since its introduction in 1997 as an “education IRA,” the account has been renamed, revamped, and seemingly relegated to the dust bin. But reports of its death have been greatly exaggerated. While the amount of assets in such accounts is a small fraction of that in 529 plans ($7 billion vs. $425 billion, according to the Education Data Initiative), the Coverdell is still alive and kicking. Qualifying families with college-bound kids under roof would be wise to consider using it — not as a replacement for a 529 plan account, but as a supplement.
### 
## __Coverdell pros & cons__

To be sure, the Coverdell has its downsides. First is a very restrictive contribution limit of just $2,000 per child per year. Second, there are income limits that restrict who can utilize such accounts. In order to make a full $2,000 contribution, married couples that file their tax returns jointly need to have modified adjusted gross income (MAGI) below $190,000. From there, as income rises, the contribution ceiling lowers. At $220,000 of income, a Coverdell is no longer an option. Single parents need to make less than $95,000, with contributions completely phased out by the time MAGI hits $110,000. The third strike against Coverdell ESAs is that while investment gains are tax-free as long as the money is used for qualified education expenses, there are no deductions or credits available for contributions.

However, for those who qualify, the Coverdell has one very significant advantage over a 529 plan account: A much broader assortment of investment choices. Whereas 529 plans are typically limited to age-based investment portfolios that work similarly to target-date retirement funds, as well as a limited menu of individual mutual funds, Coverdell account balances may be invested in most investments offered by the sponsoring broker. That makes the Coverdell perfectly suited to SMI’s strategies. Plus, whereas 529 plan accounts permit investment changes just twice per year, there are no such restrictions with a Coverdell. That, too, works in favor of those wanting to follow an SMI strategy with Coverdell money.

![](https://dcktxkaneetr8.cloudfront.net/2022/06/l3-compare-529.png)

## __Details, details__

Just as with a 529 plan account, money in a Coverdell ESA, even if owned by a dependent student, is considered a parental asset. As such, only 5.64% of the balance above $10,000 is factored into the financial aid formula.

One other difference between Coverdell ESAs and 529 plan accounts is that contributions to a Coverdell must stop once a beneficiary reaches age 18 whereas contributions to a 529 plan account may continue.

One advantage Coverdell ESAs *used to have* over 529 plan accounts was that money in such accounts could be used not just for college expenses, but for qualified elementary and secondary education expenses as well. Today, both Coverdell and 529 plan account money may be used for all such expenses. However, 529 plan account holders are limited to using a maximum of $10,000 for K-12 expenses. There is no cap on the amount of Coverdell money that can be used for those purposes.

SMI-recommended brokers that offer Coverdell accounts include Schwab, E-Trade, and TD Ameritrade.

For SMI members who are saving for college and trying to figure out the optimal way to use a Coverdell ESA and a 529 plan account, here’s SMI’s guidance. If you live in a state that provides a state tax deduction or credit for 529 plan contributions, start there, contributing up to the amount that’s eligible for that tax break. Then use a Coverdell ESA for additional contributions so that you can follow your SMI strategy of choice with that account. If you want to make further contributions, add more to your 529 plan account.

If your state does not provide a tax benefit for 529 plan contributions, start with a Coverdell. Once you hit the $2,000 annual limit per child, make any additional contributions to a 529 plan account.

Pairing a Coverdell ESA with a 529 plan account is the optimal way to save for college with the best combination of tax breaks and the flexibility to use an SMI strategy to manage at least a portion of your college portfolio.

Since 1990, do-it-yourself Christian investors have relied on SMI for proven strategies and trustworthy guidance.

Sound Mind Investing

Personal Finance

For some families, there’s another way to save for college on a tax-advantaged basis.

The Coverdell ESA – Still a Good Way to Save for College

Leo Sabo

The other day my wife Natalie and I were casually talking about where we are regarding our retirement plans. After about 30 minutes of looking and talking through the different income sources we expect to be drawing from, an uneasy, perhaps even fearful mood gripped both of us. For a brief period of time, filled with worry about the future, we lost focus of who we are and what we've been called to be, faithful followers of Christ, seeking God's will and not our own.

