real perspectives with MassMutual.

real perspectives with massmutual.
This post was sponsored by Massachusetts Mutual Life Insurance Company (MassMutual). All opinions are my own. I believe in their mission and chose to work with them on this campaign because financial savviness is key to long-term success -- for everyone. 

Happy almost 2017! You may have noticed me talking about this financial savviness quiz over on Instagram or Facebook in the last few weeks. I have a different perspective than most in the financial arena because my husband works with numbers all day long. (I expect my 9 out of 11 performance on this quiz, though not perfect, is due to him.) The caveat is that we know we have much, much work to do with our finances. The last few years have been foggy with new houses, new babies, and new jobs. 2017 is the year we straighten up. Thanks to MassMutual, we've gotten a head start.

Whether you're 24 or 31, it is sometimes hard to envision life at 58 or 73. How are you supposed to know what you're saving for when you don't know what life holds? This was one of the most eye-opening parts of working with MassMutual on this campaign. Stowing away cash for the future isn't always easy when you have your eyes set on things in present day (like a new handbag or a hospital bill). I think millenials (myself included) aren't as focused on tomorrow, as we are on today.

We did a reasonable job of contributing to our 401(k) accounts in our 20s, thanks to working for companies which offered strong matches. 401(k) accounts are easy: with direct deposit, you never actually get your paws on the cash. Padding savings accounts can be much tougher, when you have those day-to-day expenditures in front of you. However, I wish I'd read this article in my mid-20s about monthly contributions to a savings account. Let's just say there is a VAST difference to starting your savings accounts at age 22 vs. 32. (My jaw hit the floor when I saw the numbers.)


Looking to read up some more? This to-do list for retirement is a must. 401(k) accounts are not the end-all and be-all; there are plenty of other options at your fingertips. It also provides an important guide to determining what your expenses could be in retirement. Though it feels light years away, I've learned in parenthood that years are fleeting. Remembering our children in this entire financial equation is fodder for an entirely separate post. It's not just me, it's not just my husband and me, it's US. We want to be able to provide so much for their future as well. Starting now is a much better plan...

If you haven't already, I really encourage you to take a peek at this quiz. Whether you get a failing score or a perfect one, your future self will thank you. The end of an old year and the start of a new one is the perfect time to re-evaluate. Many thanks to MassMutual for encouraging this shift in my thinking -- and for revealing the places where we can better our financial health for the years (we hope are) ahead of us. Here's to a 2017 with bigger and better goals! xoxo {av}

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    1. Hello,
      I Read the article of a very great spell caster and it seems very helpful
      to me. I haven’t had the chance to have a proper relationship with my ex
      because we work together. This will be the final week or work and then I
      wont be around him constantly. Unfortunately, I broke one of the rules in
      the article and have been sleeping with him. Something I’m not proud of,
      especially since he has a girlfriend. Not to mention that she’s a girl he
      dated off and on for 3 years before he dated me.
      When I asked him why he kept sleeping with me even though he was in a
      relationship, his response was because I wanted it, and he wants me to be
      happy. But obviously what would make me happy would be to have him all to
      myself. That was when i read about Dr alexzander on how he help people in
      saving their relationship and i was really desperate for his help. There
      were things in our relationship that were tough. We traveled for 4 months
      right in the beginning, and it was hard due to different expectations. When
      we returned our living situation was unstable which caused a lot of stress
      on my end. And when I ask why he didn’t give me a chance to make things
      better he said he gave me tons of chances. Oh, and he compared our
      relationship with his past. He says that things were great, and then they
      went bad really fast, and that why his back with is Ex. Because it at least
      took them years for things to get that bad. So i was very sad and
      disappointing and decided to contact this spell caster for help with tears
      running out of my eyes and Dr alexzander promised to make things right in
      my relationship and also assured me that my boyfriend is going to come back
      to me within 78hrs. At first i was shock and didn't believe him because i
      thought it was impossible to do. But i gave it a try and trusted him. Dr
      alexzander asked for my details and his, then guarantee me of his return.
      Truly my ex lover started calling me and also begging me to forgive him and
      that's his willing to give us a second chance, then promised me never to
      love any other woman apart from me. it all seem like a miracle to me till
      now. Dr alexzander. Words can't express how i feel right now. it been 2
      month now since you caste that love spell for me and nothing have gone bad
      between us. his now caring more than ever and also the loving kind of Man i
      have ever wanted for myself in life. I thank you Dr alexzander for saving
      my relationship. Indeed you are the best. I want to use this media to share
      my testimony for the whole world to see and know that there is still hope
      in your broken relationship, No matter how bad it seems don't give up hope
      and also contact this man who saved my own. you can reach him through his
      website address http://alexzanderhightemple-com.webs.com or contact him
      direct with his email address alexzanderhightemple@gmail.com. I thank you
      Dr alexzander for helping me and i will always share my testimony in every
      social media or place i may go to.
      (From United State Of America).
      Mrs Tracy Grilli.
      http://tracygrilli.blogspot.com.tr
      https://tracygrilli59.blogspot.com

