Lately, it seems like everyone is talking about investing. But if you’re not sure whether it’s time for you to start investing, or if you should focus on saving, the answer depends on your goals, risk tolerance, and financial situation. In this article, we’ll help you determine whether you should focus on building your saving or starting to invest. So no matter where you are in your financial journey, we’d like to help you prepare to reach your specific goals.

You may have just landed your first “real” job or be well established in your career. But, if you’re like most people, you probably want to retire someday. To retire comfortably, you will need to have enough in savings and investments to maintain your preferred lifestyle. The key to success is to start saving as early as you can. Because the sooner you start, the more you’ll be able to prepare for the future. Here are a few tips to help you prepare for retirement.

Today, most people carry some amount of debt. This may include student loans, personal loans, or credit card bills. And sometimes it may be challenging to prioritize these debts over other everyday expenses. But making a plan to manage your payments and balances can help you take control of your finances. These nine tips may help you take steps toward managing your debt and improving your credit—which means you may be on your way toward maintaining healthy financial habits that pay off in the long run. This is how empowered becomes Empowerful.