Starting your financial journey as a young adult begins with building a budget and following Dave Ramsey’s Baby Steps—starting with a $1,000 emergency fund and progressing toward saving 15% for retirement. Use a money market fund for emergency savings and take advantage of employer retirement plans and Roth IRAs for long-term growth. The earlier you start, the better. For personalized help, connect with a Whitaker-Myers Wealth Managers financial advisor today.

An emergency fund is like a safety net, providing peace of mind during unforeseen circumstances. This money needs to be liquid and...

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If you are currently holding cash that is above the comfort of your emergency fund, you may be stuck in what is called “analysis...