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What Keeps You Up At Night?
We all have things that keep us up at night, situations that prevent us from getting those 8 hours of sleep or the circumstances out of our control that now cost us our shuteye.
For many, especially women, we think a lot about the things that keep us up at night are financially related. What if you could create a plan, a strategy or a solution so these financial worries didn’t keep you up at night? Check any of the items below that give you pause, worry or stress. Then rate these items on a scale of 1 – 10.
RETIREMENT: Women tend to live longer than men which means women need to try to fully fund retirement savings to meet lifestyle and healthcare expenses.
- How could leaving the workforce to start a family impact my retirement savings?
 - Am I saving enough for retirement?
 - What should I do with my employer retirement plan?
 - What are my retirement investment options?
 - How do I create retirement income?
 - Will my money last through retirement?
 - What should I consider before claiming social security?
 - Since I am retiring soon, what do I need to do now?
 - Do I need long-term care insurance?
 
Rating Scale
1 2 3 4 5 6 7 8 9 10
Education Planning: Whether you decide to back to school or you need to pay for a child’s tuition, plan early for both!
- How much should I save for child’s education or mine should I choose to go back to school?
 - What is the average college tuition inflation rate?
 - Will my child or I qualify for financial aid? Where do I start?
 - What are my college savings options?
 - What if one of my children decides not to pursue higher education, what happens to the savings?
 
Rating Scale
1 2 3 4 5 6 7 8 9 10
Life Events: Sometimes life gives us lemons; let’s make lemonade instead of ignoring the lemons we have been given.
- How do we manage our finances together after getting married?
 - What happens to my 401(k) when I change jobs?
 - How I plan for fertility treatment or adoption cost?
 - What are my options if I lose my job?
 - I am getting divorced – now what?
 - I am getting divorced. What happens to my assets?
 - My husband recently passed away, now what?
 - How do I help my recent graduate transition into the next phase of their life?
 - Should I pay off my house?
 - I need a new car; do I finance it or pay for it in cash?
 - I recently married, do I need life insurance?
 - How much money should I have in liquid savings or an emergency fund?
 
Rating Scale
1 2 3 4 5 6 7 8 9 10
Now take the next step: let’s get together and talk about the things keeping you up at night! Email: mdstephens@royalaa.com or 615.369.1611
Let’s talk soon!
Maleah