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waterfall?","2023-10-03T14:15:46.645Z","2024-11-27T11:03:24.822Z","2024-11-27T11:03:24.856Z",381789705,"60a67c07-8d02-46a9-b3a9-4104c22bfb2b",{"_uid":757,"body":758,"hero":1043,"author":1066,"sidebar":1090,"hide_cta":543,"metatags":1123,"component":1126,"subcategories":1127,"intro_paragraph":1130,"intro_subheading":12,"table_of_contents":558,"outgrow_calculator":1131},"c13c0440-66a4-4231-9193-2d3230499290",[759,864,867],{"_uid":760,"data":761,"component":863},"b07aa6b8-f8db-49e0-80c7-9cb3b1fb1f86",{"type":15,"content":762},[763,773,825,833,837,844],{"type":764,"attrs":765,"content":767},"heading",{"level":766},2,[768],{"text":769,"type":22,"marks":770},"Summary",[771],{"type":129,"attrs":772},{"color":12},{"type":774,"content":775},"bullet_list",[776,786,795,804],{"type":777,"content":778},"list_item",[779],{"type":18,"content":780},[781],{"text":782,"type":22,"marks":783},"A retirement savings waterfall is a financial planning technique that allows you to prioritize your financial goals ahead of retiring.",[784],{"type":129,"attrs":785},{"color":12},{"type":777,"content":787},[788],{"type":18,"content":789},[790],{"text":791,"type":22,"marks":792},"It should help you make the most of your savings and investments.",[793],{"type":129,"attrs":794},{"color":12},{"type":777,"content":796},[797],{"type":18,"content":798},[799],{"text":800,"type":22,"marks":801},"Each person's ‘waterfall’ will look different depending on their unique goals and circumstances.",[802],{"type":129,"attrs":803},{"color":12},{"type":777,"content":805},[806],{"type":18,"content":807},[808,813,820],{"text":809,"type":22,"marks":810},"Speak to a ",[811],{"type":129,"attrs":812},{"color":12},{"text":814,"type":22,"marks":815},"financial advisor",[816,818],{"type":31,"attrs":817},{"href":55,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":819},{"color":12},{"text":821,"type":22,"marks":822}," about getting ready for retirement.",[823],{"type":129,"attrs":824},{"color":12},{"type":764,"attrs":826,"content":827},{"level":766},[828],{"text":829,"type":22,"marks":830},"What is a retirement savings waterfall?",[831],{"type":129,"attrs":832},{"color":34},{"type":18,"content":834},[835],{"text":836,"type":22},"A retirement savings waterfall is a financial planning technique that allows you to prioritize different financial goals by allocating money into various ‘buckets’ based on your goals and timescale.",{"type":18,"content":838},[839],{"text":840,"type":22,"marks":841},"Originating in the US, a savings waterfall should help you prioritize your savings and allocate your money toward hitting your financial goals.   ",[842],{"type":129,"attrs":843},{"color":34},{"type":18,"content":845},[846,851,858],{"text":847,"type":22,"marks":848},"If you need help getting ready for retirement and don’t know where to start, we can connect you to a financial advisor perfectly suited to meet your needs and help you plan the perfect retirement. ",[849],{"type":129,"attrs":850},{"color":12},{"text":852,"type":22,"marks":853},"Find out more here",[854,856],{"type":31,"attrs":855},{"href":55,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":857},{"color":12},{"text":859,"type":22,"marks":860},".",[861],{"type":129,"attrs":862},{"color":12},"article-rich-text",{"_uid":865,"component":866,"apply_margin_top":543,"apply_margin_bottom":543},"67b30e70-8fbd-4897-9b99-0b8c04f0809b","app-match-flow",{"_uid":868,"data":869,"component":863},"343389b0-9609-4846-9374-b4ec621ffba2",{"type":15,"content":870},[871,880,884,888,896,900,904,911,915,927,933,945,949,953,960,964,968,975,979,991,995,1002,1014,1018,1022,1026,1042],{"type":764,"attrs":872,"content":873},{"level":766},[874,878],{"text":875,"type":22,"marks":876},"How do I create a savings waterfall",[877],{"type":38},{"text":879,"type":22},"?",{"type":18,"content":881},[882],{"text":883,"type":22},"How your ideal ‘waterfall’ will look depends on your financial goals and personal circumstances.  ",{"type":18,"content":885},[886],{"text":887,"type":22},"The below tips should help you make the most of your savings and investments.  ",{"type":18,"content":889},[890,894],{"text":891,"type":22,"marks":892},"1. Create an emergency fund",[893],{"type":38},{"text":895,"type":22},"  ",{"type":18,"content":897},[898],{"text":899,"type":22},"The priority in a savings waterfall is typically to establish an emergency fund. This fund should cover unexpected expenses or financial emergencies, such as medical bills or unemployment.  ",{"type":18,"content":901},[902],{"text":903,"type":22},"It is recommended that you save three to six months' worth of living expenses in an easy-to-access account. ",{"type":18,"content":905},[906,910],{"text":907,"type":22,"marks":908},"2. Pay off your debts",[909],{"type":38},{"text":895,"type":22},{"type":18,"content":912},[913],{"text":914,"type":22},"Your debt is the hole in the bucket, as interest on your borrowing is likely to be greater than the interest from any savings and investments. ",{"type":18,"content":916},[917,919,925],{"text":918,"type":22},"It’s not worth putting your money in a savings account with 4 percent interest if your debt has a 7 percent interest rate. In this scenario, ",{"text":920,"type":22,"marks":921},"paying off your debt",[922],{"type":31,"attrs":923},{"href":924,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/budgeting-savings/how-can-i-get-out-of-debt",{"text":926,"type":22}," first is a good idea.  ",{"type":18,"content":928},[929],{"text":930,"type":22,"marks":931},"3. Establish short-term financial goals  ",[932],{"type":38},{"type":18,"content":934},[935,937,943],{"text":936,"type":22},"Once you have established your emergency fund and paid off your debt, the next step is to save for ",{"text":938,"type":22,"marks":939},"short-term goals ",[940],{"type":31,"attrs":941},{"href":942,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/budgeting-savings/how-to-save-money-for-short-and-long-term-goals",{"text":944,"type":22},"that you plan to achieve within the next one to three years. ",{"type":18,"content":946},[947],{"text":948,"type":22},"These goals might include saving for a holiday, purchasing a new car, or even making a down payment on a house. ",{"type":18,"content":950},[951],{"text":952,"type":22},"It’s worth considering putting money into a separate savings account or investments that match the timescale and risk tolerance for these goals. ",{"type":18,"content":954},[955,959],{"text":956,"type":22,"marks":957},"4. Set medium-term goals",[958],{"type":38},{"text":895,"type":22},{"type":18,"content":961},[962],{"text":963,"type":22},"After addressing your short-term goals, you can focus on saving for the medium-term goals you plan to achieve in three to 10 years. ",{"type":18,"content":965},[966],{"text":967,"type":22},"These goals may include saving for a wedding, home renovations, or funds to start a business.  ",{"type":18,"content":969},[970,974],{"text":971,"type":22,"marks":972},"5. Plan ahead for long-term goals",[973],{"type":38},{"text":895,"type":22},{"type":18,"content":976},[977],{"text":978,"type":22},"The next step in the savings waterfall is to allocate funds towards long-term goals, such as retirement savings. ",{"type":18,"content":980},[981,983,989],{"text":982,"type":22},"Contributing regularly to any retirement fund, such as a ",{"text":984,"type":22,"marks":985},"401(k)",[986],{"type":31,"attrs":987},{"href":988,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/what-is-a-401k-and-how-does-it-work",{"text":990,"type":22},", is important to ensure long-term financial security. ",{"type":18,"content":992},[993],{"text":994,"type":22},"You should take advantage of any matching contributions from your employer or tax advantages available with retirement accounts.  ",{"type":18,"content":996},[997,1001],{"text":998,"type":22,"marks":999},"6. Make additional investments",[1000],{"type":38},{"text":895,"type":22},{"type":18,"content":1003},[1004,1006,1012],{"text":1005,"type":22},"Once you’ve set up your emergency fund and set aside money for any short, medium, and long-term goals, you may want to put additional savings towards other ",{"text":1007,"type":22,"marks":1008},"investment ",[1009],{"type":31,"attrs":1010},{"href":1011,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/how-to-make-an-investment-plan-that-works-for-you",{"text":1013,"type":22},"opportunities.  ",{"type":18,"content":1015},[1016],{"text":1017,"type":22},"This may include investing in stocks and shares, bonds, property, or other asset classes based on your risk tolerance and investment preferences.  ",{"type":18,"content":1019},[1020],{"text":1021,"type":22},"By using a savings waterfall, you can prioritize your savings goals and ensure that you allocate your funds in a way that aligns with your financial goals.",{"type":18,"content":1023},[1024],{"text":1025,"type":22},"It's also important to regularly review and adjust your savings strategy, as your goals and circumstances may evolve over time.  ",{"type":18,"content":1027},[1028,1032,1038],{"text":1029,"type":22,"marks":1030},"Unbiased can ",[1031],{"type":38},{"text":1033,"type":22,"marks":1034},"match you with the right financial advisor ",[1035,1037],{"type":31,"attrs":1036},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},{"type":38},{"text":1039,"type":22,"marks":1040},"that’ll look at your personal circumstances and financial goals to help you make the most out of your money.",[1041],{"type":38},{"type":18},[1044],{"_uid":1045,"image":1046,"title":1053,"component":1065,"breadcrumbs":543},"46f63885-c28b-4e58-bf8d-83100e10581b",{"id":1047,"alt":1048,"name":12,"focus":12,"title":1049,"source":12,"filename":1050,"copyright":12,"fieldtype":1051,"meta_data":1052,"is_external_url":543},11644336,"A glass jar full of coins with grass growing at the top of it","Retirement savings waterfall","https://a.storyblok.com/f/185166/900x450/f987745d8f/retirement-savings-waterfall.webp","asset",{},{"type":15,"content":1054},[1055],{"type":18,"content":1056},[1057,1059],{"text":1058,"type":22},"What is the ",{"text":1060,"type":22,"marks":1061},"retirement savings waterfall?",[1062],{"type":25,"attrs":1063},{"class":1064},"primary-gradient","app-hero",{"name":1067,"created_at":1068,"published_at":1069,"updated_at":1070,"id":1071,"uuid":1072,"content":1073,"slug":1082,"full_slug":1083,"sort_by_date":34,"position":1084,"tag_list":1085,"is_startpage":543,"parent_id":1086,"meta_data":34,"group_id":1087,"first_published_at":1088,"release_id":34,"lang":730,"path":34,"alternates":1089,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Lisa-Marie Voneshen","2023-06-15T15:52:20.509Z","2025-01-16T09:32:39.804Z","2025-01-16T09:32:39.823Z",325664164,"f49ad739-325e-4708-8f12-1ef845dae272",{"job":1074,"_uid":1075,"name":1067,"image":1076,"component":1080,"education":12,"expertise":12,"description":1081},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1077,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1078,"copyright":12,"fieldtype":1051,"meta_data":1079,"is_external_url":543},9871152,"https://a.storyblok.com/f/185166/4977x4225/28d0696088/lisa-marie-voneshen.jpg",{},"article-author","Lisa-Marie Voneshen is a Senior Content Writer at Unbiased and has previously written for loveMONEY and Shares Magazine. She is an award-winning journalist with around a decade of experience writing and editing content across various areas, including personal finance and investing.","lisa-marie-voneshen","authors/lisa-marie-voneshen",-10,[],224651374,"5495fea7-b5e3-4edc-823d-8a27f54f6309","2023-04-03T07:50:42.397Z",[],[1091,1106],{"_uid":1092,"list":1093,"cta_link":1094,"cta_text":1095,"component":1096,"window_label":12,"window_title":1097},"bfd1eaa0-15c1-4753-b151-447f58c5fb58","We’ll match you with a financial advisor who will help you build your retirement plan. ","https://v2.unbiased.com/inquiry/financial-advisor?","Find a financial advisor ","app-banner",{"type":15,"content":1098},[1099],{"type":18,"content":1100},[1101],{"text":1102,"type":22,"marks":1103},"Planning your retirement?",[1104],{"type":129,"attrs":1105},{"color":131},{"_uid":1107,"body":1108,"title":1121,"component":1122},"39598f69-da4d-432f-8c25-60e673e8182e",[1109,1113,1117],{"_uid":1110,"href":1111,"text":1112,"component":542,"openInNewWindow":558},"ecc5c342-9ac4-4cdc-9108-775748e5e7f0","https://www.unbiased.com/discover/retirement-investing/how-will-inflation-impact-my-retirement-savings","Inflation & retirement savings",{"_uid":1114,"href":1115,"text":1116,"component":542,"openInNewWindow":558},"af7554b0-be94-4101-893c-8e269bdefcc0","https://www.unbiased.com/discover/retirement-investing/increase-retirement-savings","Increase retirement savings",{"_uid":1118,"href":1119,"text":1120,"component":542,"openInNewWindow":558},"484df78e-19c6-4094-8998-0604017ff587","https://www.unbiased.com/discover/retirement-investing/average-retirement-savings","Average retirement savings","Related to this article","app-links-list",{"title":750,"plugin":1124,"og_image":12,"og_title":12,"description":1125,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"seo_metatags","The retirement savings waterfall is a financial planning technique that allows you to prioritize different financial goals. Learn more about the technique here.","app-article",[1128,1129],"2e2a39e5-4f86-4f45-8ad7-3d257c361ad2","88ac87ae-35cf-4550-b72e-e36d7d8a3fb3","This article takes you through exactly what a retirement savings waterfall is and how you can use it to plan your retirement. ",[],"what-is-the-retirement-savings-waterfall","discover/investing/what-is-the-retirement-savings-waterfall",650,[],365491304,"ab3be91f-ea53-46ec-b932-6ed5e9818687","2023-06-19T14:53:59.347Z",[],{"left":727,"top":727,"width":1141,"height":1141,"rotate":727,"vFlip":543,"hFlip":543,"body":1142},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1144,1147,1148],{"title":1145,"exact":558,"href":1146},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1149,"disabled":558},"/discover/investing/what-is-the-retirement-savings-waterfall",1775291908272]