Don’t Forget About Your Finances! Are You Creating New Year’s Resolutions?
3. Increase your 401(k) by 1%. The money you take out of your paycheck to put into your 401(k) is added before income taxes are applied. This reduces your taxable income, which can lower your tax bill. To boost your 401(k) plan, look at what percentage of your paycheck goes toward your 401(k). Most accounts often have 3% going towards their plan. Attempt to increase this percentage by 1% each year to maximize your savings. 4. Build your credit. Credit will help you in the future if you ever want to take out a loan for a new car, land, or house. One of the easiest ways to build credit is to use a credit card. If you make timely payments and pay your amount in full each month, your credit score will skyrocket. But there are other strategies you can implement, such as rent and utility payments, paying off existing loans, and more. If you or someone you know wants to improve their financial situation in 2023, please don’t hesitate to reach out to us. We will be happy to review your financial goals, suggest strategies, and help you boost your financial stability in the new year. We will be with you every step of the way!
As we quickly approach 2023, now is the time to make your New Year’s resolutions. While some might focus on diets, exercise, traveling, or other self-care goals, don’t forget to pay attention to your finances. The new year is a great time to give your finances a boost that will benefit you now and in the future. Here are four ways you can improve your finances in 2023. 1. Start a budget. Creating a budget will help you track your spending, analyze what expenses are necessary and what can be removed, pay bills on time, save more money, and improve your financial stability overall. So, take some time to look over your monthly expenses and create a budget that will help you reach your financial goals.
2. Check your tax withholdings. A withholding tax or tax retention is the portion of your wages that isn’t included
in your paycheck. This amount is sent to the federal, state, and local tax authorities. As you pay your taxes in a couple of months, you don’t want to be surprised by a specific tax. To avoid this, check your withholding amount by using the Tax Withholding Estimator on the IRS website.
Achieving financial security and success doesn’t always have an easy answer. Our team at Capital Advisory Group is dedicated to helping you protect your wealth, and while doing so, you may have the following questions: • What are the rules when investing in cryptocurrency? • Should I retire during a high inflationary period? • Which form of investing is best for me — active or passive? • What do I need to know if I’m retiring this year? If you are curious about any of the above questions, please call Capital Advisory Group today at (636) 394-5524! Have Questions? We Have Answers!
Ingredients What’s better than slow-roasted pork that’s caramelized on the outside and tender on the inside? Nothing! Enjoy this sweet and savory meal on cold winter nights. BEST PORK ROAST • 4 lbs pork shoulder/butt • Salt and pepper, to taste • 7 tbsp unsalted butter • 1/2 cup brown sugar • 1/4 cup cider vinegar • 4 garlic cloves, minced • 1/4 tsp salt • 1/4 tsp pepper
Directions
1. Preheat the oven to 320 F. 2. Season pork with salt and pepper and set aside. 3. In a saucepan over medium heat, add butter, sugar, vinegar, garlic, salt, and pepper. Stir to combine ingredients and wait for the sugar to melt completely. Remove from heat. 4. Line roasting pan with foil and then parchment paper. Place pork on top of the parchment. Pour half of the sauce over the pork, cover with foil, and bake for 1 hour and 15 minutes. 5. Remove from oven, remove foil, and flip pork onto the other side. Spoon the rest of the sauce
over the pork, and cook uncovered for 20 minutes or until the pork is golden brown.
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