__The world pushes us to accumulate as much as possible to ensure we will be safe, but there's no amount of money or possessions that will ever make us feel safe.__ Ask any wealthy person what they're worried about, and more than likely, they, just like you, fear not having enough regardless of how much money they have.

Everyone is subject to worry about the future, and that attitude affects how we manage our money and our motives behind how and why we save.

__The Bible emphasizes saving as a prudent and wise thing to do.__ Being prepared for the future, when the future is uncertain, is wise. But, I have a sinking feeling that for many of us, at least here in the United States, our view and approach to saving is drastically different than God's view. And it is quite possible that God looks at the way we save and how much we accumulate in the same way he looked at the rich fool of Luke 12.
> 
> Luke 12:16–21 (ESV): *And he told them a parable, saying, "The land of a rich man produced plentifully, and he thought to himself, 'What shall I do, for I have nowhere to store my crops?' And he said, 'I will do this: I will tear down my barns and build larger ones, and there I will store all my grain and my goods. And I will say to my soul, "Soul, you have ample goods laid up for many years; relax, eat, drink, be merry."' But God said to him, 'Fool! This night your soul is required of you, and the things you have prepared, whose will they be?' So is the one who lays up treasure for himself and is not rich toward God."*
It's not that we should not save; it's that we should do so according to God's will and purpose. The rich fool already possessed enough crops to fill his barns before his fields produced plentifully. Why would he say, "I have nowhere to store my crops" if his existing barns were empty?

It's interesting to note that Jesus said nothing about his already full barns. He didn't say he should have never had anything stored in the first place or that he should have given it all away. Saving for the future is biblically supported. __Saving to excess is what Jesus called foolish.__

The rich fool's motivation for tearing down and building bigger barns was self-focused rather than God-focused. It is pretty easy in our culture of "you can never have enough" to adopt a similar attitude when saving for the future. It is no wonder that in multiple surveys over the past few years done by Chapman University on what Americans fear the most, running out of money for the future was consistently listed in the top five.

When our motivation for saving is about our protection and safety, or our abundance and comfort, we've stopped trusting in God and have begun trusting in our wealth. To only way to have a proper balance in saving is to remain dependent on God and seek His will and purpose for your life.

## You can trust God with your future

Immediately following the parable of the rich fool, Jesus affirms God's promise to always provide for those who seek His kingdom and his righteousness (Luke 12:22-34). He tells us not to worry. He knows what we need, and He desires to take care of us. Worry, fear, and a desire for comfort cause us to become self-focused laying up treasure for ourselves instead of being rich toward God.

__*WE MUST RESIST THE TEMPTATION TO CHOOSE EXTREME PERSPECTIVES WHEN HANDLING MONEY AND WEALTH.* __

You can't constantly give it all away because you'll eventually become a burden to others. You also can't hoard and accumulate to excess, so you never have to depend on anyone, especially God. There's a balance somewhere between those extremes, and we can maintain that balance with God's direction.

Like Natalie and I, you will face times when you will be gripped with fear and worry about the future. We have no way to prevent those thoughts from coming, but we can stand on God's promise, remembering that He's in control and that He loves us, so we have nothing to fear. Remember, your part is to steward, that is, *to manage* what you've been given by a loving and generous God. To maintain the right balance in saving, seek God’s will and let Him guide you on how much to save, and how much to give away.

## For Further Reading:

[Making the Most of Every Opportunity](https://www.christianstewardshipnetwork.com/blog/2021/10/14/making-the-most-of-every-opportunity)

[Contentment: The Superpower of the Financially Wise](https://www.moneywise.org/christian-stewardship-network/contentment-the-superpower-of-the-financially-wise-2956)

[Help People to Trust god More, and Giving will Follow ](https://www.christianstewardshipnetwork.com/blog/2021/9/9/growing-first-time-givers)

[Financial Discipleship: What is it? Who Should Be Teaching it?](https://www.christianstewardshipnetwork.com/blog/2021/9/9/financial-discipleship)

We teach church leaders the biblical perspective on finances.

