personal

The portion of income not spent on consumption (the purchase of goods and services)

• savings

• pay yourself first

• emergency fund

• smart goals

surplus income should go to yourself

• pay yourself first

• emergency fund

• smart goals

• savings vehicles

to set aside funds

• emergency fund

• smart goals

• saving vehicles

• savings account

specific, measurable, attainable, realistic, and time bound

• smart goals

• saving vehicles

• savings account

• money market savings account

to set aside money

• savings vehicles

• savings account

• money market savings account

• certificate of deposit

with lower interest rates

• savings account

• money market savings account

• certificate of deposit

• savings

high minimum balances

• money market savings account

• certificate of deposit

• savings

• pay yourself first

to earn interest

• certificate of deposit

• savings

• pay yourself first

• emergency fund