Steps to get organized

Start with a budget. The first step in getting yourself on track is to get your finances organized. Use our calculator to understand how much in coming in every month and what you are allocating towards your needs, wants and savings.

Make adjustments. Look for ways to refine your budget and save more.

Establish an emergency fund. Emergencies can strike at anytime, so it's best to be prepared. An emergency fund can help you stay on track when life hands you a few surprises.

Understand the impact of loans and withdrawals. If you're facing an emergency, it's important to understand your options. Taking a loan or withdrawal from your retirement savings plan may seem like an easy choice, but there can be long-term consequences.

Understand your debt. Learn how to make a plan to get your debt under control and work towards eliminating it altogether.

Know your score. Your credit score is an important component of your finances. Check out our tips for how to improve.

Even small adjustments can make a big difference in your future income in retirement. Here's a few considerations:

Start today. The earlier you start the more your savings may grow over time thanks to the power of compounding. Learn more about how this works to help improve your financial outcome.

Maximize your match. If your employer offers matching contributions, be sure you are saving enough to take advantage of this great benefit.

Check your progress. Check out myOrangeMoney to see how much you'll need in retirement and whether you're on track.