Devora Krasnianski of Adai Ad talks with Dovid Lieblich, CFP, EA about what newly married should know about building their financial future.  

(slides and other related resources www.adaiad.org/financial-future)  

• Introduction
• About Dovid Lieblich and his story
• Newly marrieds have the best opportunity to forge a path for financial success
• It's not about how much you make, it's how you use your money (costs of living)
• "Pay yourself first". Save first then budget your expenses.
• How much to save
• Saving for retirement (even in your 20s!) 
• Emergency fund 
• Saving for something specific (ex: trip, Bar Mitzvah) 
• Have separate accounts
• Budgets/ spending plans (use debit cards, pay credit card weekly) 
• Understanding credit cards 
• "Get rich quick" schemes are very risky 
• Mistakes young people make  
• Life insurance 
• Questions answered  (more about credit cards/ credit reports) 
• Savings accounts vs Bonds 
• Paying taxes before maaser, before saving 
• How to contact Dovid 
• Traditional IRA and Roth IRA 
• Quick overview of investing 
• Final Thoughts