<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:media="http://search.yahoo.com/mrss/" xmlns:post="http://www.twentyoverten.com"><channel><title><![CDATA[MCF]]></title><description><![CDATA[MCF]]></description><link>https://mcfadvisors.com</link><generator>RSS for Node</generator><lastBuildDate>Fri, 31 Jul 2026 15:56:42 GMT</lastBuildDate><atom:link href="https://mcfadvisors.com/retirement-plan-participants/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[How to Fit Your Student Loan Payments Back in Your Budget ]]></title><description><![CDATA[After a multi-year pause during the pandemic, federal student loan payments resumed in October 2023. For many borrowers, this meant reintroducing a significant monthly expense. Even a few years later, those payments may still be putting pressure on your budget. Here are some practical steps you can take to regain control.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-to-fit-your-student-loan-payments-back-in-your-budget2026</link><guid isPermaLink="false">699dc70dea2e71a3d6b7ae08</guid><category><![CDATA[Savings]]></category><pubDate>Sat, 28 Feb 2026 02:00:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/8JHPIsxcqg7c/try-this.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[You Can Now Save More in Your 401(k). See Why That Matters]]></title><description><![CDATA[Most people don’t look forward to annual IRS announcements the same way they do the next season of their favorite Netflix show, but this one’s worth a look. Higher retirement plan contribution limits have been announced for 2026, and even a modest bump in your savings rate can make a big difference down the road.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/you-can-now-save-more-in-your-401k-see-why-that-matters</link><guid isPermaLink="false">698a3c39bff94fe7c61c65e0</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 16 Feb 2026 06:14:34 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/r-v7tLYvYlmd/Screenshot-2026-02-09-151226.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The Retirement Summit: Reaching the Top with Small Increases]]></title><description><![CDATA[Saving for retirement doesn’t have to mean big sacrifices today. In fact, the real magic comes from small, steady increases over time. Think of it like climbing a mountain, you don’t leap to the summit; you take one step at a time. By gradually raising your contribution rate, you give compound growth more fuel to work with, and your retirement savings can grow significantly faster than if you stayed at the same level. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-retirement-summit-reaching-the-top-with-small-increases</link><guid isPermaLink="false">6977bf3a51c496acfc535190</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 03 Feb 2026 03:57:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/9iS8E7IyR0mD/mountain-climber-reaching-summit-challenging-peak-representing-strength_216520-58276.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Creating a Savings Budget that works for you?]]></title><description><![CDATA[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.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/creating-a-savings-budget-that-works-for-you</link><guid isPermaLink="false">6944ea0abbee3ce737baeaf6</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 06 Jan 2026 07:04:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Q2j512X1T6S/bcfp_budgeting-strategies_dollars-cents_1140x76original.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[6 Steps to Regain Control Over Financial Stress]]></title><description><![CDATA[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. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/6-steps-to-regain-control-over-financial-stress</link><guid isPermaLink="false">68acb99d194d58c2826ac21b</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 25 Aug 2025 07:37:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/bGy0FaEsNst/cropped/apr23-wi-financial-stress-1024x577.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Saving in Your 20s, 30s, 40s, and  Up...What Changes? ]]></title><description><![CDATA[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. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/saving-in-your-20s-30s-40s-and-up</link><guid isPermaLink="false">686d4b614a01b854ca3b19db</guid><category><![CDATA[Savings]]></category><pubDate>Sun, 06 Jul 2025 02:30:45 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/skjoHElWItC/cropped/kenny-eliason-maJDOJSmMoo-unsplash.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The “Clicking” Concept: Americans Struggle to Save for Retirement]]></title><description><![CDATA[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!]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-clicking-concept</link><guid isPermaLink="false">67a22465c4d9a404d7552992</guid><category><![CDATA[Savings]]></category><pubDate>Sat, 01 Feb 2025 08:47:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/zr_I1_gkE3m/cropped/AdobeStock_427619551.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Navigating Health Savings: Your HSA Guide]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/navigating-health-savings-your-hsa-guide</link><guid isPermaLink="false">664cd2c9e281472fa82b7c8f</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 21 May 2024 05:07:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_JvjqpvHBdq/cropped/AdobeStock_36011715.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Creating A Savings Budget]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/creating-a-savings-budget-2024</link><guid isPermaLink="false">65943a31573f0065d1b3a432</guid><category><![CDATA[Savings]]></category><pubDate>Thu, 28 Dec 2023 04:49:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YBBXrh4fDbS/cropped/AdobeStock_612628041.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Gobbling Up Good Financial Habits]]></title><description><![CDATA[Holidays are all about spreading cheer and giving, but sometimes people tend to go a bit overboard, which can later result in financial stress. According to a survey conducted by Country Financial, 32% of folks feel the most financial pressure during the holiday season. Here are some ways to practice good financial habits this holiday season, in order to reduce spending stress. