As we approach the end of another year, you'll notice a lot of "Review" type stories in the news and on the radio.  While you probably don't want to dwell on the past, it's always good to review, especially when it comes to your finances.

October is National Financial Planning Month. Regardless of your income level or net worth, you may benefit from taking time this month to invest in yourself and plan for your short-term and long-term financial goals.

If your company offers any type of investment or retirement program, it may be advantageous for you to at least look into and try to find a program that's right for you.  I once had an advisor tell me to always pay yourself first....then pay the rest of your bills.  At the time I didn't think much of it, but now that I'm closer to 60 than I am 50, it makes a lot of sense.

My wife and I have been fortunate over the years with almost all of our employers offering up some type of retirement or investment program.  We've had 401K plans that have offered everything from 0% match to 100% match.  My wife and I have been taking advantage of these plans since the early 1990's when they first became available.

It wasn't always easy.  Between getting married and eventually raising 4 kids, my wife and I struggled for many years.  But throughout those struggles, we both continued with our investment and retirement plans.  Now some 30 years later, the small amounts we invested at a young age have grown and will now benefit us as we approach our retirement years.

It's always good to review your short and long-term financial goals.  Check with your employer's HR department if you have questions about your options.  If your employee doesn't offer any kind of short or long-term investments you can get FREE investment advice HERE