Blue Cross® Virtual Well-Being
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Paying
Yourself First
Presented by: Jeff Rubleski, MBA, CFP ®
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
The information in this presentation is intended only as
an educational tool and for general informational
purposes. It is not intended to, nor shall it, constitute
specific financial advice or services. You should seek
the advice of your own financial consultant or other
expert consultants regarding your individual financial
wellness condition and what steps could possibly be
taken to improve it.
Blue Cross® Virtual Well-Being
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“The biggest financial mistakes I’ve made as an adult have
happened when I’ve failed to follow my own advice.”
— Jeff Rubleski, MBA, CFP®
The webinar will begin shortly.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
“I never want money to dictate what I can and can’t do in life.”
— Jessica Moorhouse
The webinar will begin shortly.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
The webinar will begin momentarily.
Please stand by …
• If you have a question or want to respond to the presenter, click the raised hand icon.
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Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Blue Cross® Virtual Well-Being
Welcome to Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
The session will begin at 12 p.m.
This is an interactive
session.
Minimize distractions.
There will be a Q&A at the end
of the session.
“The journey of a thousand miles must begin with a single
step.”
— Lao Tzu
The webinar will begin shortly.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Blue Cross® Virtual Well-Being
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“A budget is people telling their money where to go instead of
wondering where it went.”
— Dave Ramsey
The webinar will begin shortly.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Blue Cross® Virtual Well-Being
8
Paying
Yourself First
Presented by: Jeff Rubleski, MBA, CFP ®
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
The information in this presentation is intended only as
an educational tool and for general informational
purposes. It is not intended to, nor shall it, constitute
specific financial advice or services. You should seek
the advice of your own financial consultant or other
expert consultants regarding your individual financial
wellness condition and what steps could possibly be
taken to improve it.
Navigating Personal Challenges, Part 1
• June 13, 2019
• 12 to 12:20 p.m.
Mark your calendar
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations
and independent licensees of the Blue Cross and Blue Shield Association. 10
Join us for our next weekly meditation
session on your computer or mobile device.
Topic: Visualization Meditation
Wednesday, June 12, 2019
8 to 8:10 a.m. Eastern time
Register today.
Paying Yourself First
Today’s
Presenter
Jeff Rubleski, MBA, CFP®
Director, Sales Strategy
Blue Cross Blue Shield of
Michigan
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Why Paying Yourself
First is Important
Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Short-term goals:
Creating an emergency fund
Payment toward rent, insurance, student loans
Credit card debt payments
Vacations or travel
Minor repairs and home improvements
Long-term goals:
Retirement fund
Mortgage payments
Saving for children’s tuition
Purchasing a vehicle
Saving for a down payment
Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Tips on how to start paying yourself first
Create a monthly budget. Determine your monthly income vs. expenses.
Set a goal for how much you’d like to pay yourself each pay period. Having a monthly budget will help you to estimate how much you can set aside.
Find out if your employer will allow you to devote your goal amount to a separate bank account through payroll deduction.
Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Automatic contributions
If you choose a health insurance plan that qualifies for an health savings account, consider funding this account through payroll deduction to save on income taxes and build savings to pay for qualified medical expenses.
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If your employer offers a retirement benefit, find out if there is an employer match. Most employers will offer some type of a matching contribution only if you contribute.
Invest for the long-run by choosing investments that will deliver long-term growth. Don’t focus on the daily financial market changes.
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Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
What can Blue Cross do to help?
01
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Download our free mobile app for use on your cell phone by entering Blue Cross Blue Shield of Michigan in your app store.
Go to bcbsm.com and review the money saving health products and services offered through Blue365®. You’ll find member savings on in-demand services such as gym memberships, weight loss programs and more.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Next session:Navigating Personal Challenges,
Part 1
Date: June 13, 2019
Time: 12 to 12:20 p.m.
Keeping life’s basics in mind helps us steer in the right direction even when the going gets tough. Guest speaker Alejandra Juarez from New Directions Behavioral Health helps you reflect on how personal strengths and resilience aid in navigating tough times.
Paying Yourself First
Questions?
Paying Yourself First
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.