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/gobbling-up-good-financial-habits</link><guid isPermaLink="false">655bc6001b1113c5fb359253</guid><category><![CDATA[Savings]]></category><category><![CDATA[Financial Wellness]]></category><pubDate>Thu, 16 Nov 2023 05:04:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/CnZlh7lXvX/cropped/AdobeStock_381329078.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[How Much is Enough?]]></title><description><![CDATA[There are many formulas for figuring out how much money you need to retire. While thinking seriously about retirement finances is useful, for most people, these formulas may not come close to what your retirement actually looks like. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-much-is-enough</link><guid isPermaLink="false">6491b1cd3fc977821bdc7c9d</guid><category><![CDATA[Savings]]></category><pubDate>Thu, 15 Jun 2023 07:04:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/38xDb_PqeBK/Picture1-2.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The Advantage of Saving Early]]></title><description><![CDATA[The amount of your total nest egg is exponentially influenced by the duration of time it has to compound. In other words, the earlier you start saving, the better, by leaps and bounds. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-advantage-of-saving-early</link><guid isPermaLink="false">646298093a954748fbdf5a40</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 15 May 2023 05:32:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/-mvl8U_LCX/bird-may.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Teach Your Children (To Save) Well]]></title><description><![CDATA[Saving money can be hard to teach since it revolves around delayed gratification.   Education is key.  Look for teachable moments where money is concerned and engage with your child.  Saving teaches us how to set goals and prioritize. Help your child define saving goals and celebrate reaching those goals!  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/teach-your-children-to-save-well</link><guid isPermaLink="false">63e16fc4a59afea296b3a651</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 06 Feb 2023 09:33:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/DdFM7hkjks/Stocksy_txp2eafe2ccBCq000_Large_141918.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The 12% Savings Goal]]></title><description><![CDATA[Most people need to save more — often a lot more — to build a nest egg that can meet their needs. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement, starting as early in your career as possible1. There’s a relatively painless way to reach that goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-savings-goal-2023</link><guid isPermaLink="false">63b5968e8d000fcc7b64ea52</guid><category><![CDATA[Savings]]></category><pubDate>Sun, 01 Jan 2023 03:40:33 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/66DnCJy8Dj/AdobeStock_84471005.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Social Security Basics]]></title><description><![CDATA[To be eligible for Social Security benefits, individuals must have earned 40 calendar quarters of wages that were subject to Social Security tax. The amount of the benefits you would receive at full retirement age (FRA) is based on the average of the 35 highest years of earnings.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/social-security-basics</link><guid isPermaLink="false">639092755bdd809e83505ab7</guid><category><![CDATA[Savings]]></category><pubDate>Sun, 04 Dec 2022 02:42:25 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/FAx7WOqo7F/Social-Security-infographic.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Millennials – The Time to Start Saving is Now!]]></title><description><![CDATA[Typically, younger people don’t make retirement savings a priority. Living expenses, student debt, rent or house payments, and other day-to-day expenses mean that retirement savings take a back seat.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/millennials-the-time-to-start-saving-is-now-2022</link><guid isPermaLink="false">6282800937085e6774199b60</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 16 May 2022 16:57:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/RzxTj_n4CP/may-participant-times.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Creating a Savings Budget]]></title><description><![CDATA[We all know that setting a personal budget is important, but do we actually know how to make one and stick to it? Living in a post-pandemic world we’ve experienced many fluctuations in our monthly finances. Whether that’s receiving a boost from a stimulus check or the rising cost of everyday essentials. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/creating-a-savings-budget</link><guid isPermaLink="false">61f7ee83a8b6d815dbb60f33</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 01 Feb 2022 05:36:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/DEsmtV1Hhf/rapg.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Savings vs. Debt]]></title><description><![CDATA[Debt continues to sweep the nation. With student loan debt forever looming in the background, credit card debt is piling up fast for many Americans. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/savings-vs-debt-2022</link><guid isPermaLink="false">61cf15677eb8fd53954a89e3</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 04 Jan 2022 13:20:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/4RtLBY2557/Phone.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[How Long Will Your Money Last?]]></title><description><![CDATA[With all of the advanced education and strategy tools available, it is still often difficult for employees to understand the difference between what they can save for retirement and what is needed to retire. Sometimes, it is helpful to see what your account will actually provide over the course of your retirement. It can also help you set an achievable goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-long-will-your-money-last</link><guid isPermaLink="false">61ae8ed8c3bbb15e76fcdd0c</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 06 Dec 2021 10:46:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/XNMCZlPSC7W/AdobeStock_126525020.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Carving a Holiday Budget]]></title><description><![CDATA[The holidays are a time for giving, but often people can be a little overgenerous during this time of year and later find themselves in financial trouble. According to a survey by Country Financial 32 percent are feeling the greatest stress around holiday finances.