Spring into action: Renew your financial journey with a fresh mindset and take steps to grow your financial health
Renew your financial journey with a fresh mindset and take steps to help grow your financial health.
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Grow
Save
Build
Spring clean your finances
Plant the seeds for future growth
Trim wisely, grow sustainably
Cultivate healthy financial habits
This material is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Please consult with your financial professional regarding your situation. For legal, accounting or tax advice consult the appropriate professional. Annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX or The United States Life Insurance Company in the City of New York (USL), New York, NY. Guarantees are backed by the claims-paying ability of the issuing insurance company and each company is responsible for the financial obligations of its products. Beginning January 1, 2026, USL will be Corebridge Financial’s sole authorized issuer of new annuities in New York. Securities and investment advisory services offered through VALIC Financial Advisors, Inc., member FINRA, VALIC Retirement Services Company provides retirement plan recordkeeping and related services and is the transfer agent for certain affiliated variable investment options. All companies above are wholly owned subsidiaries of Corebridge Financial, Inc. Corebridge Retirement Services, Corebridge Financial and Corebridge are marketing names used by these companies. Learn more about our affiliated companies: corebridgefinancial.com/names. © Corebridge Financial, Inc. All rights reserved. VC40683 (03/2025) 1615612 EE
Action today can lead to great things tomorrow. Action is everything.
SIPC and an SEC-registered investment adviser.
Time to declutter and refresh your finances
Click the icons to the right to see suggested best practices
Identify subscriptions or recurring costs that you no longer use or need, and either cancel them or switch to cheaper alternatives.
3. Cut or substitute unnecessary purchases:
Establish clear limits for non-essential categories, like dining out or entertainment, and review them regularly to make sure you’re staying on budget.
2. Set spending limits:
Track your spending to categorize expenses and identify patterns.
1. Use a budgeting worksheet:
Track your spending and adjust for unnecessary expenses
Look for opportunities to earn extra income and direct all additional earnings toward debt reduction.
3. Increase income streams:
Pay down debt by reviewing your budget and eliminating or reducing non-essential expenses like takeout or stopping by the coffee shop.
2. Cut unnecessary spending:
List all your debts, prioritize high-interest items like credit cards, and focus on paying them off first while making minimum payments on others.
1. Create a debt repayment plan:
Not all debt is bad, but bad debt can be really bad
Try a budget worksheet
See where you can shift spending so you can save more!
Action step: Review your budget
Review your budget
Ditch the debt
Update your savings goal
Read the article
Read about how to manage debt to your advantage.
Action steps: Ditch the debt
Visit the calculator
Use this calculator to see what it will take to pay off your credit card balance.
Make sure your goals reflect your current priorities and financial situation
Try out the calculator
What will it take to reach your savings goal? Use this calculator to help you find out.
Action step: Update your savings goal
Financial situations change all the time, so schedule periodic check-ins to make sure you’re still on the right track.
3. Revisit and adjust regularly:
Identify which goals are most important for right now and adjust your savings plan accordingly.
2. Factor in short-term and long-term goals:
Consider any major life changes like a new job, marriage or family growth that might shift your financial priorities.
1. Review life changes:
Start small, grow big. Your financial future begins today!
Set up automatic transfers to a separate emergency savings account to ensure consistency and minimize the temptation to spend.
3. Automate savings:
Begin with small, manageable contributions then gradually increase as needed.
2. Start small, build gradually:
Aim to save enough to cover 3-6 months’ worth of expenses.
1. Set a savings goal:
Having the cash to cover an emergency can potentially help reduce financial stress
As your income grows, gradually increase your contributions to keep up with inflation and future needs.
3. Increase contributions over time:
Set up automatic contributions to ensure consistent savings.
2. Contribute regularly:
The sooner you start, the more time your money has to grow through compound interest.
1. Start early:
Regular contributions, even small, add up over time.
Learn how to get started
Building an emergency fund might be more doable than you may think.
Action step: In case of an emergency
In case of an emergency
Contribute to retirement accounts
Invest time in learning
Enroll
Enroll in your workplace retirement plan. Already enrolled? Check the current contribution limits to see if you might be able to bump up your savings.
Action steps: Contribute to retirement accounts
Check contribution limits
Using resources can help you better understand finances
Corebridge Education Center
Boost your financial knowledge with valuable information in the Corebridge Education Center.
Action steps: Invest in learning
Financial education is a lifelong journey, so commit to continuous learning to adapt to new tools and strategies as life changes.
