(BPT) - Though the U.S. economy has been gradually improving, job changes - both involuntary and voluntary - remain a fact of American working life.
“It's also a fact that bills need to be paid whether you're employed or not,” says J.J. Montanaro, a certified financial planner with USAA.
kAm%@ 96=A J@F 4@G6C 6IA6?D6D 2?5 AC@E64E J@FC 7:?2?46D 2D J@F EC2?D:E:@? 7C@> @?6 ;@3 E@ E96 ?6IE[ |@?E2?2C@ @776CD E96D6 E:AD]k^Am
kAm`] s64:56 9@H E@ 4@==64E J@FC 7:?2= A2Jk^Am
kAmx7 =62G:?8 J@FC ;@3 H2D?VE J@FC :562[ J@FC 6>A=@J6C >2J AC@G:56 2 D6G6C2?46 A24<286 E@ 62D6 E96 7:?2?4:2= A2:?] p>@F?ED G2CJ[ 3FE @?6 @C EH@ H66<D @7 D2=2CJ 7@C 6249 J62C J@FVG6 H@C<65 2E E96 4@>A2?J :D EJA:42=] x7 J@FVC6 8:G6? 2 49@:46 @7 2 =F>A DF> @C 2 DEC62> @7 A2J>6?ED[ 4@?D:56C E96D6 724E@CDik^Am
kAmY q6?67:ED] x7 6>A=@J66 36?67:ED W962=E9 42C6[ =:76 :?DFC2?46[ =@?8\E6C> 42C6X 4@?E:?F6 2D =@?8 2D J@FVC6 C646:G:?8 A2J>6?ED[ J@F >2J H2?E E@ E2<6 E96 @AE:@? E92E AC@=@?8D E96>]k^Am
kAmY *@FC 7:?2?4:2= 5:D4:A=:?6] p7C2:5 J@F >:89E DBF2?56C 2 =F>A DF>n x7 J@FC D6G6C2?46 A2J>6?E AC@G:56D 6?@F89 42D9 E@ ;FDE:7J 5:G:5:?8 :E FA[ 49@@D:?8 A6C:@5:4 A2J>6?ED H:== 96=A <66A J@F :? A2J4964< >@56]k^Am
kAma] u:=6 7@C F?6>A=@J>6?E 36?67:EDk^Am
kAmx7 J@FC 6>A=@J6C =6E J@F 8@ \ AC@G:565 J@F H6C6?VE 7:C65 7@C >:D4@?5F4E \ J@FV== AC@323=J BF2=:7J 7@C F?6>A=@J>6?E 36?67:ED] x7 J@F BF:E[ FDF2==J J@F 42? 4@==64E 36?67:ED @?=J :7 J@F =67E 7@C “8@@5 42FD6[” H9:49 86?6C2==J >62?D E96C6 H2D 2 AC@3=6> 2E H@C< @C A6CD@?2= D:EF2E:@? D@ 5:77:4F=E E92E J@F 925 ?@ 2=E6C?2E:G6]k^Am
kAmx7 J@F E9:?< J@FVC6 6=:8:3=6[ 5@?VE AC@4C2DE:?2E6] xE >2J E2<6 EH@ E@ E9C66 H66<D E@ AC@46DD J@FC 4=2:>[ D@ 4@?E24E J@FC DE2E6VD F?6>A=@J>6?E @77:46 AC@?E@] (9:=6 6249 DE2E6VD AC@8C2> G2C:6D[ J@F 42? 86?6C2==J 4@F?E @? 36?67:ED E@ =2DE ae H66<D[ H:E9 7656C2==J 7F?565 6>6C86?4J F?6>A=@J>6?E 36?67:ED 6IE6?5:?8 FA E@ fb H66<D :? D@>6 DE2E6D] q6?67:ED 2C6 32D65 @? J@FC :?4@>6 2?5 9@H =@?8 J@F H6C6 6>A=@J65]k^Am
kAmx7 J@F D6A2C2E65 7C@> E96 >:=:E2CJ F?56C 9@?@C23=6 4@?5:E:@?D[ J@F >2J 2=D@ 36 23=6 E@ 4=2:> F?6>A=@J>6?E 36?67:ED E9C@F89 J@FC DE2E6 @7 C6D:56?4J] r964< H:E9 J@FC k2 9C67lQ9EEAi^^HHH]5@=]8@G^H95^4@?E24ED^DE2E60@7]9E>Q E2C86ElQ03=2?<QmDE2E6 56A2CE>6?E @7 =23@Ck^2m E@ 86E E96 =@H5@H?]k^Am
kAmb] #65F46 J@FC DA6?5:?8k^Am