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/carving-a-holiday-budget</link><guid isPermaLink="false">619c1870d0f26e7239d64b1a</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 23 Nov 2021 16:12:02 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/30b0dgP-jUR/Picture1.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Save Early, Aim for Your Goal]]></title><description><![CDATA[Contributing to your employer’s retirement plan as soon as you’re eligible is crucial to meeting your retirement goals. The earlier you start saving, the more time compounding interest has to work on your behalf. Putting off contributions today means increased contributions to reach the same goals tomorrow. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/save-early-aim-for-your-goal</link><guid isPermaLink="false">6112718732d43a39a014727f</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 17 Aug 2021 12:55:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/VXDPWLSegry/Archery.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[What’s an HSA and is it Right for You?]]></title><description><![CDATA[Health savings accounts (HSAs) have grown tremendously in popularity over the past few years.1 You’ve probably heard of them or maybe your employer offers one. This memo will uncover answers to common questions you may have about HSAs.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/whats-an-hsa-and-is-it-right-for-you</link><guid isPermaLink="false">60a277598004ee465f0d7ce9</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 18 May 2021 12:57:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/P3U0jpX1fyA/Purple-Run.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Goal Setting]]></title><link>https://mcfadvisors.com/retirement-plan-participants/estate-management-part-ii-mcf-retirement-education-webinar</link><guid isPermaLink="false">5fce4d1396f8ab3f6535a3f3</guid><category><![CDATA[Savings]]></category><pubDate>Wed, 14 Apr 2021 13:04:19 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[MCF Education Webinar – April 2021 Retirement Goal Setting]]></title><description><![CDATA[Join Hunter Nighbert, Financial Advisor, as he discusses how much retirement actually costs and the value of being precise in setting your retirement goals. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/mcf-education-webinar-april-2021-retirement-goal-setting</link><guid isPermaLink="false">607594f88ccb562bae99eff4</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 13 Apr 2021 13:04:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/lmw0PFdEczz/Screenshot-2021-04-08-081906.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The 12% Savings Goal]]></title><description><![CDATA[Most people need to save more — often a lot more — to build a nest egg that can meet their needs. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement, starting as early in your career as possible[1]. There’s a relatively painless way to reach that goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-savings-goal2021</link><guid isPermaLink="false">606b023ff3ab3449fb53cfbf</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 05 Apr 2021 13:04:50 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/utY5fUkPMX/grow.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Prioritizing Debt]]></title><description><![CDATA[Debt is sweeping the nation. With student loan debt becoming astronomical among millennials and credit card debt piling up in the background, it can feel overwhelming that your savings is getting the short end of your paycheck. According to the Federal Reserve Bank of New York, Americans’ total household debt as of 2019 has reached $14 trillion – a record high. Thoughts of financial stress flood our minds of how we are going to afford our current lifestyle and our future in retirement.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/prioritizing-debt</link><guid isPermaLink="false">603cfadb64d8aa76febc3931</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 02 Mar 2021 14:05:15 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/l90EMFfKBO/Picture1.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Planning and Saving for Life Events]]></title><description><![CDATA[Planning for a major event in your life can take a toll on not only your sanity, but your finances. Major life events are increasing in cost annually and we can be left thinking to ourselves, “can we even afford this?” Below are savings tips and insights into some of the major life events that we all experience one way or another.   ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/planning-and-saving-for-life-events</link><guid isPermaLink="false">60184fa761254f32006c0edd</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 02 Feb 2021 14:06:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/y0cQ_2-PzA/MCF_Family_Gold_2000.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Are You Saving Enough? ]]></title><link>https://mcfadvisors.com/retirement-plan-participants/are-you-saving-enough-2021</link><guid isPermaLink="false">5ff33774b6f97049c328ede2</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 05 Jan 2021 14:06:45 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/y_ERzjOaca/grow.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The 12% Savings Goal]]></title><description><![CDATA[Most people need to save more — often a lot more — to build a nest egg that can meet their needs. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement. There is a relatively painless way to reach that goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-percent-savings-goal</link><guid isPermaLink="false">5fd7a4dd3d1a68204ae28783</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 15 Dec 2020 05:37:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Q096Y0o8MS/A9R1rgitju_zratt2_1ck.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Making Financial Health a Priority for Women]]></title><description><![CDATA[What causes stress in your life? If you said my finances, and my health, then you’re not alone. Studies conducted by Fidelity have found that more than 85% of women are stressed about their finances and 60% are stressed about both their money and their health. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/making-financial-health-a-priority-for-women</link><guid isPermaLink="false">5e5974e220407e6494d13d97</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 02 Mar 2020 08:32:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/mB5GvB4BH/Savings.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Take Advantage of Your Company's Retirement Plan Matching Program]]></title><description><![CDATA[Over 40 percent of employers now offer at least a small retirement plan match to employees, who can help manage their financial wellness by taking advantage of this offer. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/take-advantage-of-your-companys-retirement-plan-matching-program</link><guid isPermaLink="false">5e4321ef679b3a521347bbf8</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 18 Feb 2020 09:53:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/y1cPE0GEv/Collie.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[5 Barriers Preventing You from Seeing Retirement]]></title><description><![CDATA[Often, people struggle with finding the extra money to save towards retirement. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement, but for some this seems like an unrealistic goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/5-barriers-preventing-you-from-seeing-retirement</link><guid isPermaLink="false">5e3c526a4f1e9e463f1868be</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 11 Feb 2020 06:05:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/GdJZUhId1/AdobeStock_281174463.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Savings vs. Debt - 5 Strategies to Start Saving Today!]]></title><description><![CDATA[Debt is sweeping the nation. With student loan debt becoming astronomical among millennials and credit card debt piling up in the background, it can feel overwhelming that your savings is getting the short end of your paycheck. According to the Federal Reserve Bank of New York, Americans’ total household debt has reached $13 trillion – a record high. Thoughts of financial stress flood our minds like how we are going to afford our current lifestyle and our future in retirement. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/savings-vs-debt-5-strategies-to-start-saving-today</link><guid isPermaLink="false">5e13492311ff6e7174070ec0</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 07 Jan 2020 16:37:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/MAD8c6U2o/savings-vs-debt.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Four Tips for Increasing Your Retirement Dollars]]></title><description><![CDATA[Don’t Cash Out Retirement Plans When Changing Employment

When you leave a job, the vested benefits in your retirement plan are an enticing source of money. It may be difficult to resist the urge to take that money as cash, particularly if retirement is many years away.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/four-tips-for-increasing-your-retirement-dollars</link><guid isPermaLink="false">5de6ade004d2a4613eddc23a</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 17 Dec 2019 13:46:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/HLmccNqiw/tips.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Planning: Putting Your Savings Goals Into Perspective]]></title><description><![CDATA[A little bit can go a long way! The tables below show how money invested in your retirement plan can grow over time. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-planning-putting-your-savings-goals-into-perspective</link><guid isPermaLink="false">5d94d0e78fe917454951f450</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 05 Nov 2019 14:48:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/PFjHX2ppdx9/grow.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Finding Extra Dollars]]></title><description><![CDATA[With so many financial responsibilities, you may feel that there isn’t a lot of wiggle room in your budget for increases in retirement savings. Here are a few suggestions to help make it work:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/finding-extra-dollars</link><guid isPermaLink="false">5d935bbdaf70c62610a47975</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 01 Oct 2019 14:17:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/24zBeANjJUA/AdobeStock_165134847.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Borrowing Against Your Retirement: More Costly Than You Think]]></title><description><![CDATA[Participating in the Company's Retirement Plan is a smart and important decision. Smart because you are putting away small amounts today for a comfortable retirement later.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/borrowing-against-your-retirement-more-costly-than-you-think</link><guid isPermaLink="false">5d812f2f985aa14c76beeb79</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 17 Sep 2019 08:22:52 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YTtcnL43RWE/piggy-bank.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[What's an HSA?]]></title><description><![CDATA[Health savings accounts (HSAs) have grown tremendously in popularity over the past few years. You’ve probably heard of them or maybe your employer offers one. This memo will uncover answers to common questions you may have about HSAs.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/whats-an-hsa</link><guid isPermaLink="false">5d81306d985aa14c76beed99</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 19 Aug 2019 08:18:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/8ZsDZvicbOI/health-savings.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Rebalancing Your Portfolio]]></title><description><![CDATA[As a participant in your company’s retirement plan, you are already serious about saving for your future. Whether you are retiring in a few weeks or a few decades, you may need to protect your investment. A healthy way to do this is to rebalance your portfolio.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/rebalancing-your-portfolio</link><guid isPermaLink="false">5d88d4c06e474113371dc4e3</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 06 Aug 2019 08:19:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/MCO-foKIVmZ/AdobeStock_89206560.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Summer Homework]]></title><description><![CDATA[We know you’re ready for summer! But, how’s your retirement plan doing?

