CREDIT, DEBT, AND SHOES

You've been thinking about things like your wedding, your ideal job, and your dream home since the age of five. Why should planning for the rest of your life be any different?

We know it's hard to think about life after work when you're at the beginning of your career, but this is the best time to get in the habit of saving and investing. So whether you're faced with establishing your credit, managing your debt, or spending on things you want today—putting a little bit aside now could potentially become a lot over the years. Lifetime Retirement Planning with Wachovia can help you get more out of the possibilities your life offers today, and help make your retirement all you want it to be when you get there.

Accumulate cash - A habit that's actually good for you—an automatic savings plan. Try saving 10% of your income every month—out of sight, out of mind.
Build an emergency fund - Car repairs or a best friend's destination wedding can bleed a well balanced budget dry. Having a cushion equal to at least three months of income can help you stay confident through almost anything.
Contribute to your employer's retirement plan - Take advantage of plans such as a 401(k), which may provide matching funds from your employer—free money you don't want to pass up.
Open an IRA - You've earned it and you deserve to keep more of it. Pay yourself first.
Plan for job change - If you change jobs, be sure to consider rolling your employer's retirement plan to an IRA.¹
Treat yourself every now and then—maybe buy those shoes you've been eyeing for months!

Develop a Plan

One of the keys to investing for retirement is developing a plan that makes sense for you. Wachovia's Free Retirement Consultation can help you see if you're on track or if there is a potential gap in meeting your retirement needs. When you've completed your Retirement Consultation, you'll receive a personalized report that includes suggestions to help with both daily money management and planning for the future.

Talk to Wachovia

At Wachovia, we offer access to information and strategies you need to help build a realistic, well-integrated plan that evolves as your finances do. Ask us how Lifetime Retirement Planning with Wachovia can help you be confident wherever you are in your life.

Contact a Wachovia Financial Center to schedule an appointment with one of our Financial Specialists² or call the Retirement Resource Center at:

(866) 588-9606
8:00am - 8:00pm ET
Monday - Friday

03/07 49475

¹ Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½.

² Licensed Financial Specialists (LFS) are registered with Wachovia Securities. These associates are Wachovia Bank, N.A. employees and are not employed by Wachovia Securities. Investment products and services are offered through the Investment Services Group of Wachovia Securities.

Wachovia and Wachovia Securities do not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any action that may have tax consequences.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.