Christian Stewardship Network

Blog

Everyone is subject to worry about the future, and that attitude affects how we manage our money and our motives.

Maintaining the Right Balance in Our Saving

If you have more than you need, don’t hoard it. Instead, seize the opportunity to be extra generous in your giving. Rob West shares how to evaluate your situation.

The MoneyWise Minute is a great way to be reminded of God's financial principles with actionable items you can easily apply to your daily life.

MoneyWise Minute

If you have more than you need, don’t hoard it. Instead, seize the opportunity to be extra generous in your giving. Rob West shares how to evaluate your situation.

Are You Saving Too Much for Retirement?

The future is coming at you fast — and if you’re going to be financially prepared, it’s wise to take steps now. Just ahead, we’ll talk about “growing your money to meet future needs.” Whether you’re saving for a shorter-term purchase or something longer-term — such as investing for retirement — the best time to start is now. More on that just ahead.
<ul><li>We’re grateful to have you along this Monday. And, as you may know, on most Mondays, our first day of the broadcast week, we focus on “first principles” — those underlying precepts that guide everything we talk about on this program.</li><li>Each week, we talk about one of the five basic ways that we all interact with money. Here’s what they are: We can earn money, we can live on it, we can give it away, we can owe it to someone or to the government, and we can grow it for the future.</li><li>Earn, live, give, owe, and grow.</li><li>Today, let’s talk about the last of those five — growing money.</li><li>BATTLING INFLATION</li><li>The level of inflation we have seen over the past year-and-a-half makes abundantly clear why growing money is so important. Money loses value over time. Let’s say you buried your savings in the backyard to keep them safe, and dug ‘em up 20 years from now. That money would be worth much less than it is now. Its “purchasing power” would have diminished — sharply.</li><li>Growing your money is the way to stay even with inflation — or you might even be able to get ahead of it. So you’re trying to maintain your purchasing power — or perhaps even improve it so that you can afford in the future what you may not be able to afford now.</li><li>The idea of saving for the future is not new, of course. King Solomon is credited with writing most of the Old Testament Book of Proverbs — about 2,500 years ago. In one passage, he tells us what he has observed in nature. He writes that some creatures “are small, yet…extremely wise.” He says “ants are creatures of little strength, yet they store up their food in the summer.”</li><li>The ants are wise because they know there will come a time when food won’t be readily available, so during the summer, they set it aside — they save for the future.</li><li>In the New Testament, Jesus told two parables that employed the idea of putting money to work and generating a return. In each parable, servants are entrusted with a certain amount of money, and they are expected to take actions that will make it grow. Now, of course, Jesus isn’t just giving a lesson in personal finance or investing. His parables make larger points about stewardship and accountability.</li><li>But I think we can conclude from the parables that putting money to work to earn a return — in anticipation of the future — is wise indeed. In fact, it is one aspect of responsible stewardship.</li><li>Now, what should you do with your money to make it grow? Well, that depends on several factors. One of the most important is your time horizon — that is, how long will it be before you need the money. Saving for a household project that you hope to start in 2025 is quite different from saving for a retirement that you expect to begin in 2055.</li><li>For shorter-term needs, you can’t afford to take as much risk. That means, for most people, that the best options right now are going to be things like a savings account with an online bank — online banks tend to pay higher rates — or perhaps bank CDs, or certificates of deposit.</li><li>A great option right now is the i-Bond, a U-S government bond that’s paying almost 10 percent — far beyond any other savings vehicle. The downside is that you’ll have to tie up your money for a while and pay a penalty if you make an early withdrawal.</li><li>For longer-term needs, such as retirement, the best option for many employees is their company retirement account. If you don’t have access to one of those, you can open an IRA — an individual retirement account — with a brokerage firm or a bank.</li><li>As for what particular things to invest in, it’s probably best to stick with high-quality mutual funds because most are diversified — they hold stocks from many companies. That helps protect your overall portfolio from the wild swings that occur with individual stocks.</li><li>The advice of Ecclesiastes 11:2 is well worth heeding. It says: “Divide your investments among many places, for you do not know what risks might lie ahead.”</li><li>Diversification is less critical when saving for shorter-term needs because the risk level is significantly less.</li><li>Whether you’re saving for the shorter-term or the longer-term, or somewhere in between, here’s something that applies across the board: The best time to start is now.</li><li>The longer you save, the better off you’re likely to be because time is a crucial factor in making money grow.</li><li>Well, we’re out of time for this segment on growing your money. I trust it was helpful.</li></ul>On this program, Rob also answers listener questions: 
<ul><li>How should you balance paying off your mortgage with investing?</li><li>When is it wise to refinance your mortgage?</li><li>How do you deal with a family member who is making unwise financial decisions? </li></ul>Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to <a href="mailto:questions@moneywise.org">Questions@MoneyWise.org</a>. Also, visit our website at <a href="http://moneywise.org/">MoneyWise.org</a> where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app.