Summer can serve as a preview of your retirement — long days in the sun and spending time with your loved ones! So, what better time to do a routine check-up on your retirement plan! Protect your loved ones and ensure you are keeping up to date with your retirement plan with our summer homework assignments!]]></description><link>https://mcfadvisors.com/retirement-plan-participants/summer-homework</link><guid isPermaLink="false">5d812e2132a7f85aa644f561</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 15 Jul 2019 08:21:03 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/97XTzTJdv-a/Summer-Reading.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The Real Cost of Coffee and Lunch]]></title><description><![CDATA[Saving for retirement isn’t easy. However, what you may not realize is that by making small adjustments you can save a substantial amount that can be added to your retirement plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-real-cost-of-coffee-and-lunch</link><guid isPermaLink="false">5d813a58f544664c66d8d7b9</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 02 Jul 2019 08:21:43 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/geKuCJ63Fdn/AdobeStock_115465500.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Millennials - The Time to Start Saving is Now!]]></title><description><![CDATA[Typically, younger people don’t make retirement savings a priority. Living expenses, student debt, rent or house payments, and other day-to-day expenses mean that retirement savings take a back seat. In fact, a survey from January 2016 says that 40 percent of millennials don’t have a retirement plan in place, and 57 percent haven’t started saving.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/millennials-the-time-to-start-saving-is-now</link><guid isPermaLink="false">5d812fb1985aa14c76beeb7d</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 17 Jun 2019 08:24:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/WR-hps-Vy6U/Know-it-all.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Savings Plan Education - Q2 2019]]></title><description><![CDATA[Retirement Savings Plan Education - Q2 2019
]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-savings-plan-education-q2-2019</link><guid isPermaLink="false">5d8b7bd612d9fb0b95dad1ec</guid><category><![CDATA[Savings]]></category><pubDate>Thu, 13 Jun 2019 14:16:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/TLm_cQc3sil/cropped/C5F9E2FF-DAD6-470E-8347-63CF8B105BEA.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Rolling Into Your New Employer's Plan vs. An IRA]]></title><description><![CDATA[Do you have retirement plan assets with a former employer’s plan that you’re not sure what to do with? Review the pros and cons of consolidating into your current employer’s retirement plan versus an individual retirement account (IRA).]]></description><link>https://mcfadvisors.com/retirement-plan-participants/rolling-into-your-new-employers-plan-vs-an-ira</link><guid isPermaLink="false">5d812ea6985aa14c76beeb77</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 13 May 2019 08:24:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/6KSb-V1KRfd/Dog.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Are You Saving Enough? ]]></title><description><![CDATA[Personal savings and investments outside of a retirement plan, such as IRAs, are only part of the overall retirement income picture. That is where your retirement plan comes into play. To ensure a secure financial future, you should strive to defer the maximum amount to your Company Retirement Plan. If you are unable to do this today, increase your deferrals in small amounts every six months, or with every pay increase. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/are-you-saving-enough</link><guid isPermaLink="false">5d88db836e474113371dc659</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 05 Mar 2019 09:13:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_k-avkpiu4I/AdobeStock_270386792.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Don't Let Student Loan Debt Get In Your Way of Financial Success]]></title><description><![CDATA[If you find yourself in a position of not being able to pay off your student loan debt and save for your future, you’re not alone. According to the New York Federal Reserve, more than two million student loan borrowers have student loan debt greater than $100,000, with approximately 415,000 of them carrying student loan debt in excess of $200,000.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/dont-let-student-loan-debt-get-in-your-way-of-financial-success</link><guid isPermaLink="false">5d812148985aa14c76bee80e</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 18 Feb 2019 09:12:44 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/BvruelX0saM/Debt.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The 12% Savings Goal]]></title><description><![CDATA[Most people need to save more — often a lot more — to build a nest egg that can meet their needs. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement. There’s a relatively painless way to reach that goal. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-savings-goal</link><guid isPermaLink="false">5d88d8df5479f1064ec992c7</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 08 Jan 2019 09:10:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/aa8QSpFCc9y/AdobeStock_84471005.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item></channel></rss>