      Delete
  3. Replies
    1. Hello,
      I Read the article of a very great spell caster and it seems very helpful
      to me. I haven’t had the chance to have a proper relationship with my ex
      because we work together. This will be the final week or work and then I
      wont be around him constantly. Unfortunately, I broke one of the rules in
      the article and have been sleeping with him. Something I’m not proud of,
      especially since he has a girlfriend. Not to mention that she’s a girl he
      dated off and on for 3 years before he dated me.
      When I asked him why he kept sleeping with me even though he was in a
      relationship, his response was because I wanted it, and he wants me to be
      happy. But obviously what would make me happy would be to have him all to
      myself. That was when i read about Dr alexzander on how he help people in
      saving their relationship and i was really desperate for his help. There
      were things in our relationship that were tough. We traveled for 4 months
      right in the beginning, and it was hard due to different expectations. When
      we returned our living situation was unstable which caused a lot of stress
      on my end. And when I ask why he didn’t give me a chance to make things
      better he said he gave me tons of chances. Oh, and he compared our
      relationship with his past. He says that things were great, and then they
      went bad really fast, and that why his back with is Ex. Because it at least
      took them years for things to get that bad. So i was very sad and
      disappointing and decided to contact this spell caster for help with tears
      running out of my eyes and Dr alexzander promised to make things right in
      my relationship and also assured me that my boyfriend is going to come back
      to me within 78hrs. At first i was shock and didn't believe him because i
      thought it was impossible to do. But i gave it a try and trusted him. Dr
      alexzander asked for my details and his, then guarantee me of his return.
      Truly my ex lover started calling me and also begging me to forgive him and
      that's his willing to give us a second chance, then promised me never to
      love any other woman apart from me. it all seem like a miracle to me till
      now. Dr alexzander. Words can't express how i feel right now. it been 2
      month now since you caste that love spell for me and nothing have gone bad
      between us. his now caring more than ever and also the loving kind of Man i
      have ever wanted for myself in life. I thank you Dr alexzander for saving
      my relationship. Indeed you are the best. I want to use this media to share
      my testimony for the whole world to see and know that there is still hope
      in your broken relationship, No matter how bad it seems don't give up hope
      and also contact this man who saved my own. you can reach him through his
      website address http://alexzanderhightemple-com.webs.com or contact him
      direct with his email address alexzanderhightemple@gmail.com. I thank you
      Dr alexzander for helping me and i will always share my testimony in every
      social media or place i may go to.
      (From United State Of America).
      Mrs Tracy Grilli.
      http://tracygrilli.blogspot.com.tr
      https://tracygrilli59.blogspot.com

      Delete
  4. My life is back!!! After 3 years of broken marriage, my husband left me with three kids. I felt like my life was about to end i almost committed suicide. Thanks to Doctor Ehimen who i met online as i was browsing through the internet, I came across allot of testimonies about him. Some people testified that he brought their Ex lover back, he restores womb, stop divorces, cure cancer and other sickness. I also come across one particular testimony by Sarah who lives in Finland saying how he brought back her Ex husband after 3 years of divorce. After reading all these, I decided to give it a try. I contacted him and explained my problem to him. In just 12 to 16 hours, my husband came back to me pleading and we resolved our issues and we are even happier than before. Doctor Ehimen is really gifted and i will not stop publishing about his good works. If you have any problem, contact him now for he might be the answer to your problems. Email: ( Doctorehimenspelltemple@hotmail.com )

