YOUTHFUL YEARS, WISER WEALTH
Of all the myths surrounding money, the most prevalent (and potentially most devastating) is the false notion that retirement planning is an older person’s game. In reality, people should plan for their financial futures as soon as they start earning money. Here are two important points to share with the new or young workers in your life to help them gain a better understanding of how their actions today could significantly impact their happiness and success tomorrow. There’s no such thing as starting too soon. Remember when we were kids, and the thought of reaching our 60s seemed too far into the future to comprehend? The reality is that retirement will arrive for young people sooner than they think. Even if a teenager has just begun their first- ever job, they should consider saving at least 15% of their net income and make that figure the minimum benchmark in years to come. Industry analysts suggest that most people should begin saving for retirement by the time they’re 25. If someone starts saving later in life, they should consider contributing more than 15% as soon as possible, even if they need to start with smaller amounts and gradually increase their savings over time. Credit cards aren’t always costly. While the buy now, pay later allure of credit cards can lead to financial hurdles for adults of any age, it may still be worthwhile to encourage younger people to use them. Building a good credit score increases the chances of getting a mortgage, purchasing a car, or being approved for a rental apartment. Additionally, because many companies offer rewards programs, a credit card can provide valuable additional funds that can be used for emergencies, travel, essential purchases, and even investments. However, these incentives lose their luster if a cardholder ends up making high-interest purchases on their card beyond their means and suddenly can’t pay off their balances each month. Credit cards are only practical tools if used responsibly. Retirement Principles for Young Professionals
TAKE A BREAK
DIRECTIONS 1. Pat chicken dry and season both sides with salt and pepper. 2. In a skillet over medium-high heat, heat olive oil. 3. Sear chicken for 2–3 minutes on each side until golden. 4. In a small bowl, mix hot honey and minced garlic to create a glaze. 5. Place the seared chicken in a baking dish. Pour the hot honey mixture over top. 6. Sprinkle chicken with crumbled feta, then rosemary or thyme. 7. Bake at 400 F for 20–25 minutes, or until internal temperature reaches 165 F. 8. Optional: Broil for 1–2 minutes for extra caramelization. 9. Let rest for 5 minutes. Garnish with lemon juice and extra herbs before serving. HOT HONEY- INFUSED FETA CHICKEN
INGREDIENTS • 2 large boneless skinless chicken breasts • 1 tsp salt • 1/2 tsp black pepper • 1 tbsp olive oil • 3 tbsp hot honey • 2 cloves garlic, minced • 3 tbsp crumbled feta cheese • 2 tsp fresh rosemary chopped (or thyme) • 1 tbsp lemon juice (optional)
Inspired by LadySavor.com
PATRIOT WEALTH | 919.322.4113 | P3
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