14Building Your Assets

You know about how much to put aside each month, but where do you put it? The financial advisors and others in your financial support network will give you specialized guidance to answer this question. To get your conversations going and keep them productive, there are some basics to keep in mind.

Ideally, the bare bones of your financial portfolio should be

1 An emergency fund—a "comfort" fund equivalent to three or more months of expenses kept in a short-term, accessible savings account.

2 Retirement assets.

4 Your investment portfolio.

4 Your home.

The mix depends on your individual goals. Once you define your goals, you have an idea of not only what they are, but how much they will cost. Are you saving for retirement, ...

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