Advocate Wealth Solutions - August 2025

The Smart Way to Save, Invest, and Stay on Track Put Your Finances on Autopilot

INVEST CONSISTENTLY, NOT EMOTIONALLY Investing can be nerve-wracking, especially when markets are volatile. Automating your investment contributions takes the emotion out of the process. Set up automatic transfers into your 401(k), IRA, or brokerage account. This steady, consistent approach, called dollar-cost averaging, helps you invest through market ups and downs and avoid the temptation to time the market. STAY AHEAD OF BILLS AND AVOID LATE FEES Missing a bill payment can cost you in interest charges, late fees, and even damage to your credit score. Automating payments for your mortgage, utilities, credit cards, and subscriptions ensures you stay on top of due dates. Just be sure to maintain a safety cushion in your checking account to avoid overdrafting your accounts.

BUILD A FINANCIAL FOUNDATION YOU CAN TRUST Remember, automation doesn’t mean you ignore your money. Instead, it’s a safety net that works in the background. Review your finances regularly to adjust for changes in income, expenses, or goals, but let the automation work for you in the background!

Managing your money shouldn’t be time- consuming or complicated. In fact, some of the smartest financial moves are the ones that happen without your even thinking about them. That’s where automation comes in. By setting up simple systems to handle your day-to-day finances, you can save time, reduce stress, and make progress toward your goals without constant effort. SAVE WITHOUT THINKING ABOUT IT One of the easiest and most effective ways to build wealth is to automate your savings. Set up recurring transfers from your checking account to a savings or high-yield savings account each payday. Whether you start with $25 or $250, that consistent contribution adds up over time. Because the transfer happens before you even see the money, you’re less likely to spend it.

LET YOUR MONEY WORK FOR YOU Automating your finances helps you save, invest, and easily manage your

responsibilities while freeing up your time and mental energy for the things that matter most. Set it, check in periodically, and enjoy the peace of mind that comes from knowing your money is moving in the right direction.

SUDOKU

SUMMER CHICKPEA SALAD

Inspired by HowSweetEats.com

INGREDIENTS

2 (15-oz) cans chickpeas, drained and rinsed 4 green onions, thinly sliced 2 ears grilled corn, kernels cut from the cob 1 pint cherry tomatoes, quartered 3 tbsp chopped fresh basil 2 tbsp chopped fresh chives

1/4 tsp salt

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1/4 tsp pepper 3 tbsp olive oil

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2 tbsp red wine vinegar

1 1/2 tbsp honey

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3 garlic cloves, minced or pressed

1 lime, zested and juiced

DIRECTIONS

1. In a large bowl, combine chickpeas, onions, corn, tomatoes, basil, and chives. 2. Toss well with salt and pepper and set aside. 3. In a small saucepan over low heat, add oil, vinegar, honey, garlic, lime juice, and zest. 4. Whisk until the mixture is warm and garlic begins sizzling. 5. Pour over the chickpea mixture and toss well to coat. 6. Cover with plastic wrap and refrigerate for at least 30 minutes before serving.

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