Listen to MoneyWise Live each weekday at 4pm EST on Moody Radio.

MoneyWise Live

The future is coming at you fast. Be financially prepared! On this MoneyWise Live, we’ll talk about “growing your money to meet future needs. ﻿Whether you’re saving for a shorter-term purchase or something longer-term, the best time to start is now.

Saving for the Future and Generating a Return - FOUNDATION #6 (Owe)

Rob West offers a few helpful money saving ideas in the areas of gas, cash and utilities.

Rob West offers a few helpful money saving ideas in the areas of gas, cash and utilities.

Money Saving Ideas

The future is coming at you fast and if you’re going to be financially prepared, it’s wise to take steps now. Just ahead, we’ll talk about “growing your money to meet future needs.” Whether you’re saving for a shorter-term purchase or something longer-term such as investing for retirement, the best time to start is now. This is MoneyWise Live - biblical wisdom for your financial journey.On most Mondays, our first day of the broadcast week, we focus on “first principles” — those underlying precepts that guide everything we talk about on this program. Each week, we talk about one of the five basic ways that we all interact with money. Here’s what they are: We can earn money, we can live on it, we can give it away, we can owe it to someone or to the government, and we can grow it for the future. Earn, live, give, owe, and grow.On this episode, we'll talk about the last of those five — growing money. <ul><li>The level of inflation we have seen over the past year-and-a-half makes abundantly clear why growing money is so important. Money loses value over time. Let’s say you buried your savings in the backyard to keep them safe, and dug ‘em up in 20 years. That money would be worth much less than it is now. Its “purchasing power” would have diminished — sharply.</li><li>Growing your money is the way to stay even with inflation — or you might even be able to get ahead of it. So you’re trying to maintain your purchasing power — or perhaps even improve it, so that you can afford in the future what you may not be able to afford now. </li><li>The idea of saving for the future is not new. King Solomon is credited with writing most of the Old Testament Book of Proverbs about 2500 ago. In one passage, he tells us what he has observed in nature. He writes that some creatures “are small, yet extremely wise.” He says “ants are creatures of little strength, yet they store up their food in the summer.”</li><li>The ants are wise because they know there will come a time when food won’t be readily available, so during the summer, they set it aside or they save for the future.</li><li>In the New Testament, Jesus told two parables that employed the idea of putting money to work and generating a return. In each parable, servants are entrusted with a certain amount of money, and they are expected to take actions that will make it grow. Jesus isn’t just giving a lesson in personal finance or investing; his parables make larger points about stewardship and accountability. We can conclude from the parables that putting money to work to earn a return in anticipation of the future is wise and one aspect of responsible stewardship.</li><li>What should you do with your money to make it grow? That depends on several factors. One of the most important is your time horizon — how long will it be before you need the money. Saving for a household project that you hope to start in 2025 is quite different from saving for a retirement that you expect to begin in 2055.</li><li>For shorter-term needs, you can’t afford to take as much risk so, for most people, the best options are things like a savings account at an online bank (online banks tend to pay higher rates) or certificates of deposit. A great option at this date in time is the iBond, a U-S government bond that’s paying almost 10% — far beyond any other savings vehicle. The downside is you have to tie up your money for a while and pay a penalty if you make an early withdrawal.