Transcript for How to Make Financial Planning Work for You
real money report. One of the top new year's R resolutions every year is to save money. Now it's time to decide if you really mean it. Rachel Smith looks at how to make it work for you this year. Reporter: Casey and bill. Both 33. Have good jobs. Were never serious about saving. It was always an afterthought. We like to go out and eat. We like to have fun. We spend money on experiences. Reporter: Then their twin daughters came along. After we had the girls, we needed to get in touch with how we were spending our money. Reporter: They wanted extra help and called in financial planner Peter Dunn. Everyone needs financial products. Your financial life gets harder and harder. The sooner you can have someone intervene the better. Reporter: In the past year, millennials were nearly four times as likely to update their social media profiles than they were to review or make adjustments to a retirement plan. The best piece of financial advice I can give people so to determine how much of your income is paying down debt and saving for the future. If you're just consuming your income, you're going to be in trouble. Reporter: Need financial advice on a budget? Some planners take a fee. Others earn a commission on the product you buy. It's a pretty inexpensive way for a lot of young families to get fnl advice. Reporter: What's the the best way to make financial planning work for you? Pete says talk to an adviser when you're young. Track your income. Make sure there's enough to fund your future. Finally, make sure your adviser holds you accountable to your goals. I couldn't stress enough getting on board with someone as herbally as possible. The earlier you can start saving, the better. Reporter: For "Good morning America," Rachel Smith, ABC news, New York. Great advice.
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