This is part of a sponsored collaboration with Prudential and DiMe Media. However, all opinions expressed are my own.
Growing up as a Latina, my family’s main lesson was to work hard and save, save, save. We hardly ever spent any money on luxuries. Our travels consisted of driving to Mexico and visiting my grandparents. I think my parents had the right idea about saving, but what they never taught me was investing in my future.
My Motivation - Mi Familia |
What motivates me to continue striving for the best future? The answer is simple - my family, especially my girls. They are my life. I never thought motherhood could change me, but it did. I can’t make a big decision without first contemplating how it could affect them. I want to be able to be a good role model, both morally and financially.
My baby girl |
College isn't too far away for this one - they grow up so fast |
This is where speaking to these ladies, which included entrepreneur Michelle Williams from Destiny’s Child came into play. One of the guests said she didn’t know that you could meet with a financial planner if you didn’t have any money, and I bet that rings true for so many of us. A financial planner is there to help you plan, not just for what you have, but what you could have. As a mom and wife I need to think about my future. This includes college for my girls and retirement. Along with investments we also spoke about wills and estates. I know firsthand that things can get messy between family members if there is no will, even if the deceased believes they have nothing to leave behind. When I turned 30 and was pregnant, an estate is something my husband and I had spoken about. But here we are 5 years later, and we have yet to set one up. This is definitely on my “to do” list NOW. Trying to balance my career, children, and husband can be stressful and overwhelming. And sometimes the hardest part is just finding the time to say yes, I need help. Prudential provided us with some great tips to get motivated.
Have you started planning for retirement or set up any college funds? Online offers so much information that at times it can be overwhelming. You shouldn’t be afraid to talk about your future, and speaking to someone with knowledge can be a comfort in your decision process. Don't wait.
Here's a fun quiz to find out if you're a procrastinator...well we probably all are a little. Actually, there are at least six distinct styles of procrastinators. Find out why and how you can help yourself in the long run - The Procrastination Personality Test
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