Saving & Investing · CLF Church

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Slide 1

Saving & Investing
Tiffany Cogdell, CEO That Makes Cent$, LLC
thatmakescents.me
919-373.5105

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Slide 2

Agenda
Understand the Fundamentals of Saving & Investing
Learn Key Financial Growth Strategies
Make Informed Investment Decisions
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Slide 3

What Does God Say? Proverbs 21:20 - “The wise store up choice food and olive oil, but fools gulp theirs down.” (Encourages saving and preparation for the future.) Proverbs 13:11 - “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” (Promotes steady, disciplined financial growth.) Ecclesiastes 11:2 - “Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” (Encourages diversification in investing.) 3

Slide 4

Saving & Investing

Saving: Setting aside money for short-term goals or emergencies, typically in a low-risk account.

Investing: Using money to purchase assets (stocks, bonds, real estate, etc.) with the expectation of long-term growth and returns.

Slide 5

Saving provides security and liquidity for short-term needs.

Investing helps grow wealth over time and beats inflation.

Both work together to achieve financial goals (e.g., emergency fund first, then investments for long-term growth).
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Slide 6

Objectives
Labor
Investments
Pensions
Social Security
Business Presentation

Slide 7

Challenges
Inflation
1 3
Taxes
1 3
Debt
1 3
Big Business
Business Presentation

Slide 8

WEALTH PRINCIPLE
CASH
ASSET
CASH
Business Presentation

Slide 9

Types of Accounts
9

Slide 10

Table (review layout):
Retirement Account | Tax Treatment | Key Benefits | Best For
401(k) | Pre-tax contributions; withdrawals taxed | Employer match, high contribution limits | Employees with access to employer-sponsored plans
Roth 401(k) | Post-tax contributions; withdrawals tax-free | Tax-free growth and withdrawals | Employees expecting higher future tax rates
Traditional IRA | Pre-tax contributions; withdrawals taxed | Tax deduction now, tax-deferred growth | Individuals who don’t have a 401(k) or want extra savings
Roth IRA | Post-tax contributions; withdrawals tax-free | Tax-free withdrawals in retirement | Individuals expecting higher future tax rates
Pension | Employer-funded; taxable income at withdrawal | Guaranteed lifetime income | Employees with pension benefits (government, some private sectors)
HSA (Health Savings Account) | Contributions tax-deductible; tax-free for medical expenses | Triple tax benefits: tax-free contributions, growth, and withdrawals (for medical expenses) | Those with high-deductible health plans (HDHPs)

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Slide 11

Should I Pay Off Debt Before Saving & Investing?
11

Slide 12

Types of Accounts
Emergency Fund: 3-6 months of living expenses.
Short-Term Savings (Delayed Spending Fund): Varies based on goals.
Retirement Investing: At least 15% of income into retirement accounts (401(k), IRA).
12

Slide 13

Types of Accounts
Step 1: Estimate Annual Retirement Expenses
Example: You expect to spend $50,000 per year in retirement.
Step 2: Use the 25x Rule (for 4% Withdrawal Rate)
Multiply annual expenses by 25 to estimate total savings needed.
$50,000 × 25 = $1.25 million needed for retirement.
Step 3: Adjust for Inflation & Lifestyle
Consider inflation (typically 2-3% per year).
Adjust for additional income sources (Social Security, pension, rental income).
13

Slide 14

Objectives
paid for by Labor
comes from Investments
Social Security
Pensions
Challenges
Inflation
Taxes
1 3
Debt
1 3
Big Business
1 3
Solutions
Investment
Cash Flow
Business
23
15
18
28
33
Spend
Work
Work
Taxed
Gains
Taxes
35
lifestyle
Dividends
Debt
Expenses
5
3
8
Self

