{"id":10377,"date":"2024-08-19T11:58:51","date_gmt":"2024-08-19T15:58:51","guid":{"rendered":"http:\/\/learn.realsecretsofmoney.com\/?page_id=10377"},"modified":"2025-01-14T14:13:38","modified_gmt":"2025-01-14T19:13:38","slug":"saving","status":"publish","type":"page","link":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/learn\/saving\/","title":{"rendered":"Saving"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1729713523375{margin-bottom: 50px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-5150\" data-1367-1600=\"50px 0px 50px 100px\" data-1025-1366=\"50px 0px 50px 80px\" data-769-1024=\"50px 0px 50px 60px\" data-681-768=\"30px 0px 30px 40px\" data-680=\"20px 0px 20px 20px\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-5150\" style=\"padding: 0px 0px 0px 100px\">\n\t\t\t[vc_column_text css=&#8221;.vc_custom_1729713298592{margin-bottom: 25px !important;}&#8221;]<\/p>\n<h1 style=\"text-align: left\"><span style=\"color: #294777\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-11318 alignleft\" src=\"http:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-content\/uploads\/2024\/09\/Learn-Savings-HeroIcon-new.png\" alt=\"\" width=\"89\" height=\"92\" \/><strong>Savings Plan<br \/>\n<\/strong><\/span><\/h1>\n<p>&nbsp;<\/p>\n<h4 style=\"text-align: left;line-height: 1.6\"><span style=\"color: #000000\">Building a habit of saving can change your life, whether it\u2019s for emergencies, future goals or simply achieving peace of mind. Learn how small savings today can lead to big changes tomorrow.<\/span><\/h4>\n<p>[\/vc_column_text]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-2833\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-2833\" >\n\t\t\t[vc_single_image image=&#8221;11316&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1726504944906{margin-left: 15% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;]<div class=\"mkdf-animation-holder mkdf-grow-in\" data-animation=\"mkdf-grow-in\" data-animation-delay=\"\"><div class=\"mkdf-animation-inner\"><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-8715\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-8715\" >\n\t\t\t[vc_single_image image=&#8221;10357&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;]\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1726504950080{margin-top: 150px !important;margin-right: 15% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-7123\" data-1367-1600=\"0px 100px 50px 100px\" data-1025-1366=\"0px 80px 50px 80px\" data-769-1024=\"00px 60px 50px 60px\" data-681-768=\"0px 40px 30px 40px\" data-680=\"0px 20px 20px 20px\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-7123\" >\n\t\t\t[vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 style=\"text-align: left\"><strong>42%<\/strong> of Americans have<br \/>\n<span style=\"color: #7fae46\"><em><strong>less than $1,000<\/strong><\/em><\/span> in savings.<\/h2>\n<p>[\/vc_column_text]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221; css=&#8221;.vc_custom_1726505046515{margin-top: -20px !important;}&#8221;]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-2074\" data-680=\"20px 20px 20px 20px\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-2074\" >\n\t\t\t[vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 style=\"text-align: center\"><strong>42%<\/strong> of Americans have<br \/>\n<span style=\"color: #7fae46\"><em><strong>less than $1,000<\/strong><\/em><\/span> in savings.<\/h2>\n<p>[\/vc_column_text]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;]<div class=\"mkdf-animation-holder mkdf-grow-in\" data-animation=\"mkdf-grow-in\" data-animation-delay=\"\"><div class=\"mkdf-animation-inner\"><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-2816\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-2816\" >\n\t\t\t[vc_single_image image=&#8221;10357&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;]\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-1751\" data-1367-1600=\"50px 100px 50px 100px\" data-1025-1366=\"50px 80px 50px 80px\" data-769-1024=\"50px 60px 50px 60px\" data-681-768=\"30px 40px 30px 40px\" data-680=\"20px\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-1751\" style=\"padding: 0px 320px 0px 320px\">\n\t\t\t[vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 style=\"text-align: center\"><span style=\"color: #294777\">20% <strong>Saving Rule<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"text-align: center\"><span style=\"color: #000000\">It&#8217;s important for you to develop a savings plan that works specifically for your needs, guides you toward financial health, and moves you closer to your personal financial goals. According to the 50-30-20 Budget Rule, 20% of your income should be allocated to savings and debt. Devote this chunk of your budget to paying down existing debt, creating a financial cushion and planning for your future.\u00a0<\/span><\/p>\n<p style=\"text-align: center\"><span style=\"color: #000000\">How, exactly, to use this part of your budget depends on your situation, but will likely include the following:\u00a0<\/span><\/p>\n<p>[\/vc_column_text]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1724077920080{margin-top: 25px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-xs&#8221;]<div class=\"mkdf-animation-holder mkdf-grow-in\" data-animation=\"mkdf-grow-in\" data-animation-delay=\"\"><div class=\"mkdf-animation-inner\"><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-9718\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-9718\" >\n\t\t\t[vc_single_image image=&#8221;11460&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;]\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221; css=&#8221;.vc_custom_1726504051375{margin-top: 30px !important;}&#8221;]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-2240\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-2240\" >\n\t\t\t<div class=\"mkdf-animation-holder mkdf-grow-in\" data-animation=\"mkdf-grow-in\" data-animation-delay=\"\"><div class=\"mkdf-animation-inner\">[vc_single_image image=&#8221;11469&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1727381978985{margin-bottom: 20px !important;}&#8221;][vc_single_image image=&#8221;11467&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1727381993314{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_single_image