It’s Now Or Never

Getting fiscally caught up is imperative

as $25 a month. A total return fund may not have as much upside potential as a growth fund. However, it should have less risk.

TO-DO LIST
Consider changing your asset allocation to less risky investments to protect your portfolio

Set up a rainy day fund in addition to your investment portfolio, with about six months’ living expenses, in case you fall ill or lose your job
If you’re a late bloomer, write down three financial goals and determine how you’ll reach them

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