</li><li>For longer-term needs, such as retirement, the best option for many employees is their company retirement account. If you don’t have access to one of those, you can open an IRA — an individual retirement account — with a brokerage firm or a bank. As for what particular things to invest in, it’s probably best to stick with high-quality mutual funds because most are diversified (they hold stocks from many companies) which helps protect your overall portfolio from the wild swings that occur with INDIVIDUAL stocks. The advice of Ecclesiastes 11:2 is well worth heeding. It says: “Divide your investments among many places, for you do not know what risks might lie ahead.” Diversification is less critical when saving for shorter-term needs because the risk level is significantly less.</li><li>Whether you’re saving for the shorter-term or the longer-term, or somewhere in between, here’s something that applies across the board: The best time to start is now.</li><li>The longer you save, the better off you’re likely to be because time is a crucial factor in making money grow.</li><li>When starting to save, it's important to know how to do it. Recommended sequence:<ul><li>	Struggling situation - Eliminate all high interest short term debt</li><li>Surviving situation - Create an emergency fund.</li><li>Stable - Save for major purchases</li><li>Secure - Diversify and accumulate to meet long term needs</li><li>Surplus - Complete long term goals</li></ul></li></ul>Next, Rob answers these questions at 800-525-7000 or via email at Questions@MoneyWiseLive.org:<ul><li>How does one purchase I Bonds? <a href="https://www.treasurydirect.gov/">https://www.treasurydirect.gov...</a></li><li>Can you set up a Transfer on Death for I Bonds?</li><li>If you're 64 and have not started drawing Social Security and you're getting conflicting information on when you should start, when should you?</li><li>How does one pay tithes on money in the stock market?</li><li>What is Yield to Maturity of a bond?</li><li>With the market down as it is, shouldn't one increase, and not decrease their contributions to your retirement account?</li><li>How safe are debit cards these days?</li><li>If you're near retirement and starting to consider a financial advisor, should you consider a financial planner or a wealth manager?</li><li>If you have student loans, you're on Social Security disability and you've been offered a total and permanent discharge of your loan, should you take this?</li><li>If your parents are 96 and 91, they're are in assisted living and they have 3 investments left which you've been watching go down month-to-month, should you liquidate if you assume they probably have 5 years left?</li></ul>&lt;&lt;&lt; MoneyWise Market Update with Bob Doll &gt;&gt;&gt;<ul><li>Volatility in the market continues as exemplified today, correct?</li><li>What do you make of number indicating inflation is continuing to rage at 9.1% as of June?</li><li>Are you anticipating Q2 earnings at this point?</li><li>You were using broader measures to determine the existence of recession, what are your thoughts?</li><li>What are the implications of the US dollar continuing to soar?</li><li>What are you thoughts on dividend paying stocks?</li></ul>Be sure to check out the rest of MoneyWise.org to connect with a MoneyWise Coach or access our books and our many free helpful resources. You can also find us on Facebook (MoneyWise Media) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. And if you'd like to help, just click the Donate tab at the top of the page.

Saving for the Future and Generating a Return - FOUNDATION #6 (Grow)

Ron Blue Institute President, Michael Blue, shares a biblical example of this important distinction.

The Ron Blue Institute seeks to be a thought leader with great influence committed to changing the way Christians think, act, and communicate about financial stewardship, empowering the church, and changing the world.

Ron Blue Institute

Videos

Saving vs. Hoarding

Ron Blue

What are the issues to consider when trying to go to college? Ron Blue shares his experience and wisdom.

What are the issues to consider when trying to go to college? Ron shares his advice and wisdom.

Help! I have no college savings

Ron gives you the important questions to ask on this topic.

Ron gives you the right questions to ask on this important question.

How much is enough for retirement?

Is one more important than another? What's the top priority? Ron Blue answers this financial question.