Starting Out

Create your financial goalsBuild a budget - and stick to it.Get help understanding money.Getting married requires financial planningBe smart about paying for educationSaving requires planning
Help set yourself up for financial success by understanding the basics of money management. Once you've got the fundamentals down, move on to saving and investing for your financial goals.

Build a budget and get a handle on debt

Gain more control over the money you earn with the right financial tools and savvy spending habits.

Build a budget

Be prepared for emergencies

Financial emergencies happen, but an emergency fund and insurance coverage can help you protect your finances.

Save for emergencies

Save & invest for retirement: Start now, even if you start small

It may seem years away, but the sooner you start saving and investing for retirement, the more time your money will have the potential to grow.

Start retirement savings

Balance your long- and short-term goals

Saving and/or investing for a house, college education or other goal? We know you have plans besides retirement, and these tips can help you reach them.

Balance your goals
Ready to get started?
Call 24 hours a day, 7 days a week
Life events
Prepare for common events related to this stage of your life, like:
Ready to get started?
Call us if you have any questions
Call 24/7
Work one-on-one with an advisor
Invest with an advisor
Receive one-on-one advice from
a licensed Merrill Edge Financial
Solutions Advisor™.
Get up to $600 when you invest in a new Merrill Edge® account. How to qualify