Establish your financial independence 


Your 20s are about establishing a foundation as you gain financial independence. 

Set a budget that balances your needs, wants and wishes. Create a plan to pay off debt and stick to it. 

Begin building your credit. 

Start an emergency fund of up to three months of living expenses. 


Set a course for your financial future 


It’s never too early to start saving for retirement or get started investing. 

Joining an employer-sponsored retirement plan now can reap rewards down the line. 

If you make a career change, roll over your 401(k) or IRA. 


Learn what insurance you need in your 20s 


Making sure you’re covered by insurance is an important part of your financial foundation. 

The first step is to learn about the different types, from employer-based health insurance to disability insurance.  


Boost your financial well-being  


Start your journey toward financial health by setting goals, tracking your spending and assessing the assets you already have. 

Here’s a 30-day checklist to start building these habits.