First, build an emergency fund. We had two hurricanes come through our area in 2016, and my daughter totaled her car – without an emergency fund, we would have been in trouble. Try to save two to three months worth of income for your emergency fund. Do Not touch it unless you have a true emergency.
Second, put more away for your retirement. Using payroll deduction is the easiest way to save. Through payroll deduction, you can save pre-tax dollars and may notice little to no change in your spendable income.
Review your portfolio. I recommend at least twice a year. Things change in the markets; things change in your life – semi-annual review will make sure that you portfolio keeps pace with these changes.

I hope you have a prosperous 2017!

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