Participant Insights

Portfolio rebalancing, how to budget your money, what’s an HSA and who needs one? Preparing for retirement is hard. From personal finance basics to retirement planning and everything in between, we’ve got a few ideas to make life a little simpler. Contact MCF with any questions.

Financial Wellness

Creating a Savings Budget that works for you?

January 6, 2026 Savings

Setting and maintaining a personal budget has never been more important. With inflation driving up the cost of housing, groceries, and everyday essentials, many households are finding it harder to maintain the lifestyle they once had. A realistic budget helps you stay in control and plan for both today and the future. When creating a realistic budget, try to stick to the 50/30/20 Rule. 50% of total monthly income to be spent on essential expenses, 30% allocated to discretionary expenses, and 20% dedicated to savings.

6 Steps to Regain Control Over Financial Stress

August 25, 2025 Savings

6 Effective Ways to Manage Financial Stress Feeling overwhelmed by finances? You’re not alone. Financial stress can impact your emotional well-being, physical health, and relationships. Here are six practical strategies to help you manage financial stress and regain peace of mind.

Saving in Your 20s, 30s, 40s, and Up...What Changes?

July 6, 2025 Savings

No matter how old you are, it’s never too early (or late) to save money for retirement. Each decade comes with different goals, investment types, and risk factors, but understanding the differences can help you be prepared for when your retirement comes around.

The “Clicking” Concept: Americans Struggle to Save for Retirement

February 1, 2025 Savings

Many Americans are finding it increasingly difficult to save for their futures. This challenge is often encapsulated by the term “clicking,” a concept that represents the ongoing process of managing daily expenses in a way that stretches a paycheck as far as possible. After covering essential costs—such as groceries, mortgage payments, childcare, and unexpected bills—there can be little left for savings. Click.… Click.… Click!

Navigating Health Savings: Your HSA Guide

May 21, 2024 Savings

Health savings accounts (HSAs) have surged in popularity over the years. You may have encountered them, possibly as part of the benefits offered by your workplace. This article attempts to answer frequently asked questions about HSAs.

Creating A Savings Budget

December 28, 2023 Savings

With monthly expenses increasing due to the rise of inflation, and lavish lifestyles expanding rapidly in the heat of digital consumerism, how do we make a personal budget and stick to it? Read more to discover tips on creating a realistic spending and savings plan, in order to help you reach your financial goals.