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  5. Hello every one out here....
    I'm from North Carolina USA. i want to use this opportunity to thank my great spell caster who really made my life a pleasurable today. This great man Dr. Ogbefi brought my husband back to me, i had three lovely kids for my husband, about four years ago i and my husband has been into one quarrel or the other until he finally left me for one lady. i felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, until one day i met a good friend of mine that was also in a situation like me but her problem was her ex-boyfriend who she had an unwanted pregnancy for and he refused to take responsibility and dumped her. she told me that mine was a small case and that i should not worry about it at all, so i asked her what was the solution to my problems and she gave me this great man email address. i was doubting if this man was the solution, so i contacted this great man and he told me what to do and i deed them all, he told me to wait for just two day and that my husband will come crawling on his kneels just for forgiveness so i faithfully deed what this great man asked me to do and for sure after two days i heard a knock on the door, in a great surprise i saw him on his kneels and i was speechless, when he saw me, all he did was crying and asking me for forgiveness, from that day, all the pains and sorrows in my heart flew away,since then i and my husband and our lovely kids are happy.that's why i want to say a big thank you to solutionoflovespelltemple@hotmail.com. This great man made me to understand that there is no problem on earth that has no solution so please if you know that you have this same problem or any problem that is similar, i will advise you to come straight to this great man. you can email him at: solutionoflovespelltemple@hotmail.com And also Reach him on WhatsApp Number: +2349057915709 Thanks Dr. Ogbefi solutionoflovespelltemple@gmail.com

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  6. A man I have loved for over three years left me for a lady he met some weeks ago. According to his Facebook post, he is already planning to marry because she is good looking, he distanced himself from me and blocked me from contacting him.
    He forgot so soon how we suffered together and vows never to leave each other, how I helped him recover from emotional instability and stress after his divorce, how I made his son who hated him so much speak to him again and made peace with him, he forgot how I cured him from a crazy bender which almost took his life.
    He made me deny all my suitors by promising to marry me. I did not know what was wrong with him or if the new lady has done some voodoo on him. I became disappointed with myself for being a victim, for allowing him pay me back in such a disgraceful manner.
    I was emotionally and physically hurt when I took the matter to dr. wakina love spell temple through his email [dr.wakinalovetemple@gmail.com] not that I did not wish him well, but I wanted Dr. Wakina to search through the spiritual realms to see who he supposed to be with. I love him so much and I wondered how I can live my life without him.
    After the love spell, the man that blocked me unblocked me by himself, rushed to my house, crying and begging for another chance. He deleted link to the lady and vowed to fasten our marriage.
    Am honored the spell was done according to his wish, we are happy together. All thanks to Dr. Wakina love spell temple.

