Are you saving for the future?
If you want to save more but aren’t sure how to begin, you’re not alone. Many Americans live paycheck to paycheck. The good news? Small steps can boost your savings without changing your lifestyle.
Secret #1: Put it aside
Before making a big or small purchase, wait a week or two. If you still want it, go for it. If not, that money can go into savings instead.
Secret #2: Pay yourself first
You pay your bills first—why not pay yourself, too? Set aside money in savings before covering other expenses. Make yourself a priority.
Secret #3: Shop smarter
Small daily purchases add up. A $2 coffee each day becomes $600 a year. Saved instead, that could grow to over $30,000 in 30 years with interest.
Secret #4: See your destination
Had you saved $200 a month for the last 10 years, you’d have $24,000 now. Use a financial calculator to see how small savings grow over time—it might motivate you.
Secret #5: Ditch the shoebox
Instead of no-interest or low-interest accounts, consider options like money market accounts or CDs. Learn about your choices to grow your savings wisely.
The best advice is to consult a financial professional. While saving money is crucial, where and how you save can significantly impact your net worth over time.
After all, it’s not about what we make, it’s about what we save and how we save it. Make a plan for your future today.
Video of the Month
Behavioral Finance
An amusing and whimsical look at behavioral finance best practices for investors.
Quarter In Brief
U.S. Markets
Stocks rode the wave of trade developments and Q2 corporate results to advance last month, pushing market averages to multiple record highs.
The Standard & Poor’s 500 Index gained 2.17 percent, while the Nasdaq Composite rose 3.70 percent. The Dow Jones Industrial Average edged 0.08 percent higher.1
1. WSJ.com, July 31 2025
Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker/Dealer Member FINRA/SIPC. www.lincolninvestment.com M3 Investment Services and the above firms are independent and non-affiliated.
S&P 500 Index is an index of 500 of the largest exchange-traded stocks in the US from a broad range of industries whose collective performance mirrors the overall stock market. The Dow Jones Industrial Average is a widely watched index of 30 American stocks thought to represent the pulse of the American economy and markets. The NASDAQ is an index that tracks the cumulative results on a market capitalization basis of all stocks trading in the NASDAQ system. Investors cannot invest directly in an index. Past performance is no guarantee of future results. 8/25