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(See IRS Doc: Revisit Your W4)
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Are you a #2: “I’m IN ($34.95/Mth) for the strategy!” or #1:“I’m IN, ($34.95/Mth) to earn BONUSES & RESIDUAL INCOME!”
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A)
Current Lifestyle ——»
B)
Future Lifestyle ——»
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(Government)
(Corporate America)
4)
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— >The “Silent Income Killer”
A)
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—>Take the 2nd
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of Your Income.
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—>Take the Final__/__ of Your Income.
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W-2 (3 Days): “Cash”
1099 (6 Weeks): “Asset”
Investor (9 Mths):” Cash”
Management
Income
Income
Taxed @
% - %
Taxed @ % - %
Taxed @ Less than %
I
I’m Taxed, |
Biz , Biz Spends, Biz.
SWorks, Reinvest, More$$
A)Min
A)Invest $ /Mth
A)Capital
(See IRS Doc: Revisit Your W4)
B)Min
B)Write off
B)
C)Min
C)EarnS__-S__-S__ Mth | C)Your
Are you a #2: “I’m IN ($34.95/Mth) for the strategy!” or #1:“I’m IN, ($34.95/Mth) to earn BONUSES & RESIDUAL INCOME!”
@)
A)
Current Lifestyle ——»
B)
Future Lifestyle ——»
&
no longer work.
(Government)
(Corporate America)
4)
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— >The “Silent Income Killer”
A)
B)
—>Take the 1 /__ of Your Income.
C)
—>Take the 2nd
—_!
/
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of Your Income.
D)
—>Take the Final__/__ of Your Income.
3)
@)
W-2 (3 Days): “Cash”
1099 (6 Weeks): “Asset”
Investor (9 Mths):” Cash”
Management
Income
Income
Taxed @
% - %
Taxed @ % - %
Taxed @ Less than %
I
I’m Taxed, |
Biz , Biz Spends, Biz.
SWorks, Reinvest, More$$
A)Min
A)Invest $ /Mth
A)Capital
(See IRS Doc: Revisit Your W4)
B)Min
B)Write off
B)
C)Min
C)EarnS__-S__-S__ Mth | C)Your
Are you a #2: “I’m IN ($34.95/Mth) for the strategy!” or #1:“I’m IN, ($34.95/Mth) to earn BONUSES & RESIDUAL INCOME!”

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Slide 15

HYSA
Look for accounts with:
High Interest Rates: Typically 4%+ APY.
No Fees: Avoid accounts with maintenance fees.
FDIC/NCUA Insurance: Ensures money is protected up to $250,000.
Use comparison tools (Bankrate, NerdWallet) to find the best options.
15

Slide 16

72
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40,000
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80,000
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160,000
320,000
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600K
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Slide 17

Mutual Fund:
Mutual Fund: A pool of money from multiple investors used to invest in a diversified portfolio of stocks, bonds, or other assets.
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Slide 18

Table (review layout):
Component | Definition | Why It Matters
NAV (Net Asset Value) | Price per share of the mutual fund. | Determines the fund’s value per share at the end of each trading day.
Rating | A score (e.g., from Morningstar) based on past performance and risk. | Helps investors evaluate the fund’s quality and reliability.
Risk Category | Classification of the fund’s risk level (low, moderate, high). | Guides investors in choosing a fund based on their risk tolerance.
Performance/Average Annual Returns | Historical returns over different time frames (1-year, 5-year, 10-year). | Helps compare funds and set realistic expectations.
Fund Inception | The date the mutual fund was created. | Older funds with strong performance may indicate reliability.
Expense Ratio | The percentage of assets deducted for management fees. | Lower expense ratios mean lower costs for investors.
Dividends | Earnings distributed to shareholders periodically. | Provides additional income from the investment.
Capital Gains | Profits when fund assets are sold for more than their purchase price. | Impacts taxes and overall returns.

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Slide 19

Saving & Investing
Tiffany Cogdell, CEO That Makes Cent$, LLC
thatmakescents.me
919-373.5105

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