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I've got valuable information and resources to share. Explore away! And check back often.

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“Aid layering” is a spending strategy that can help you understand which funding sources to prioritize as you pay for college. This strategy suggests spending awards first and reaching for loans last—because a dollar borrowed is a dollar (+interest) that needs to be repaid. Here’s a snapshot of the spending order: 1️⃣ Need-based aid 2️⃣ Merit and other scholarships 3️⃣ 529 plans and savings 4️⃣ Household cash flow 5️⃣ Student loans You can discover more tips for prioritizing and planning for college costs here: https://bit.ly/4rS1sVv

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“Aid layering” is a spending strategy that can help you understand which funding sources to prioritize as you pay for college. This strategy suggests spending awards first and reaching for loans last—because a dollar borrowed is a dollar (+interest) that needs to be repaid. Here’s a snapshot of the spending order: 1️⃣ Need-based aid 2️⃣ Merit and other scholarships 3️⃣ 529 plans and savings 4️⃣ Household cash flow 5️⃣ Student loans You can discover more tips for prioritizing and planning for college costs here: https://bit.ly/4rS1sVv

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From education-specific accounts to general savings, different vehicles offer different rules, flexibility and potential tax advantages. The right mix depends on your timeline and goals. If you’re starting to save for college, take a look at this helpful overview of college savings plan options: https://bit.ly/3ZDyXPn

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From education-specific accounts to general savings, different vehicles offer different rules, flexibility and potential tax advantages. The right mix depends on your timeline and goals. If you’re starting to save for college, take a look at this helpful overview of college savings plan options: https://bit.ly/3ZDyXPn

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The cost of cash: Where to invest when interest rates shift

Whether you’re saving for something big, looking to generate a steady income, or seeking flexible access to your cash, there are smart ways to keep your money productive and there for you when you need it—regardless of shifting interest rates. Explore your options below and let’s connect to keep your goals on track as interest rates change.

Keeping too much cash on hand can hurt your portfolio. Discover tips to help optimize returns when rates fluctuate. Contact a financial...

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Finances + Generosity | Thrivent

Even though your personal finances likely start with your personal goals, they can also be a way to support the people, causes and community you love. Who are you building your legacy for?

Thrivent can help you plan your finances for the people, causes and communites you love.

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Want to know which two key economic indicators Thrivent’s Chief Financial & Investment Officer, David Royal, will be watching in 2026? Hear his thoughts: https://bit.ly/4qryL1x

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Want to know which two key economic indicators Thrivent’s Chief Financial & Investment Officer, David Royal, will be watching in 2026? Hear his thoughts: https://bit.ly/4qryL1x

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Navigating Job Loss: The Questions No One’s Asking You “Just get another job.” If I had a dollar for every time someone offered this advice after a layoff, I’d have… well, probably enough to cover a month’s rent. Here’s the thing: you already know you need another job. What you actually need is a framework for figuring out what comes next. The questions worth sitting with: On the work itself: - Did I actually enjoy what I was doing before? - If yes → Who else is hiring for this? What companies align with my values and skill level? - If no → What industry has been quietly calling my name? What would it take to pivot? On your financial reality: - How many months of runway do I have if I’m intentional about my spending? - Do I need to pause or reduce my IRA contributions temporarily? (Yes, this is allowed. Your future self will understand.) - What’s my actual “need to earn” number vs. my “nice to earn” number? On the bigger picture: - What support do I need right now—financial, emotional, practical? - Who in my network can I actually talk to (not just LinkedIn connect with)? Here’s what I want you to remember: Personal finance isn’t just about making your bank account bigger. It’s about building a plan sturdy enough to weather life’s disruptions-because they will come. Job loss. Health changes. Family shifts. Economic downturns. The goal was never to avoid these moments. The goal is to have something solid to point back to when they happen. You’re not starting over. You’re navigating a change. There’s a difference. What’s one question you wish someone had asked you during a major life transition?👇 If you find yourself in a season of transition, let’s connect. Would love to offer you a second pair of eyes and ears to help you navigate this time. Please see Thrivent.com/social for important disclosures

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Navigating Job Loss: The Questions No One’s Asking You “Just get another job.” If I had a dollar for every time someone offered this advice after a layoff, I’d have… well, probably enough to cover a month’s rent. Here’s the thing: you already know you need another job. What you actually need is a framework for figuring out what comes next. The questions worth sitting with: On the work itself: - Did I actually enjoy what I was doing before? - If yes → Who else is hiring for this? What companies align with my values and skill level? - If no → What industry has been quietly calling my name? What would it take to pivot? On your financial reality: - How many months of runway do I have if I’m intentional about my spending? - Do I need to pause or reduce my IRA contributions temporarily? (Yes, this is allowed. Your future self will understand.) - What’s my actual “need to earn” number vs. my “nice to earn” number? On the bigger picture: - What support do I need right now—financial, emotional, practical? - Who in my network can I actually talk to (not just LinkedIn connect with)? Here’s what I want you to remember: Personal finance isn’t just about making your bank account bigger. It’s about building a plan sturdy enough to weather life’s disruptions-because they will come. Job loss. Health changes. Family shifts. Economic downturns. The goal was never to avoid these moments. The goal is to have something solid to point back to when they happen. You’re not starting over. You’re navigating a change. There’s a difference. What’s one question you wish someone had asked you during a major life transition?👇 If you find yourself in a season of transition, let’s connect. Would love to offer you a second pair of eyes and ears to help you navigate this time. Please see Thrivent.com/social for important disclosures