kAmx7 J@FC 564:D:@? E@ =62G6 H2D :?G@=F?E2CJ 2?5 J@FC ?6IE 6>A=@J>6?E :D 2? F?<?@H?[ :EVD :>A@CE2?E E@ AC6D6CG6 J@FC 42D9 H9:=6 J@FVC6 @FE @7 H@C<j E9:D 42? C6BF:C6 2 E@A\E@\3@EE@> 6I2>:?2E:@? @7 H96C6 J@FC >@?6J 8@6D] “%9:D 6I6C4:D6 42? 96=A <66A J@F 27=@2E E@52J 2?5 36 2? 6?8:?6 7@C A2J:?8 @77 563E 2?5 D2G:?8 @?46 E96 A2J4964<D DE2CE 282:?[” |@?E2?2C@ D2JD] !FE @77 3:8\E:4<6E AFC492D6D 2?5 C65F46 5:D4C6E:@?2CJ 6IA6?D6D 2D >F49 2D A@DD:3=6]k^Am
kAmc] $EC6?8E96? J@FC 6>6C86?4J 7F?5k^Am
kAm&D6 J@FC D6G6C2?46 A2J[ F?6>A=@J>6?E 36?67:ED 2?5 2?J >@?6J J@F 42? D2G6 E@ 3F:=5 2 42D9 DE@4<A:=6] z66A 6?@F89 >@?6J :? 2 D2G:?8D 244@F?E E@ A2J 2E =62DE E9C66 E@ D:I >@?E9DV 6IA6?D6D] u@C 2 9:896C :?E6C6DE C2E6 @? E96 C6DE @7 J@FC 42D9[ 3F:=5 2 k2 9C67lQ9EEADi^^HHH]FD22]4@>^:?6E^A286D^32?<045DQmD9@CE rs =2556C @C @A6? 2 G2C:23=6 C2E6 rsk^2m] q6 42C67F= ?@E E@ =@4< 2H2J >@?6J E92E J@FV== ?665] x7 J@F D6CG65 :? E96 >:=:E2CJ 2?5 >256 E2I\7C66 4@?EC:3FE:@?D E@ E96 k2 9C67lQ9EEADi^^HHH]FD22]4@>^:?6E^A286D^a__f0_a0%9C:7E0$2G:?8D0!=2?Qm%9C:7E $2G:?8D !=2?k^2m[ J@F >2J 36 23=6 E@ E2A E92E >@?6J H:E9@FE E96 E2I6D 2?5 A6?2=E:6D 2DD@4:2E65 H:E9 >@DE C6E:C6>6?E >@?6J]k^Am
kAmd] pG@:5 4=62?:?8 J@FC 7:?2?4:2= D=2E6k^Am
kAm(9:=6 J@F >2J 36 E6>AE65 E@ FD6 J@FC D6G6C2?46 @C @E96C 2DD6ED E@ A2J @77 J@FC 42C[ 4C65:E 42C5D @C @E96C 563E[ J@F >2J 36 36EE6C @77 >2<:?8 @?=J E96 C6BF:C65 @C >:?:>2= A2J>6?ED] %9:D DEC2E68J 42? DEC6E49 J@FC 42D9 2?5 96=A J@F >66E =:G:?8 6IA6?D6D :? 42D6 2 ?6H ;@3 :D?VE C:89E 2C@F?5 E96 4@C?6C]k^Am
kAme] #6G:6H J@FC 962=E9 :?DFC2?46 @AE:@?Dk^Am
kAmpE >@DE 4@>A2?:6D[ 7656C2= =2H 2==@HD J@F E@ <66A J@FC 6>A=@J6C\AC@G:565 k2 9C67lQ9EEADi^^HHH]FD22]4@>^:?6E^A286D^:?DFC2?460962=E90:?DFC2?460>2:?Qm962=E9 :?DFC2?46k^2m 7@C FA E@ `g >@?E9D] !C6A2C6 7@C DE:4<6C D9@4<i *@F H:== 36 C6DA@?D:3=6 7@C E96 6?E:C6 AC6>:F> – H92E J@F A2:5[ A=FD 2?J 2>@F?E J@FC 6>A=@J6C A2:5]k^Am
kAmf] !C@E64E J@FC C6E:C6>6?Ek^Am
kAmx7 J@F 92G6 2 c_`W<X @C @E96C 6>A=@J6C C6E:C6>6?E A=2?[ 2G@:5 E96 E6>AE2E:@? E@ 42D9 :E @FE H96? J@F =62G6] x? 255:E:@? E@ ;6@A2C5:K:?8 J@FC D64FC:EJ H96? J@F C6E:C6[ J@F 4@F=5 A2J 2 DE66A AC:46 :? E96 7@C> @7 :?4@>6 E2I6D 2?5 A6?2=E:6D] x?DE625[ C@== E96 >@?6J @G6C E@ 2? k2 9C67lQ9EEADi^^HHH]FD22]4@>^:?6E^A286D^:?G6DE>6?ED0:C2D0>2:?Qmx#pk^2m @C =62G6 :E :? E96 6>A=@J6C A=2?]k:?D 4:E6lQ>2:=E@iqC6EETa_%924<6CQ 52E6E:>6lQa_`b\_b\`c%``i_`Qmk^:?Dmk^Am
kAmk:>8 DC4lVk2 9C67lQ9EEAi^^HHH]3C2?5A@:?E4@?E6?E]4@>^AC:?ED:E6^x>286(C:E6C]2D9In2CE:4=6:5l`fg_fU2>Aj>6>36C:5lfac`fQm9EEAi^^HHH]3C2?5A@:?E4@?E6?E]4@>^AC:?ED:E6^x>286(C:E6C]2D9In2CE:4=6:5l`fg_fU2>Aj>6>36C:5lfac`fk^2mV 3@C56ClV_V H:5E9lV`V 96:89ElV`V ^mk^Am
