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Couples and Families

Couples and families have many financial choices to make.  And, Ameriana wants to guide you along the journey to a stronger financial life for you and your family.  Here are some helpful money management tips to help you set both short-term as well as long-term financial goals:

  • Check your credit scores annually with all three credit bureaus with your spouse.  This will make sure that everything is up to date and correct.
  • Make sure you and your spouse are contributing the maximum company match to your 401(k)s.
  • Pay yourself first.  Decide how much you're going to save each paycheck for an emergency fund, college and retirement, and stick with it.
  • Make sure your investment money is diversified.  In other words, don't place all your eggs in one basket.  Consider all of your investment options.
  • Invest in growth.  Put 70% of your long-term investments in stocks and/or stock mutual funds and the rest in bonds or bond funds.
  • Make sure to keep your will or trust updated.
  • Explore trust funds and other options with an estate attorney to ensure your assets are protected.  Trust funds aren't just for rich people, and wills aren't just for old people.  It's best to be prepared.
  • If you have trouble with overusing your credit card for purchases, leave it at home.  This will cut down on impulse buys.
  • Be a good financial role model for your children.  Practice what you preach.
  • Get your children involved in understanding how to budget by giving them chores, an allowance and making them responsible for some of their own financial decisions.
  • Don't sacrifice your retirement fund for your child's college saving fund.

Learn more about financial needs during various various life stages, such as starting a family, sending your children to school, starting your career, becoming an "empty nester" and retiring.

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