image=&#8221;11468&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1727382002975{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;][vc_single_image image=&#8221;11466&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1727382013247{margin-top: 20px !important;margin-bottom: 20px !important;}&#8221;]<\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1729714726509{margin-top: 50px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;11471&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221; css=&#8221;.vc_custom_1726504051375{margin-top: 30px !important;}&#8221;]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-3366\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-3366\" >\n\t\t\t<div class=\"mkdf-animation-holder mkdf-grow-in\" data-animation=\"mkdf-grow-in\" data-animation-delay=\"\"><div class=\"mkdf-animation-inner\">[vc_single_image image=&#8221;11472&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1728052909226{margin-bottom: 20px !important;}&#8221;]<\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1729787851237{margin-top: 50px !important;margin-bottom: 50px !important;}&#8221;][vc_column]<div class=\"mkdf-elements-holder   mkdf-one-column  mkdf-responsive-mode-768 \" ><div class=\"mkdf-eh-item    \"  data-item-class=\"mkdf-eh-custom-1400\">\n\t<div class=\"mkdf-eh-item-inner\">\n\t\t<div class=\"mkdf-eh-item-content mkdf-eh-custom-1400\" >\n\t\t\t<div class=\"mkdf-section-title-holder  mkdf-st-standard mkdf-st-title-left mkdf-st-normal-space \" style=\"text-align: center\">\n\t<div class=\"mkdf-st-inner\">\n\t\t\t\t\t<h2 class=\"mkdf-st-title\" style=\"color: #294777\">\n\t\t\t\tWhat to Learn <span class=\"mkdf-st-title-bold\">More?<\/span>\t\t\t<\/h2>\n\t\t\t\t\t<\/div>\n<\/div>\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1729787707431{padding-top: 200px !important;background-image: url(http:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-content\/uploads\/2024\/08\/CTA-Savings-Worksheet.png?id=10359) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_btn title=&#8221;Download&#8221; shape=&#8221;round&#8221; color=&#8221;primary&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1736800462266{margin-top: -20px !important;padding-bottom: 50px !important;padding-left: 100px !important;}&#8221; link=&#8221;url:https%3A%2F%2Flearn.realsecretsofmoney.com%2FFFSBB%2Fdownloads-2%2F|title:Classes&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1733410019500{padding-top: 200px !important;background-image: url(http:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-content\/uploads\/2024\/12\/CTA_Savings_AdvocateVersion.png?id=12141) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_btn title=&#8221;Contact Me&#8221; shape=&#8221;round&#8221; color=&#8221;primary&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1736868753081{margin-top: -20px !important;padding-bottom: 50px !important;padding-left: 100px !important;}&#8221; link=&#8221;url:%23|title:Couses&#8221; el_class=&#8221;popmake-11421&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1736880977186{margin-top: -75px !important;margin-bottom: -75px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1736880858369{padding-top: 100px !important;background-image: url(http:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-content\/uploads\/2024\/08\/CTA-Worksheet-1.png?id=10400) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_btn title=&#8221;Download&#8221; shape=&#8221;round&#8221; color=&#8221;primary&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1736882002146{margin-bottom: 50px !important;padding-top: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;}&#8221; link=&#8221;url:https%3A%2F%2Flearn.realsecretsofmoney.com%2FFFSBB%2Fdownloads-2%2F|title:Classes&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1736880867746{padding-top: 100px !important;background-image: url(http:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-content\/uploads\/2024\/12\/CTA_Insurance_AdvocateVersion.png?id=12135) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_btn title=&#8221;Contact Me&#8221; shape=&#8221;round&#8221; color=&#8221;primary&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1736881242481{margin-bottom: 50px !important;padding-top: 100px !important;padding-bottom: 50px !important;padding-left: 100px !important;}&#8221; link=&#8221;title:Couses&#8221; el_class=&#8221;popmake-11421&#8243;][\/vc_column][\/vc_row][vc_row][vc_column css=&#8221;.vc_custom_1727959578474{margin-top: 50px !important;}&#8221;][vc_single_image image=&#8221;10131&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1729713523375{margin-bottom: 50px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1726504944906{margin-left: 15% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1726504950080{margin-top: 150px !important;margin-right: 15% !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221; css=&#8221;.vc_custom_1726505046515{margin-top: -20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1724077920080{margin-top: 25px !important;}&#8221;][vc_column offset=&#8221;vc_hidden-xs&#8221;][\/vc_column][\/vc_row][vc_row][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221; css=&#8221;.vc_custom_1726504051375{margin-top: 30px !important;}&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1729714726509{margin-top: [&hellip;]<\/p>\n","protected":false},"author":56,"featured_media":0,"parent":9820,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full-width.php","meta":{"footnotes":""},"class_list":["post-10377","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/pages\/10377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/users\/56"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/comments?post=10377"}],"version-history":[{"count":40,"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/pages\/10377\/revisions"}],"predecessor-version":[{"id":12255,"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/pages\/10377\/revisions\/12255"}],"up":[{"embeddable":true,"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/pages\/9820"}],"wp:attachment":[{"href":"https:\/\/learn.realsecretsofmoney.com\/FFSBB\/wp-json\/wp\/v2\/media?parent=10377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}