3. Stay curious and keep learning:
Apply your knowledge by setting up budgets and tracking your expenses.
2. Practice what you learn:
Financial education can help you make more financially responsible decisions.
1. Knowledge is power:
Take action by registering to attend an educational webinar.
Register for webinar
Cut unnecessary costs to create space for growth
Your financial situation may change, so review your savings every few months and adjust as necessary to stay on track.
3. Review and reevaluate regularly:
Break down spending into categories like groceries or entertainment and determine reasonable limits for each based on your income.
Set up automatic transfers to a savings account as soon as you receive your paycheck.
1. Pay yourself first:
Treat savings as a non-negotiable expense
When considering non-essential purchases, wait 24 hours to evaluate if it’s truly necessary.
3. Use the 24-hour rule:
Make a shopping list before heading out or browsing online.
2. Plan purchases ahead:
Know how much you can spend each month and stick to it.
1. Stick to your budget:
Combine awareness with thoughtful adjustments to your spending habits
Read how to set financial goals
It’s important to set clear financial goals so you have something to work toward.
Action step: Prioritize savings
Prioritize savings
Avoid impulse spending
Shop smarter, save more
Try budget worksheet
Action steps: Avoid impulse spending
Use the calculator
Simple habits might help you make more intentional financial decisions
Visit the Saving Center
Save more now for the life you want tomorrow with help from the Corebridge Saving Center.
Action step: Shop smarter, save more
Purchase seasonal items after their peak time for potentially more savings.
3. Buy off-season:
Earn points, cashback or discounts for future purchases.
2. Take advantage of reward programs:
Impulse buys can often be triggered by stress, boredom or sadness.
1. Avoid shopping when hungry or emotional:
Small additions to your savings can add up over time. Use this calculator to find out how this might work for you.
Nurture your money with consistent, small actions
You don't have to wait until you have a large amount to invest. Regular, smaller investments over time could add up.
3. Consistency is key:
Starting early allows your earmings to multiply and generate more earnings over time, creating a snowball effect that could boost your savings.
2. Leverage compound interest:
The earlier you start, the less you might need to save later to achieve the same goal.
1. Benefit of time:
Time is one of your biggest allies when it comes to saving
There will be ups and downs in the market, but staying committed to your long-term strategy is key to achieving your goals.
3. Maintain a long-term perspective:
Withdrawing money from your retirement accounts before the age of 59½ generally results in penalties and taxes.
2. Leave retirement funds alone:
The earlier and more consistently you save, the more comfortable your retirement could be.
1. Contribute regularly:
Avoid distractions and stay focused on your retirement saving habits
Calculate time vs savings
Find out how much postponing your savings plan can really cost.
Action step: Start saving early
Start saving early
Get retirement savvy
Ask a professional
Find out what it takes to work toward a secure retirement.
Action steps: Get retirement savvy
Visit Retirement Pathfinder
A financial professional is a valuable resource for help when you need it
Find out today
Discover how a financial professional can help you reach your money goals.
Action step: Ask a professional
Working with a professional can help you focus on what matters most.
3. Save time and stress:
Build a stronger financial future with tailored planning and support.
2. Help for the long-term:
Get personalized strategies to navigate financial decisions with confidence.
1. Expert guidance:
Retirement Pathfinder is a great tool to help you set goals, adjust strategies and model scenarios to help you take action for tomorrow.
Your Corebridge financial professional is ready to help you with your goals.
Schedule a time to meet
Your Corebridge financial professional is ready
to help you with your goals.
This material is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Please consult with your financial professional regarding your situation. For legal, accounting or tax advice consult the appropriate professional.
Annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX or The United States Life Insurance Company in the City of New York (USL), New York, NY. Guarantees are backed by the claims-paying ability of the issuing insurance company and each company is responsible for the financial obligations of its products. Beginning January 1, 2026, USL will be Corebridge Financial’s sole authorized issuer of new annuities in New York.
Securities and investment advisory services offered through VALIC Financial Advisors, Inc., member FINRA,
VALIC Retirement Services Company provides retirement plan recordkeeping and related services and is the transfer agent for certain affiliated variable investment options.
All companies above are wholly owned subsidiaries of Corebridge Financial, Inc.
Corebridge Retirement Services, Corebridge Financial and Corebridge are marketing names used by these companies. Learn more about our affiliated companies: corebridgefinancial.com/names.
© Corebridge Financial, Inc. All rights reserved.
VC40683 (03/2025) 1615612 EE
