Seleccione el idioma
Redirect to another site
Language Selector
Switch Language
Menu

 

Test


 


Financial Wellness



 

Ready to take control of your finances? Explore educational resources to learn more about managing your finances effectively, no matter where you are in your financial wellness journey. Want to learn more? You can always log on to Fidelity NetBenefits® to find more support.

 

Budgeting & Debt

Make a plan for your saving and spending to have more control over where your money goes. While budgeting might not be on top of your fun list, it can help free up cash for the things you enjoy—whether that’s fun activities, buying a car, or saving for retirement. Making a plan for your money and your spending helps you understand where your money is going. Budgeting can be as simple as making a list of money in vs. money out.

 

Budgeting & Debt Principles

Below are resources from Fidelity® covering some key principles to consider when it comes to your saving and spending.

money icon

Expense breakdown
 

Consider this breakdown to help you create your budget:

 

  • Essential expenses (rent, utilities): 50%
     
  • Discretionary expenses (“fun” money): 30%
     
  • Short and long-term savings: 5%
     
  • Retirement savings (401(k), IRA): 15%
piggy bank icon

Budget check-up
 

Use the quick savings and spending check-up to see how your actual savings and spending habits compare with Fidelity’s guidelines and learn how you can improve your budget.

coins icon

Prioritize your savings
 

There’s a variety of debt you may have including student loans, car loans, credit cards, and mortgages. While not all debt is bad, you may need to prioritize paying down debt with high interest payments in the short-term. Read this article to learn more about methods to pay down debt.

safe icon

Financial fundamentals video series
 

Explore this series of short videos to learn about financial fundamentals, including emergency savings and general debt management.

calc icon

Budgeting and paying down debt
 

Read this article to learn more about where to start and how to balance your money in and out.

card lock icon

Contact a tax and/or financial advisor to discuss your financial goals
 

For major financial decisions and help with budgeting, consult a professional to get help with your decision.

 

Additional Resources

Budgeting worksheet

 

 

For a good starting point, open this worksheet to get started on your budget.

 

LANL arrow button.png

 

Managing your cash flow in retirement

 

Learn smart ways to help make managing your finances easier with less work.

 

LANL arrow button.png

 

Retirement budgeting

 

 

Learn more about budgeting on a fixed income on retirement.

 

LANL arrow button.png

 

Managing medical bills


 

Learn how to navigate and negotiate medical bills.


 

LANL arrow button.png

 


Savings

Being a strong saver can make a big difference down the road. Wherever you are in your journey, there are savings strategies to help you work toward your goals.

 

Savings Principles

money bag icon

Savings topics

 

Explore this series of short videos on savings topics, like creating a savings plan and saving for a short-term goal.

piggy bank icon

Money milestones to aim for in your 30s, 40s, and 50s

 

Learn major money milestones along the way.

building icon

Power of small amounts

 

Use Fidelity’s quick interactive example to understand how small contribution increases can add up over time.

money icon icon

How your Health Savings Account (HSA) can help with your retirement

 

See how your HSA can be a part of your retirement strategy.

calc icon

Benefits of Saving for Retirement

 

Watch this video to learn more about how to save for retirement.

safe icon

How to save money

 

Complete eight steps to reach your savings goals.


Additional Resources

The 52-week money challenge

 

 

Discover how you could save throughout the year using this guide to saving.

 

 

LANL arrow button.png

 

Managing your cash flow in retirement

 

Learn smart ways to help make managing your finances easier with less work.

 

 

LANL arrow button.png

 

Saving for college: 529 plans

 

 

Watch a webinar with Fidelity about the latest 529 plan savings strategies for your child or grandchild’s education.

 

LANL arrow button.png

 

 

Investing

Investing can make your money work for you through potential growth and compounding over time. Compounding is when you earn money not just on the money you contribute, but also on the money you earn. It's returns on top of returns.

Unlike a savings account, there's risk involved in investing your money. There's always a chance that the market could go down and you could lose money.

 

Investing Principles

MoneyCoins icon

Video: What’s diversification?

 

Learn about the importance of diversifying your investments.

safe icon

Saving and investing for the future you want

 

Discover how investing can help fund your dream retirement.

coins icon

Investing with confidence

 

A well-designed plan can help you handle uncertainty. Learn more.

MoneyCoins icon

Video: Investing fundamentals

 

Find out more through this series of short videos covering the basics of investing.

safe icon

The power of continuous contributions and compounding

 

Learn how powerful the snowball effect of compounding can be.

coins icon

Keys to your retirement income plan

 

Learn how to manage your income when you’re in retirement.


Additional Resources

What to do with an old 401(k)

 


Four options for what to do with your 401(k) after you leave your job.

 

LANL arrow button.png

 

How is your portfolio doing?

 


A step-by-step guide to evaluating your investments.

 

LANL arrow button.png

 

Making sense of Required Minimum Distributions (RMDs)

Answers to common questions about RMDs.


LANL arrow button.png

 

 

Preparing for Major Life Events

Life is full of milestones and major events—some wonderful and some challenging. Here are additional resources to help you navigate life’s big events.

Ver Todo Cierra Todo

Saving for an emergency

There’s a lot that can happen in life that can upset our plans, so it helps to prepare for the unexpected. Review some of these resources to learn how and why to build an emergency savings reserve:

Saving for a major goal

Cars, home renovations, and sending kids to college: Here's how to plan for these big commitments.

Becoming an empty nester

Learn how to make the most of this new stage of life with pointers on estate planning, retirement savings, and the emotional adjustment.

Caring for aging loved ones

Get help with supporting and making decisions for your aging loved ones.

Experiencing illness or injury

Understand how to handle the logistics and the emotions that come with illness and injury. Whether it’s questions about insurance, work benefits, budgeting, medical bills, or making informed decisions, LANL is here to help.

Planning for medical expenses

Unexpected medical expenses can be overwhelming. Learn what you can do to plan ahead.

 

Back to the top

 

Investing involves risk, including risk of loss.

This website provides only a summary of the main features of the plans, and the plan documents will govern in the event of any discrepancies. 
The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.  
This information is intended to be educational and is not tailored to the investment needs of any specific investor.  
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917  
©2025 FMR LLC. All rights reserved. 
1192191.1.0