Myth: If you can’t save a lot, it’s not worth saving at all. Fact: Even small, consistent contributions add up. Saving a little regularly builds habits and creates a foundation for future financial stability.

Small-business owners – this season, give yourself the gift of financial peace of mind. As the holidays ramp up, so do demands on your business. Now’s the perfect time to think beyond seasonal sales and focus on long-term protection and planning. Modern Woodmen offers tools to help you: · Prepare for unexpected events (like the loss of a key employee). · Set up buy-sell agreements to protect your legacy. · Offer meaningful employee benefits without complex plans. · Understand your business’ true value for future growth. Learn more about how Modern Woodmen can assist and contact me with any questions! https://www.modernwoodmen.org/financial-planning/business-planning/

Stand among heroes. Honor their legacy. Be part of something bigger. Join fellow Modern Woodmen members on Dec. 13 for National Wreaths Across America Day. You and your guests will place live balsam wreaths on veteran's headstones – a heartfelt gesture of remembrance and gratitude. wreathsacrossamerica.org/ModernWoodmen

The holidays are magical, but they don’t have to be expensive. Here are four quick tips to help you celebrate without breaking the bank. 1. Set a budget to stick to. 2. Make a gift list and prioritize. 3. Shop early to avoid last-minute splurges. 4. Go with DIY gifts and decorations to add a personal (and affordable) touch. Looking for more tips? Let's discuss.