Whether you are thinking about how to invest for retirement or build a college fund, face issues with purchasing a new home or avoiding foreclosure, or if you want to learn how to handle credit card debt, Michigan State University Extension has experts that can help you. MSU Extension assists individuals, households, organizations and communities to become sustainable through workshops and other education related to financial capability, pre-purchase and foreclosure intervention and more.
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The Retirement Estimator
gives estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. It can’t provide your actual benefit amount until you apply for Social Security benefits. And that amount may differ from the estimates provided because:
- Your earnings may increase or decrease in the future.
- After you start receiving benefits, they will be adjusted for cost-of-living increases.
- Your estimated benefits are based on current law. The law governing benefit amounts may change because, by 2033, the payroll taxes collected will be enough to pay only about 75 cents for each dollar of scheduled benefits.
- Your benefit amount may be affected by military service, railroad employment or pensions earned through work on which you did not pay Social Security tax.
Want to improve your personal finances? Start by taking the Investment Risk Tolerance Quiz
to get an idea of your risk tolerance--one of the fundamental issues to consider when planning your investment strategy, either alone or in consultation with a professional.
The more people know about effectively managing their money, the more likely they are to increase savings, successfully buy and maintain homes, and improve their financial health and well-being.
Note: This quiz was developed by two university personal finance professors, Dr. Ruth Lytton at Virginia Tech and Dr. John Grable at Kansas State University. By taking this quiz you will be contributing to a study on measuring financial risk tolerance. Your results will be recorded anonymously. They are not collecting any identifying information.
Want to use credit wisely and pay less to borrow money? Start by taking the Wise Credit Management Quiz
to assess your current credit-related practices.
The Federal Reserve’s Credit Card Repayment Calculator
will give you an estimate of how long it will take you to pay off your credit card balance. The calculator assumes:
- you make no more charges; and
- you make only the minimum payment each month.