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Saving

Saving articles from the Planned team.

Saving
Matt SchubergMatt Schuberg, CFP®

Should I Save for a House or Invest? (A Timeline Rule)

Should you save for a house or invest? If you buy within three years, keep it in cash. Five or more years out, invest. See the real math and the in-between.

·6 min read
Saving
Matt SchubergMatt Schuberg, CFP®

High-Yield Savings vs Money Market Account: How to Pick

High-yield savings vs money market account: both are FDIC insured, and the account's actual rate matters far more than the label. Here's how to pick one.

·8 min read
Saving
Matt SchubergMatt Schuberg, CFP®

Should You Save or Invest Your Bonus? Use This Order

Save or invest your bonus? Clear debt over 7%, fill your emergency fund, and get the full 401(k) match first. Then save what you need soon and invest the rest.

·9 min read
Saving
Matt SchubergMatt Schuberg, CFP®

Sinking Funds vs Emergency Fund: What Goes Where

Emergency fund vs sinking fund: fund a small starter emergency fund first, then run both at once. Here's which expenses go where, with real dollar numbers.

·8 min read
Saving
Matt SchubergMatt Schuberg, CFP®

The Role of Financial Habits in Saving: Your Guide

Financial habits drive saving more than income or willpower. Here are the four that do the most work, with real paycheck numbers and a plan for tight months.

·8 min read
Currencies and finance. Stock exchange. Calculator on the tableSaving
Matt SchubergMatt Schuberg, CFP®

Am I Saving Enough at 28? Here's How to Know

Wondering if you're saving enough at 28? Here's how to benchmark your savings rate, retirement progress, and emergency fund against realistic targets.

·8 min read
a glass jar filled with coins and a plantSaving
Matt SchubergMatt Schuberg, CFP®

Why You Need an Emergency Fund (and How Much)

An emergency fund is your financial safety net. Learn exactly how much you need, where to keep it, and how to build one even on a tight budget.

·7 min read