---
title: Creekmur Wealth Advisors | Saving
description: Saving | We help create true wealth and retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do.
---
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## Educate, Encourage, Empower
## [Cash Flow Management](https://blog.creekmurwealth.com/blog/cashflowmanagement-1)
Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 12:00 PM on July 8, 2022
[](https://blog.creekmurwealth.com/blog/cashflowmanagement-1)
# Cash Flow Management. What To Know and How Can It Help You?
If you ever google financial planning, there is no doubt that you will quickly come across the idea of budgeting. At Creekmur Wealth Advisors we prefer to focus less on budgeting and lean more into cash flow management as a foundation for beginning your financial journey*.*
[Read More](https://blog.creekmurwealth.com/blog/cashflowmanagement-1)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)
## [Savings Rate Vs. Rate of Return](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn)
Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 9:00 AM on May 9, 2022
[](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn)
*A common question I receive as a wealth advisor is, "What investments someone can make to get a big return?"*
While Creekmur Wealth Advisors spends a substantial amount of time researching, modeling, and planning [investment strategies](https://online.fliphtml5.com/nhubs/oixg/#p=3)we do not believe that rate of return is the most important rate to focus on when it comes to investing. We do appreciate seeing a high rate of return and strive to achieve that.
> However, the most important rate I would encourage clients to focus on and monitor is their savings rate since it is totally under the investors control and is the largest contributor to your final net worth.
Your savings rate is calculated by taking the total amount of your annual savings and dividing it by your gross or net income. I prefer using gross income as this encourages us to find [tax-efficient methods](https://blog.creekmurwealth.com/blog/tax-planning-for-beginners) of savings to maximize our savings rate.
[Read More](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)
## [Weekly Flash Briefing 5/12/2020](https://blog.creekmurwealth.com/blog/flash-briefing-may12-0)
Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 1:22 PM on May 12, 2020
## **
### *Why is the Stock Market increasing in the midst of such uncertainty?*
This year has been quite the ride in markets both domestic and global. Here in the U.S. we have experienced the quickest slide into a bear market in history, followed by an equally incredible market bounce in short order:
[Read More](https://blog.creekmurwealth.com/blog/flash-briefing-may12-0)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [Stock Market](https://blog.creekmurwealth.com/blog/tag/stock-market)
## [Reducing the Risk of Outliving Your Money](https://blog.creekmurwealth.com/blog/reducingtheriskofoutlivingyourmoney)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 2:17 PM on April 2, 2020
[](https://blog.creekmurwealth.com/blog/reducingtheriskofoutlivingyourmoney)
## *What steps might help you sustain and grow your retirement savings?*
**“What is your greatest retirement fear?”** If you ask any group of retirees and pre-retirees this question, “outliving my money” will likely be one of the top answers. In fact, 51% of investors surveyed for a 2019 AIG retirement study ranked outliving their money as their top anxiety.1
**Retirees face greater “longevity risk” today.**The Census Bureau says that Americans typically retire around age 63. Social Security projects that today’s 63-year-olds will live into their mid-eighties, on average. This is a mean life expectancy, so while some of these seniors may pass away earlier, others may live past 90 or 100.2,3
[Read More](https://blog.creekmurwealth.com/blog/reducingtheriskofoutlivingyourmoney)
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Topics: [Money Matters](https://blog.creekmurwealth.com/blog/tag/money-matters), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [Social Security income](https://blog.creekmurwealth.com/blog/tag/social-security-income)
## [Rules of Thumb In Times Like These](https://blog.creekmurwealth.com/blog/rulesofthumbintimeslikethese)
Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 12:24 PM on March 18, 2020
[](https://blog.creekmurwealth.com/blog/rulesofthumbintimeslikethese)
### When did you first notice that something unprecedented was occurring with the Covid-19 virus?
I currently live in Washington D.C. and up until last week there were no noticeable differences in day to day life. However, I recognized the unusual nature of this situation last week when I headed down to Trader Joe’s to stock up on groceries for the next few weeks. Millennial that I am, I thought that if I got to Trader Joe’s 5 minutes before the doors opened at 8:00 AM that I would have the place to myself – I couldn’t have been more wrong.
[Read More](https://blog.creekmurwealth.com/blog/rulesofthumbintimeslikethese)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [market volatility](https://blog.creekmurwealth.com/blog/tag/market-volatility), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
## [Ways To Repair Your Credit Score](https://blog.creekmurwealth.com/blog/waystorepairyourcreditscore)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:30 AM on March 12, 2020
## **Steps to get your credit rating back toward 720.**
We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curveball and that score declines. What steps can we take to repair it?
**Reduce your credit utilization ratio.** Your credit utilization ratio (CUR) is the percentage of a credit card’s debt limit you have used up. Simply stated, if you have a credit card with a limit of $1,500 and you have $1,300 borrowed on it right now, the CUR for that card is 87%. Carrying lower balances on your credit cards tilts the CUR in your favor and promotes a better credit score.1
[Read More](https://blog.creekmurwealth.com/blog/waystorepairyourcreditscore)
0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/waystorepairyourcreditscore#comments-listing)
Topics: [get my credit score reviewed](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
## [When A Windfall Comes Your Way](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:15 AM on February 27, 2020
[](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway)
## **What do you do with big money?**
**Getting rich quick can be liberating, but it can also be frustrating.** Sudden wealth can help you address retirement saving or college funding anxieties, and it may also allow you to live and work on your terms. On the other hand, you’ll pay more taxes, attract more attention, and maybe even contend with jealousy or envy. You may also deal with grief or stress, as a lump sum may be linked to a death, a divorce, or a pension payout decision.
