6 Simple Ways to Keep More of Your Money

Disclaimer: This post is for educational purposes only—not financial advice. We’re not responsible for any financial decisions you make based on this content. Please talk to a financial advisor for advice tailored to your situation. 

You work hard for your money—so let’s talk about how to hang on to more of it.
These simple tips can help you keep more cash in your pocket and make smarter money moves.

1. Check Your Tax Withholding
If you get a big tax refund every year, you might be giving the government too much out of each paycheck. Updating your W-4 form could help you take home more money now—so you can save, invest, or cover bills throughout the year.

2. Don’t Miss Out on Tax Credits
Tax credits can shrink your tax bill—some even give you money back. Look into ones like the Child Tax Credit, Earned Income Tax Credit, and credits for saving for retirement, education, or making energy upgrades at home. They can add up fast.

3. Cut the Waste
Got subscriptions you don’t use? Paying high interest or random fees? It’s easy to let that stuff slip by. Take a few minutes to review where your money’s going and cut what you don’t need. Even small changes can free up cash.

4. Use Tax-Friendly Accounts
Putting money into things like a 401(k), IRA, or HSA can give you tax perks—like lowering your taxable income or growing your money tax-free. It’s a smart way to save for the future and ease your tax bill today.

5. Save for Emergencies
Start with a $1,000 emergency fund, then build up to cover 3–6 months of basic expenses. Having a cushion means you won’t have to rely on credit cards or dip into your retirement money when life gets messy.

6. Think Twice Before Taking Money Out Early
Pulling money from retirement or health savings accounts before you’re supposed to usually means taxes and penalties. If you need cash in a pinch, try other options first so you’re not hit with extra costs.

I hope that you find these quick tips helpful, we encourage you to leave a comment below. What would you like us to talk about next?

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