105: The 5 Financial Accounts You Need to Have in 2025

Feb 17, 2025

Discover the essential financial accounts you need for a secure future by 2025. Learn the importance of high-yield savings as your financial safety net. Uncover strategies for maximizing retirement accounts like 401k and Roth IRA. Explore the significance of 529 plans for education savings and the burgeoning role of cryptocurrency in wealth-building. Get practical tips on micro-investing and transforming low-performing accounts for tax-free growth. This is your blueprint for financial success!

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ADVICE

Emergency Fund as Insurance

Prioritize a high-yield savings account as an emergency fund.
This fund, containing 3-6 months of expenses, acts as insurance against unexpected events.

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ADVICE

Emergency Fund, Not Investment

Treat your emergency fund as insurance, not an investment.
It protects your investments by preventing early withdrawals during emergencies.

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ADVICE

Retirement Account Prioritization

Maximize retirement contributions; start with 401(k) matching, then Roth IRA.
Continue contributing to your 401(k) if you have additional funds.

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The Essential Blueprint for Building Financial Accounts in 2025

01:53 • 3min

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Understanding High Yield Savings as Financial Insurance

04:33 • 2min

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Building Your Financial Future: The Importance of Retirement Accounts

06:05 • 3min

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Navigating Financial Accounts for Future Wealth

09:13 • 10min

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Essential Strategies for Financial Health and Investment

19:10 • 2min

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Simplifying Wealth Building: Q&A on Retirement Funds

20:45 • 3min

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Maximizing Investment Potential

23:59 • 7min

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Harnessing Micro-Investment Strategies for Financial Growth

31:14 • 4min

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In this week's episode of the Rich Habits Podcast, Robert and Austin give you the account-by-account blueprint for financial success in 2025.

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Disclosure:A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 2/17/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fee Schedule⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://public.com/disclosures/bond-account⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more.

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