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Financial Literacy Education Series · Session 5

My Take-Home Action

Retirement Basics and Long-Term Financial Planning

Keep this card
  1. Ask HR three questions. “Is there a plan? Is there a match? What is the vesting schedule?” Then enroll — at least to the match, or 1%. No plan at work? Ask a free counselor about an IRA this month.
  2. Name a beneficiary on every account and policy. Five minutes each. (Worksheet page 2)
  3. Check my own record at ssa.gov/myaccount if I have a Social Security number — or ask a free counselor what applies to me.

I will put in % starting , and add 1% every .

My beneficiary on is .

My documents are in ; the person who knows is .

1 · What is the decision?Match first? How much? Which box?
2 · What are the trade-offs?Money now vs. money at 70. Waiting costs more than skipping.
3 · What is my next action?One form. One percent. One name.
Earn→Save→Protect→Grow→Plan

Series complete. Free help any time: House of Friendship · a non-profit counselor · legal aid

Three sources: Social Security · a plan at work · your own accounts. The match is part of your pay. Changing jobs: do not cash out. Start this month — any percent beats zero. Apex Learn × House of Friendship · education only, no products, no personal advice.