Blue Cross® Virtual Well-Being

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Paying

Yourself First

Presented by: Jeff Rubleski, MBA, CFP ®

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

The information in this presentation is intended only as

an educational tool and for general informational

purposes. It is not intended to, nor shall it, constitute

specific financial advice or services. You should seek

the advice of your own financial consultant or other

expert consultants regarding your individual financial

wellness condition and what steps could possibly be

taken to improve it.

Blue Cross® Virtual Well-Being

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“The biggest financial mistakes I’ve made as an adult have

happened when I’ve failed to follow my own advice.”

— Jeff Rubleski, MBA, CFP®

The webinar will begin shortly.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

“I never want money to dictate what I can and can’t do in life.”

— Jessica Moorhouse

The webinar will begin shortly.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

The webinar will begin momentarily.

Please stand by …

• If you have a question or want to respond to the presenter, click the raised hand icon.

• Download your slide handouts from the GoToWebinar panel.

If you have technical difficulties or questions, call GoToWebinar at 1-888-646-0014.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Blue Cross® Virtual Well-Being

Welcome to Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

The session will begin at 12 p.m.

This is an interactive

session.

Minimize distractions.

There will be a Q&A at the end

of the session.

“The journey of a thousand miles must begin with a single

step.”

— Lao Tzu

The webinar will begin shortly.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Blue Cross® Virtual Well-Being

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“A budget is people telling their money where to go instead of

wondering where it went.”

— Dave Ramsey

The webinar will begin shortly.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Blue Cross® Virtual Well-Being

8

Paying

Yourself First

Presented by: Jeff Rubleski, MBA, CFP ®

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

The information in this presentation is intended only as

an educational tool and for general informational

purposes. It is not intended to, nor shall it, constitute

specific financial advice or services. You should seek

the advice of your own financial consultant or other

expert consultants regarding your individual financial

wellness condition and what steps could possibly be

taken to improve it.

Navigating Personal Challenges, Part 1

• June 13, 2019

• 12 to 12:20 p.m.

Mark your calendar

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations

and independent licensees of the Blue Cross and Blue Shield Association. 10

Join us for our next weekly meditation

session on your computer or mobile device.

Topic: Visualization Meditation

Wednesday, June 12, 2019

8 to 8:10 a.m. Eastern time

Register today.

Paying Yourself First

Today’s

Presenter

Jeff Rubleski, MBA, CFP®

Director, Sales Strategy

Blue Cross Blue Shield of

Michigan

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Why Paying Yourself

First is Important

Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Short-term goals:

Creating an emergency fund

Payment toward rent, insurance, student loans

Credit card debt payments

Vacations or travel

Minor repairs and home improvements

Long-term goals:

Retirement fund

Mortgage payments

Saving for children’s tuition

Purchasing a vehicle

Saving for a down payment

Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Tips on how to start paying yourself first

Create a monthly budget. Determine your monthly income vs. expenses.

Set a goal for how much you’d like to pay yourself each pay period. Having a monthly budget will help you to estimate how much you can set aside.

Find out if your employer will allow you to devote your goal amount to a separate bank account through payroll deduction.

Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Automatic contributions

If you choose a health insurance plan that qualifies for an health savings account, consider funding this account through payroll deduction to save on income taxes and build savings to pay for qualified medical expenses.

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If your employer offers a retirement benefit, find out if there is an employer match. Most employers will offer some type of a matching contribution only if you contribute.

Invest for the long-run by choosing investments that will deliver long-term growth. Don’t focus on the daily financial market changes.

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Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

What can Blue Cross do to help?

01

02

Download our free mobile app for use on your cell phone by entering Blue Cross Blue Shield of Michigan in your app store.

Go to bcbsm.com and review the money saving health products and services offered through Blue365®. You’ll find member savings on in-demand services such as gym memberships, weight loss programs and more.

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

Next session:Navigating Personal Challenges,

Part 1

Date: June 13, 2019

Time: 12 to 12:20 p.m.

Keeping life’s basics in mind helps us steer in the right direction even when the going gets tough. Guest speaker Alejandra Juarez from New Directions Behavioral Health helps you reflect on how personal strengths and resilience aid in navigating tough times.

Paying Yourself First

Questions?

Paying Yourself First

Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.