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Getting Started

Life Stage - Getting Started

Financial advice for young adults entering the work force

Laying the right foundation as you start your career is the key to future financial success, and at this life stage, TIME is your greatest asset. Consider that each dollar you save in your 20s can be worth ten times as much as one saved in your 40s. Through the power of compounding, the beginning of your working life is the prime time to start saving towards retirement—even though many people don’t want to think about, or worse yet, act on this principle. During this time, young adults have the exciting task of learning how to manage the spending and saving of their money within the constraints of their income. Here are some steps to take now to put your financial future on track:

1. Identify your short, medium and long-term goals and budget your money accordingly


Your short term goals of less than five years might encompass a wedding, honeymoon, furniture or a new car. Medium term goals could include the purchase of a home and financing your future children’s college education, followed by long-term retirement goals. These goals will help you determine how to spend and save your money.

2. Build assets through saving at least 10-15% of your income


It may be wise to invest in CDs or money market funds for your short term goals and the stock market for your longer term goals. Historically, the stock market has outperformed other types of investments over comparable time periods, but it’s not for the faint of heart. You may also want to join a 401K plan if available from your employer or open up an IRA account.

First NBC Bank can help compound your savings with an account that’s right for you:

Certificates of Deposit   – A proven investment that earns a higher interest yield and is available in a variety of terms to meet your individual needs.

Savings Account – A great place to start saving money.  Allows you to save and earn interest while maintaining access to your money.

Individual Retirement Account (IRA) – Saving for retirement is easy with a First NBC Bank IRA.  IRA contributions may qualify as a federal income tax deduction if tax code requirements are met.

3. Establish an emergency fund


A good guide is to save three to six months’ worth of living expenses to cover rent or house payments, utilities, car payments, food, transportation and insurance into a separate bank account that could be easily accessed in the case of job loss or uncovered medical expenses. Don’t use the money for anything else.

First NBC Bank recommends this account for the establishment of your emergency fund:

Smart Savings– A savings account that allows you to save and earn interest while maintaining access to your money.


4. Conserve time, money and paper with First NBC Bank’s convenient checking accounts with online banking and bill pay and no-annual-fee debit card


Prime Checking – An account designed to make banking easy and convenient.

Premier Checking Now – A full service account that offers the added benefit of earning interest and has the advantage of relationship pricing.

Convenience Services – Our Convenience Services will reduce the time it takes to balance your checkbook, pay your bills, and make purchases, and you’ll save on the expense of printed paper checks and postage while helping the environment as well.

5. Understand which loan product is right for you


Work with First NBC Bank for all of your lending needs.  Finding the right mortgage or consumer loan may save you thousands of dollars.  We can help you compare the various products available to you and explain all the factors involved in obtaining a loan including interest rates, fees, down payment requirements, etc.

With competitive rates, experienced lending professionals and local decision-making, you’ll be sure to find a loan at First NBC Bank that meets your needs.  For more information select one of the links below, or contact one of our lending officers. 

Mortgage loans – Our experienced lenders are ready to answer your questions and guide you on the path to home ownership.

Consumer loans – Whether you’re purchasing a vehicle, need to consolidate debt, or want to access the equity in your home First NBC Bank’s experienced Relationship Bankers can help you select the loan that fits your individual needs.

6. Understand your credit report


Your financial behavior, including how much credit you have, how long you've had it and whether you pay your bills on time is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian — maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification. Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan. Your credit score can also influence the interest rate you pay. In many cases, the higher your score, the lower your interest rate. Your credit score is available from the three credit reporting agencies:

Equifax –

TransUnion –

Experian – allows you to request one free credit report annually in accordance with the Fair and Accurate Credit Transactions Act (FACT Act). is a secure way to obtain your credit report which is generated by the three nationwide consumer credit reporting agencies.  Request your free annual credit report today at


7. Save for Retirement


Many people underestimate the amount of money they’ll need in retirement.  Be realistic about major expenditures, e.g., will your mortgage be paid off by retirement?  If so, you may need less income than you do now.  Do you plan to buy a vacation home or travel extensively?  Will you have to pay for your own health insurance?  These and other financial considerations all come into play.  Now is a good time to up your contributions to your retirement savings accounts.  Talk with one of First NBC Bank’s Relationship Bankers to learn about the products we offer that can help you meet your retirement goals.

Individual Retirement Account (IRA) – Saving for retirement is easy with a First NBC Bank IRA.  IRA contributions may qualify as a federal income tax deduction if tax code requirements are met.

Tips for Effective Financial Management:

  • Pay off your credit card debt.
  • If you cannot pay off your credit card debt, pay more than the minimum payment each month to pay off your debt sooner.
  • Don’t worry too much about paying off student loans early. These normally have a lower interest rate than other unsecured debt. By making low payments on student loans, you’ll have more money to reduce other high-interest debt.

Some financial calculators to help you with Getting Started:

Our calculators can help you determine what you need to achieve your goals and stay on budget.

For help determining the best accounts and products for sound and productive money management during your Getting Started Lifestage, contact a First NBC Bank Relationship Banker.