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When you’re juggling big priorities—saving for a home, paying down debt or supporting a growing family—investing is easy to push to the bottom of the list. But here’s why it deserves your attention. 👇 Even small, steady contributions can grow meaningfully over time thanks to compound growth. The earlier you begin and the more consistent you are, the greater your long-term potential. Learn more: https://bit.ly/4aS7iRG

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When you’re juggling big priorities—saving for a home, paying down debt or supporting a growing family—investing is easy to push to the bottom of the list. But here’s why it deserves your attention. 👇 Even small, steady contributions can grow meaningfully over time thanks to compound growth. The earlier you begin and the more consistent you are, the greater your long-term potential. Learn more: https://bit.ly/4aS7iRG

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January is Financial Fitness Month 💪 Just like your physical health, your financial health needs regular check-ups. You can’t improve what you don’t measure, and you can’t fix what you won’t face. Think about it: We nurture our relationships, invest in our education, prioritize our health, and show up for our families. Our finances deserve that same intentional attention. Don’t wait for a crisis to look at your financial picture. The best time to assess your financial health is when things are stable – not when problems force your hand. This January, commit to facing your finances head-on: ∙ Review your spending patterns ∙ Check your emergency fund ∙ Assess your debt situation ∙ Revisit your savings goals ∙ Look at your investment strategy Small insights today can prevent big problems tomorrow. Your future self will thank you for the courage you show right now. Ready to get financially fit? I’m offering complimentary financial reviews to help you start the year strong. Connect with me through my website (link in bio) or email me directly at tiffany.wedde@thrivent.com. Let’s make this the year you take control. Please see Thrivent.com/social for important disclosures #thrivent #wheremoneymeansmore #financialclarity #financialhealth #womenandmoney

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January is Financial Fitness Month 💪 Just like your physical health, your financial health needs regular check-ups. You can’t improve what you don’t measure, and you can’t fix what you won’t face. Think about it: We nurture our relationships, invest in our education, prioritize our health, and show up for our families. Our finances deserve that same intentional attention. Don’t wait for a crisis to look at your financial picture. The best time to assess your financial health is when things are stable – not when problems force your hand. This January, commit to facing your finances head-on: ∙ Review your spending patterns ∙ Check your emergency fund ∙ Assess your debt situation ∙ Revisit your savings goals ∙ Look at your investment strategy Small insights today can prevent big problems tomorrow. Your future self will thank you for the courage you show right now. Ready to get financially fit? I’m offering complimentary financial reviews to help you start the year strong. Connect with me through my website (link in bio) or email me directly at tiffany.wedde@thrivent.com. Let’s make this the year you take control. Please see Thrivent.com/social for important disclosures #thrivent #wheremoneymeansmore #financialclarity #financialhealth #womenandmoney

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Christmas and debt: 6 tips to quickly pay down holiday debt

Holiday debt got you down?  ➡️ Shift your new year's focus to finding your way out of it.

Holiday debt got you feeling not-so-merry? Use these six tips to get yourself out of the ho-ho-hole—fast.

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Start 2026 with Intention: The Power of Writing Down Your Goals There’s something powerful about putting pen to paper. Studies show we’re significantly more likely to achieve our goals when we write them down and can see them regularly. This year, I’m using a journal that perfectly captures my mindset: “I’m Only Getting Richer and Prettier” by @richerandprettier. It’s become my favorite tool for daily gratitude and setting clear, measurable goals with actionable steps. My mission is to help people find financial clarity and yes, become richer—especially in the things that truly matter. To earn more, save more, plan better, and give generously. To take care of the people and causes closest to your heart. When you have the financial freedom to do what matters most, something remarkable happens. You gain peace of mind AND the ability to make a real difference. Living the life you’ve dreamed of while giving back? That’s the kind of richness worth pursuing. What are you writing down this year? What goals are you setting with intention? Please see Thrivent.com/social for important disclosures #NewYearGoals #FinancialClarity #Journaling #IntentionalLiving #GoalSetting #FinancialFreedom #GratitudePractice #2026Goals

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Start 2026 with Intention: The Power of Writing Down Your Goals There’s something powerful about putting pen to paper. Studies show we’re significantly more likely to achieve our goals when we write them down and can see them regularly. This year, I’m using a journal that perfectly captures my mindset: “I’m Only Getting Richer and Prettier” by @richerandprettier. It’s become my favorite tool for daily gratitude and setting clear, measurable goals with actionable steps. My mission is to help people find financial clarity and yes, become richer—especially in the things that truly matter. To earn more, save more, plan better, and give generously. To take care of the people and causes closest to your heart. When you have the financial freedom to do what matters most, something remarkable happens. You gain peace of mind AND the ability to make a real difference. Living the life you’ve dreamed of while giving back? That’s the kind of richness worth pursuing. What are you writing down this year? What goals are you setting with intention? Please see Thrivent.com/social for important disclosures #NewYearGoals #FinancialClarity #Journaling #IntentionalLiving #GoalSetting #FinancialFreedom #GratitudePractice #2026Goals

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Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

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Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

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For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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