WAM: Wealth & Asset Management

04/19/2026

https://youtu.be/WSRoiot6mZk?si=Zheet09gWFRGQar5

You work hard for your money, so make sure it works hard for you, too. Learn how our proven How Money Works™ concepts can help you get on the path to financi...

04/19/2026

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11/12/2025

i like this quote.
"As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them."

10/08/2025

5 Ways to Beat the Clock

1. Pay off credit cards as soon as you can: The interest you pay on credit cards reduces the amount you have available to save for retirement.

2. Scale down rather than up: To build a retirement nest egg, scale down your lifestyle and get used to living on less. When you get a raise, sock it away.

3. Put as much as you can into tax-deferred retirement plans: The money will grow faster, since you don’t pay taxes on it until you make withdrawals. You can even have the money taken directly from your paycheck, so you never see it.

4. Boost your income: Take on a second job and stash the money away for retirement. The sacrifices you make now will affect your quality of life later. Interested in part-time work? Talk to the Primerica Representative who gave you this newsletter.

5. Take advantage of “catch up” provisions: Uncle Sam provides savers age 50 and up with higher contribution limits for tax-advantaged plans like IRAs and 401(k)s. Make the most of these “catch up” provisions while you can.

Primerica Solutions

10/08/2025

Did you know this!!!
The average credit card balance by generation:

10/08/2025

Childcare costs more than college or rent in some states:
Childcare is one of the biggest expenses families face in the U.S. and is often unaffordable for low-wage workers.

According to a report published by the Economic Policy Institute, the cost of childcare exceeds the price of college tuition in 38 states and the District of Columbia. In Colorado, for instance, the average annual cost of infant care is $21,840, which is $11,873 more (a 119% increase) than in-state tuition for a four-year public college.

The same analysis also found that childcare costs exceed average rent prices in 17 states and the District of Columbia. In Massachusetts, infant childcare costs 20.9% more than average rent.

EPI.org, “Child Care Costs in the United States,” viewed March 11, 2025

10/08/2025

Keeping pace with Inflation:

Inflation has made an impact on how much things cost in the U.S. The average price of a carton of large eggs (per dozen) in December of 1994 was about 87 cents. Today, a carton of large eggs (per dozen) will cost you around $4.15 (December 2024). That’s an increase of 377%!*

10/08/2025

Are you ready to retire?
Choosing to retire is one of the biggest decisions you’ll make in your lifetime. Here are four signs you are ready to transition out of the workforce and start your next adventure.

You’re Financially Prepared. You’ve calculated how much money you’ll need to live comfortably throughout your retirement years, and you’ve built up an adequate nest egg through personal savings, investments, etc., to maintain that lifestyle after you stop working. You’ve created a budget, and you’ve factored inflation into this plan. Maybe you’re even planning to work part-time to supplement your savings. If you can check off this step, you’re off to a great start!

You Have a Plan for Social Security. Whether you start claiming at the age of 62 or at the full retirement age, depending on your birthdate, you understand how Social Security works and how it will support the additional retirement income you’ve accumulated. You understand that the longer you wait to claim Social Security benefits, the larger your benefit will be, and you’ve factored this distribution strategy into your retirement budget.

You Have a Healthcare Plan. You will qualify for Medicare at age 65, but you’ll need another plan if you retire before then. Latest research findings show that healthcare costs pre-retirement are grossly underestimated, and the vast majority of investors inaccurately predict their life expectancy, increasing retirement income planning risk. Obtaining supplemental coverage can help offset the costs of prescription drugs, dental visits, and other medical expenses.

You Have Tackled Debt. Or at least you have a plan to tackle what little debt you have left in retirement. It seems obvious. If you’re still repaying debt in retirement, that means you have less money to live on, and if you accrue more debt in retirement, your expenses will be higher. More Americans are in or are approaching retirement with more debt than at any time in our nation’s history.

04/10/2025