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SMART MONEY STRATEGIES FOR EVERY AGE AND SITUATION
Your 20s and 30s—Establishing Your Financial Foundation

Section 7 of 11:
EMPLOYEE BENEFITS:
How Can I Make the Most of What My Company Offers?
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Whether you work for a large or small company, a nonprofit
organization, a for-profit firm, or a government agency, the
package of employee benefits available to you is crucial in putting
together your personal financial plan.

If you take the time and effort to understand and fully utilize your
benefits package, you will end up in much better financial shape
than if you toss your employee benefits handbook in a drawer and
vow to yourself, “I’ll get to it as soon as I can.”

Each section of this report contains useful tips, techniques and
action strategies that you can implement right away. Combined
together, these tips and strategies are designed to help you learn
how to micro-manage your funds so that your money multiplies
itself.

Read on and reap the financial rewards!

Jordan E. Goodman
America’s Money Answers Man
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EMPLOYEE BENEFITS:
How Can I Make the Most of What My Company Offers?

By participating in all your employer’s benefits programs as soon as
you start your job or qualify for the programs, you can get off to a
solid start in laying your financial foundation. In addition to
weighing all the other factors that go into your acceptance of a
particular position, look into potential employers’ benefits packages
carefully when evaluating job offers, and accept the position that
provides the most lucrative benefits.

Once on the job, enroll in every available retirement savings
program, such as profit-sharing and salary reduction plans. The
earlier you begin participating, the more the company’s matching
contributions will total, and the larger your retirement nest egg will
grow.

Within the plans, allocate most of your money to growth
vehicles such as stocks. Remember, you can borrow against your
retirement savings if necessary, so don’t consider the money totally
out of reach until retirement.

Also, investigate the health insurance options your company offers
to determine which plan will cost you the least in premiums and
offer you the broadest coverage. Sign up for a flexible spending
account (FSA) if your company offers one and if you think that you
will have enough out-of-pocket health care or day care costs that
will not be covered by your regular insurance plan.

If you are self-employed or work for a small company that offers no
retirement plan, fund a traditional or Roth individual retirement
account (IRA), a Keogh, or another qualified plan. Within these
plans, invest most of your assets in growth stocks or mutual funds,
which offer maximum growth potential.

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You work hard for your money.
But do you maximize the money you earn?

Everyone’s Money Book shows you how to proceed confidently into
your future. In this completely revised and updated bestseller,
Jordan Goodman covers all of the options available for managing
your money wisely in friendly, easy-to-understand language

Packed with worksheets, step-by-step instructions, charts, graphs,
application forms, quizzes, and more than 6,000 resources to help
you turn concepts into actions, Everyone’s Money Book is the most
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