[Read More](https://blog.creekmurwealth.com/blog/whenawindfallcomesyourway)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
## [A Retirement Fact Sheet](https://blog.creekmurwealth.com/blog/aretirementfactsheet)
Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 11:45 AM on January 30, 2020
[](https://blog.creekmurwealth.com/blog/aretirementfactsheet)
## Some specifics about the "second act."
**Does your vision of retirement align with the facts?** Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you.
**Up to 85% of a retiree’s Social Security income can be taxed.** Some retirees are taken aback when they discover this. In addition to the Internal Revenue Service, 13 states currently levy taxes on some or all Social Security retirement benefits: Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont, and West Virginia. (West Virginia, incidentally, is phasing out such taxation.)1
[Read More](https://blog.creekmurwealth.com/blog/aretirementfactsheet)
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Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [Social Security](https://blog.creekmurwealth.com/blog/tag/social-security), [Tax on Social Security Income](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income), [Taxes in Retirment](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment)
## [Retirement Wellness](https://blog.creekmurwealth.com/blog/retirementwellness)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 6:45 AM on January 9, 2020
[](https://blog.creekmurwealth.com/blog/retirementwellness)
**How healthy a retirement do you think you will have?** If you can stay activeas a seniorand curb or avoid certain habits, you could potentially reduceonetype of retirement expense.
Each year, Fidelity Investments presents an analysisof retiree health care costs. In 2019, Fidelity projected that the average 65-year-old couple would spend around $285,000 on health care during retirement, including about $11,000 in the first year. Both projections took Medicare benefits into account.1,2
[Read More](https://blog.creekmurwealth.com/blog/retirementwellness)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
## [Why Do People Put Off Saving For Retirement?](https://blog.creekmurwealth.com/blog/2018/06/26/why-do-people-put-off-saving-for-retirement)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 9:15 AM on June 26, 2018
## A lack of money is but one answer.
**Common wisdom says that you should start saving for retirement as soon as you can.** Why do some people wait decades to begin?
**Nearly everyone can save something.** Even small cash savings may be the start of something big if they are invested wisely.
**Sometimes, the immediate wins out over the distant.** To young adults, retirement can seem so far away. Instead of directing X dollars a month toward some far-off financial objective, why not use it for something here and now, like a payment on a student loan or a car? This is indeed practical, and it may be necessary. Even so, paying yourself first should be as much of a priority as paying today’s bills or paying your creditors.
**Some workers fail to enroll in retirement plans because they anticipate leaving.** They start a job with an assumption that it may only be short term, so they avoid signing up, even though human resources encourages them. Time passes. Six months turn into six years. Still, they are unenrolled. (Speaking of short-term or transitory work, many people in the gig economy never get such encouragement; they have no access to a workplace retirement plan at all.)
**Other young adults feel they have too little to start saving or investing.** Maybe when they are further along in their careers, the time will be right – but not now. Currently, they cannot contribute big monthly or quarterly amounts to retirement accounts, so what is the point of starting today?
The point can be expressed in two words: compound interest. Even small retirement account contributions have potential to snowball into much larger sums with time. Suppose a 25-year-old puts just $100 in a retirement plan earning 8% a year. Suppose they keep doing that every month for 35 years. How much money is in the account at age 60? $100 x 12 x 35, or $42,000? No, $217,114, thanks to annual compounded growth. As their salary grows, the monthly contributions can increase, thereby positioning the account to grow even larger. Another important thing to remember is that the longer a sum has been left to compound, the greater the annual compounding becomes. The takeaway here: get an early start.1
**Any retirement saver should strive to get an employer match.** Some companies will match a percentage of a worker’s retirement plan contribution once it exceeds a certain level. This is literally free money. Who would turn down free money?
**Just how many Americans are not yet [saving for retirement](https://creekmurwealth.com/retirement/)?** Earlier this year, an Edward Jones survey put the figure at 51%. If you are reading this, you are likely in the other 49% and have been for some time. Keep up the good work.2
[](https://cta-redirect.hubspot.com/cta/redirect/4906824/a847c9a8-1ba1-4504-a68b-e74b8c40ffc8)
[Read More](https://blog.creekmurwealth.com/blog/2018/06/26/why-do-people-put-off-saving-for-retirement)
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Topics: [Uncategorized](https://blog.creekmurwealth.com/blog/tag/uncategorized), [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Build True Wealth](https://blog.creekmurwealth.com/blog/tag/build-true-wealth), [Financial Freedom](https://blog.creekmurwealth.com/blog/tag/financial-freedom), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [Money](https://blog.creekmurwealth.com/blog/tag/money), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving)
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- [Credit Card use (1)](https://blog.creekmurwealth.com/blog/tag/credit-card-use)
- [Credit for Elderly or Disabled (1)](https://blog.creekmurwealth.com/blog/tag/credit-for-elderly-or-disabled)
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- [Elder Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-abuse)
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- [Family Legacy (1)](https://blog.creekmurwealth.com/blog/tag/family-legacy)
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- [Financial Elder abuse (1)](https://blog.creekmurwealth.com/blog/tag/financial-elder-abuse)
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- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
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- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
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- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
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