KRS Wealth Management

06/17/2026

It's Wealth Building Wednesday!

20/4/10 Rule

This rule is commonly applied when financing a car.

Put at least 20% down
Do not finance the vehicle for more than 4 years
Keep your total auto expenses below 10% of your gross monthly income

06/15/2026

Identity theft can disrupt more than just your accounts — it can take time and effort to resolve.

Being proactive and knowing early warning signs can help reduce exposure. This article outlines practical actions individuals can take to help protect themselves.

We encourage clients to view prevention as part of their overall financial well being.

Understanding the different types of identity theft is key to protecting yourself. Learn more about prevention and how Ameriprise helps protect your information.

06/12/2026

It's Funny Financial Friday!

I’ll go 3-4 days without spending money and be so proud of myself. Then, I’ll blow $200 in 1 hour on day 5!

Financial discipline and sticking to your “Spending Plan” isn’t always easy. It’s okay to “fall off the wagon” occasionally. Don’t be too hard on yourself.

Fall down seven times, get up EIGHT!

06/10/2026

It's Wealth Building Wednesday!

Ironically, some of the biggest financial decisions have nothing to do with money.

a. Who you marry
b. How’s your health
c. What do you do in your free time
d. What does your circle look like

Sometimes the most expensive “things” have nothing to do with money!

.KRSWM.com

06/08/2026

It's Money Counting Monday!

The Treasury Department recently announced that they will stop issuing paper checks for Social Security benefits this year. However, they did not provide an exact timeline for the change. The change is being made to improve efficiency, reduce costs, and enhance security.

Anyone still receiving payments via a paper check should contact the Social Security Administration as soon as possible to change their payment information.

The Social Security Administration provides these steps to make the switch:

• Create or sign in to your 'my Social Security account'.

• Enter your bank account
information to get your payment as a direct deposit.

• You can request that your financial institution electronically send your direct deposit information to Social Security.

• If you don’t have a bank account, you can receive electronic payments deposited on a prepaid debit card by enrolling in the Direct Express program.

• For additional information please visit godirect.gov or call 1-800-967-6857.

06/05/2026

It’s Funny Financial Friday!

I’m completely open to split the finances with my spouse...

I will happily pay for all the vacations, all the dinners, and all the shopping. Then, he can pay the credit card that I put it all on!

06/03/2026

It's Wealth Building Wednesday!

Wealth isn’t just one BIG move. Often, it’s a series of small decisions made consistently over time.

Start early AND stay consistent

.KRSWM.com

06/01/2026

It's Money Counting Monday!

Most people are great at budgeting until it’s on sale, or it’s our anniversary, or it’s the kid’s birthday, or we’re going on vacation. Two, or several things, can be true at the same time.

You can do all those things and still budget. It takes intention and discipline.

05/29/2026

It's Funny Financial Friday!

If your significant other tells you to lower your spending, ask the salesperson to place the credit card machine on the floor! Continue to follow me for more life hacks!

05/27/2026

It's Wealth Building Wednesday!

Five Ways to increase your Net Worth
1.) Increase your income
2.) Reduce Expenses
3.) Build Assets
4.) Reduce Liabilities
5.) Leverage Tax Advantages

.KRSWM.com