26, Single, Teacher
Heather had been subbing for various schools districts in the Buffalo area, but finally got a full time position at Depew UFSD making $40,000 a year. She wanted to start saving for retirement while also saving for her first house. She also had accumulated over $40,000 in student loans.
Spent time organizing her finances and putting together a game plan for every day spending, debt repayment and saving.
Discussed and compared what account she should use to save for retirement (403b versus Roth IRA).
Reviewed her outstanding debits and put a payoff plan in place.
Established what goals she wants to achieve in the next five years and how to go about paying for them.