“Do we really need an emergency fund? I have my credit card if need be.” I wish I could say this was a joke. However, I had this conversation with a client a few years back. I did a financial review with a couple in their late 30s. Good jobs, beautiful home, new baby, and steady income. But they had NO emergency fund. What if your fridge blew? It would go straight on a credit card according to their logic. So, I gave them an example. Imagine your car breaking down, how are you going to pay for that? On a credit card? How much will that cost you? Will you be able to pay that off right away? What’s the interest? The point is… there are SO many factors that go into this scenario. Having an emergency fund can limit these problems. They started to understand my logic. Now, we’re putting $150 a month into a separate saving account. This gives you peace of mind. It allows room to breathe. Trust me, you don’t need to be a millionaire to have an emergency fund. You can start small and help prevent larger incidents from occurring. (Such as debt or loans!) Life happens. You don’t know when appliances will die, your car will break down or when a medical emergency will happen. However, you deserve to not have added stress on top of that. Emergency funds can be your lifeline. 📌Have any unexpected expenses lately?? My car recently broke down, and I had to buy a new one! -------------- Hi, I'm Jon Dannecker! For over 14 years, I've been helping families, businesses, and individuals plan for the financial future. My door is ALWAYS open, message or call me! #PersonalFinance #Finance #Saving #EmergencyFund

“I’ll start planning when I make more money.” I hear this ALL the time. You want to wait for the “perfect time.” However, you’re losing valuable time in the process. Last month, I met with a young lady who thought she needed to wait until she got a raise to start investing. Together, we reviewed her finances. Turns out, she actually was saving more than she thought. With this, we redirected it to retirement account. Now she’s building for her future TODAY, not waiting til tomorrow. Financial planning isn’t about how much you make. It’s about making what you have work for YOU! You don’t have to start with much… $50, $100, $25 a month count towards planning for your future. Need help on this journey? I got your back! 📌What’s holding you back from achieving your financial goals? --------------------- Hi, I'm Jon Dannecker! For over 14 years, I've been helping families, businesses, and individuals plan for the financial future. My door is ALWAYS open, message or call me! #FinancialPlanning #Finance #PersonalFinance

We want to give a HUGE THANK YOU to everyone who came out to Turkey Bingo! 🦃🧡We couldn't have done it without you!

Gratefulness is an understatement for how I’m feeling. As Thanksgiving approaches, I’ve taken time to reflect on all of my blessings. I have a wonderful job, family, and friends. What more could you ask for? On Thursday, we hosted Turkey Bingo for our members. They competed to win Thanksgiving fixings and a turkey! In honor of the Thanksgiving season, I wanted to give back to my members. It is the season of giving after all… If we’re able to help one family make a great Thanksgiving dinner, I’ll be thrilled. At this event, we were joined by a few members of our Fraternal Department located out of Rock Island, IL! Our Fraternal Department gives back year-round. It was an honor and a pleasure to have them with us! As Thanksgiving approaches, what are you grateful for? ------------------ Hi, I'm Jon Dannecker! For over 14 years, I've been helping families, businesses, and individuals plan for the financial future. My door is ALWAYS open, message or call me! #Grateful #GivingBack #Community #Clients