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    1. Hello,
      I Read the article of a very great spell caster and it seems very helpful
      to me. I haven’t had the chance to have a proper relationship with my ex
      because we work together. This will be the final week or work and then I
      wont be around him constantly. Unfortunately, I broke one of the rules in
      the article and have been sleeping with him. Something I’m not proud of,
      especially since he has a girlfriend. Not to mention that she’s a girl he
      dated off and on for 3 years before he dated me.
      When I asked him why he kept sleeping with me even though he was in a
      relationship, his response was because I wanted it, and he wants me to be
      happy. But obviously what would make me happy would be to have him all to
      myself. That was when i read about Dr alexzander on how he help people in
      saving their relationship and i was really desperate for his help. There
      were things in our relationship that were tough. We traveled for 4 months
      right in the beginning, and it was hard due to different expectations. When
      we returned our living situation was unstable which caused a lot of stress
      on my end. And when I ask why he didn’t give me a chance to make things
      better he said he gave me tons of chances. Oh, and he compared our
      relationship with his past. He says that things were great, and then they
      went bad really fast, and that why his back with is Ex. Because it at least
      took them years for things to get that bad. So i was very sad and
      disappointing and decided to contact this spell caster for help with tears
      running out of my eyes and Dr alexzander promised to make things right in
      my relationship and also assured me that my boyfriend is going to come back
      to me within 78hrs. At first i was shock and didn't believe him because i
      thought it was impossible to do. But i gave it a try and trusted him. Dr
      alexzander asked for my details and his, then guarantee me of his return.
      Truly my ex lover started calling me and also begging me to forgive him and
      that's his willing to give us a second chance, then promised me never to
      love any other woman apart from me. it all seem like a miracle to me till
      now. Dr alexzander. Words can't express how i feel right now. it been 2
      month now since you caste that love spell for me and nothing have gone bad
      between us. his now caring more than ever and also the loving kind of Man i
      have ever wanted for myself in life. I thank you Dr alexzander for saving
      my relationship. Indeed you are the best. I want to use this media to share
      my testimony for the whole world to see and know that there is still hope
      in your broken relationship, No matter how bad it seems don't give up hope
      and also contact this man who saved my own. you can reach him through his
      website address http://alexzanderhightemple-com.webs.com or contact him
      direct with his email address alexzanderhightemple@gmail.com. I thank you
      Dr alexzander for helping me and i will always share my testimony in every
      social media or place i may go to.
      (From United State Of America).
      Mrs Tracy Grilli.
      http://tracygrilli.blogspot.com.tr
      https://tracygrilli59.blogspot.com

      Delete
  28. Hello,
    I Read the article of a very great spell caster and it seems very helpful
    to me. I haven’t had the chance to have a proper relationship with my ex
    because we work together. This will be the final week or work and then I
    wont be around him constantly. Unfortunately, I broke one of the rules in
    the article and have been sleeping with him. Something I’m not proud of,
    especially since he has a girlfriend. Not to mention that she’s a girl he
    dated off and on for 3 years before he dated me.
    When I asked him why he kept sleeping with me even though he was in a
    relationship, his response was because I wanted it, and he wants me to be
    happy. But obviously what would make me happy would be to have him all to
    myself. That was when i read about Dr alexzander on how he help people in
    saving their relationship and i was really desperate for his help. There
    were things in our relationship that were tough. We traveled for 4 months
    right in the beginning, and it was hard due to different expectations. When
    we returned our living situation was unstable which caused a lot of stress
    on my end. And when I ask why he didn’t give me a chance to make things
    better he said he gave me tons of chances. Oh, and he compared our
    relationship with his past. He says that things were great, and then they
    went bad really fast, and that why his back with is Ex. Because it at least
    took them years for things to get that bad. So i was very sad and
    disappointing and decided to contact this spell caster for help with tears
    running out of my eyes and Dr alexzander promised to make things right in
    my relationship and also assured me that my boyfriend is going to come back
    to me within 78hrs. At first i was shock and didn't believe him because i
    thought it was impossible to do. But i gave it a try and trusted him. Dr
    alexzander asked for my details and his, then guarantee me of his return.
    Truly my ex lover started calling me and also begging me to forgive him and
    that's his willing to give us a second chance, then promised me never to
    love any other woman apart from me. it all seem like a miracle to me till
    now. Dr alexzander. Words can't express how i feel right now. it been 2
    month now since you caste that love spell for me and nothing have gone bad
    between us. his now caring more than ever and also the loving kind of Man i
    have ever wanted for myself in life. I thank you Dr alexzander for saving
    my relationship. Indeed you are the best. I want to use this media to share
    my testimony for the whole world to see and know that there is still hope
    in your broken relationship, No matter how bad it seems don't give up hope
    and also contact this man who saved my own. you can reach him through his
    website address http://alexzanderhightemple-com.webs.com or contact him
    direct with his email address alexzanderhightemple@gmail.com. I thank you
    Dr alexzander for helping me and i will always share my testimony in every
    social media or place i may go to.
    (From United State Of America).
    Mrs Tracy Grilli.
    http://tracygrilli.blogspot.com.tr
    https://tracygrilli59.blogspot.com

    ReplyDelete