Personal finance

Resources to help you make more informed
long- and short-term financial decisions
Investing tips for beginners

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Prioritize your goals, choose your investments and keep track of your progress.
Watch '6 steps to help you control your future health care costs'

6 steps to help you control your future health care costs

Our panelists offer tips you can use today to get a head start on managing health care expenses. Footnote 1
Watch 'Savings strategies'

Savings strategies

A systematic saving strategy Footnote 2 can help you pursue your financial goals. These tips may help you save more.

Savings & budgeting strategies

Managing debt & credit

Balancing long- and short-term goals

Credit & lending resources

Tax planning

Planning your estate
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Tax planning resources

Tax Center

Tips, tools and information to help you file your taxes and learn about tax-efficient investing. Footnote 3
Cost of debt calculator

What's the true cost of debt?

Use this calculator to estimate your payments and total cost of an installment loan.
Find money to invest

Find the money to invest

See how making small changes in your spending habits can add up to extra cash to invest.

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Footnote 1 This material should be regarded as general information on healthcare considerations and is not intended to provide specific healthcare advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Footnote 2 Keep in mind that a systematic investment strategy cannot guarantee a profit or prevent a loss in declining markets. Since such an investment plan involves continual investment in securities regardless of fluctuating price levels, you should consider your willingness to continue purchasing during periods of high or low price levels.

Footnote 3 Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.