I’ve Got an Emergency Fund and a 401(k) — Do I Need Anything Else?

Two of the most important financial steps you can take are building an emergency fund and contributing to a 401(k) plan. A solid emergency fund can help you take care of life’s little unexpected adventures without going into debt. A 401(k) plan helps you build long-term wealth in a tax-efficient manner in addition to garnering “free money” in the form of employer matching contributions. But if you get the feeling that you need to do more than simply have a savings account and a retirement plan, you’re abs ...