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Automatic withdrawals have your HR take x amount and have it dumped in your 401. My firm has a dedicated financial advisor that comes in quarterly if we want a review things or make changes.
If that's not at option on your end, check with who ever does your taxes (please don't say H&R Block ... horror stories), typically they also do other financial stuff outside of tax season.
I do this already. I contribute 8% and my firm matches 4%. Tax professional is a great idea I’ll reach out to someone on that end. Thanks!
https://www.additudemag.com/?srsltid=AfmBOoqEaH8gPXvmA4iyHvQTRb9AlUJiMjxqpPWNeFlCIIT_322kDsLj
Same. I cannot get out of debt. Cant control impulse spending.
ADHD/ADD/ADUHD all of it sucks
The impulse spending is really the biggest problem. I manage my debt well and always end up paying it off just to end up in the same spot in a few years. It’s a horrible cycle
This makes me feel less terrible thank you
1. Pay yourself first. Automation saves us! 401k is already automated through work, max it out to meet the contribution limit. Set up recurring transfers into your savings account, and also recurring transfer into your brokerage. Also an automatic investment (index fund or ETF) from your brokerage every month/week. (Dollar cost averaging)
2. Use an app to track your networth! This has two purposes. One - the dopamine hit from seeing it increase! Two - you can track all savings/brokerage/retirement accounts, credit cards, debts, all in one place. That way, you'll never miss anything like fraudulent charges or new bank fees.
3. If you're addicted to social media, follow accounts like personalfinanceclub or savemycents. Being hit with good financial management content constantly helps you internalize good money habits!
4. Remind yourself that more stuff = more stuff to put away! This has really helped curb impulse purchases because (like all ADHDers) I dread putting stuff into its designated spot!
Wow # 4 is a great mindset. I hate putting away things. They pile up and I get overwhelmed
https://www.understood.org/
You also need to have a financial analyst and a professional who can help you excuse as well as bring your attention to great investment opportunities.
Should you need one , see my firm for more information..