Savings Fitness A Guide To Your Money and Your Financial Future

Content Highlights

A Financial Warm-up

Your Savings Fitness Dream

How's Your Financial Fitness?

Avoiding Financial Setbacks

Boost Your Financial Performance

Strengthening Your Fitness Plan

Personal Financial Fitness

Maximizing Your Workout Potential

Employer Fitness Program

Financial Fitness for the Self-Employed

Staying On Track

A Lifetime of Financial Growth

A Workout Worth Doing

Resources

text version
pdf version

Savings Fitness:
A Guide To Your Money and Your Financial Future

Resources

This publication is presented by the:

Employee Benefits Security Administration
U.S. Department of Labor
200 Constitution Ave., N.W.
Washington, DC 20210
Web site: www.dol.gov/ebsa
Toll-free Publication request line: 1-866-444-ebsa (3272)

Certified Financial Planner Board of Standards, Inc.
1670 Broadway, Suite 600
Denver, CO 80202-4809
Web site: www.CFP.net/learn
Toll-free number: 1-888-237-6275

Sample Financial Calculator Web Sites:

www.kiplinger.com - Click on "Planning," then "Retirement."

www.moneymag.com - Click on "Your Money," then "Retirement."

www.usnews.com - Click on "Money and Business," then "Retirement."

www.asec.org - Click on "Ballpark Estimate."

www.nasd.com - Click on "Investor Education," then "Tools You Can Use."

(Note: The sites above are only a sample of calculators available on the Web. The Department of Labor does not endorse a specific calculator or the products and services offered on these Web sites.)

Paying Off Your Credit Card Balance:

Consolidated Credit Counseling Services, Inc.
www.debtfree.org

Other Web sources that highlight savings and retirement planning:

www.sec.gov
View the U.S. Securities and Exchange Commission's Investor Information section for online help with investing and consumer protection questions. The site also offers resources for teachers and a student quiz, "Test Your Month $marts."
Toll-free consumer information number: 1-800-732-0330

www.ftc.gov
Check out the Federal Trade Commission's section on "Consumer Protection," including a section on investment scams.

www.pueblo.gsa.gov
The Federal Citizen Information Center's site contains text versions of hundreds of consumer publications. See the "Money" section for a list of brochures on money management and retirement planning.

www.socialsecurity.gov
Visit the Social Security Administration's Web site for pages on retirement and a kids page that includes information for parents and teachers. Wage earners can request a Personal Earnings and Benefits Estimate Statement or can estimate their retirement benefits

www.irs.gov/retirement
The IRS Web site provides tax information on IRAs, 401 (k) plans, SEP and SIMPLE plans, and much more.

www.savingsbonds.gov
The Bureau of the Public Debt's Web site features pages on savings bonds, a savings bond calculator, and instructions for buying bonds online.

www.investoreducation.org
Investors of all ages can link to "Investing Basics," and for kids, the site includes a "Kid's Savings Calculator." All are sponsored by the Alliance for Investor Education (AIE).

www.aarp.org
The AARP site provides advice on a host of retirement planning issues. Link to "Money and Work" for a wealth of information on financial planning.

www.nefe.org
Check out the "High School Financial Planning Program" at this site,
sponsored by the National Endowment for Financial Education.

www.jumpstartcoalition.org
JumptartCoalition for Personal Financial literacy offers personal financial education materials aimed at grades K-12.

www.consumerfed.org
The Consumer Federation of America offers several financial publications, including 66 Ways to Save Money. You can also download information on "Teenage Consumers: Teaching Your Children How to Save and Spend."

www.moneyopolis.org
This educational Web site for lads in grades 6 through 8 focuses on basic financial concepts. Also, it features interactive segments that demonstrate how much children can accumulate just by saving a little. Includes pages for teachers and parents.