The Future Is Yours: How to Set Yourself Up for Success

Sometimes it’s hard to see the bigger picture.
We get so caught up in the daily grind that taking a broader perspective seems downright daunting.
With our busy lives and crazy schedules, the here and now trumps the faraway future.
But planning for success doesn’t happen overnight. It takes time and foresight.
Lucky for you, getting started involves just a few small steps.

Start Saving Now
Living paycheque to paycheque might work when you’re fresh out of university or college, but soon enough this lifestyle will
grow old and tired. Eventually, you’re going to want to get married, buy a house, or maybe even have some babies.
One thing these three life goals have in common: They’re expensive. Open a savings account now
and start putting some money aside every month. A little bit adds up over time.

Take Advantage of Benefits
Don’t take those work benefits for granted. Also speak to your HR representative about additional benefit options.
You might be able to get a gym membership for free or a transit pass at a reduced rate.

Spend Smart
Pay attention to where your pocket change goes. A latte here and a slice of pizza there doesn’t seem like much,
but these seemingly small spends add up. Minor changes can help you save every day. Make coffee at home
and bring your lunch to work. By the end of the week, you’ll find that you have extra money in your wallet.

To see if your retirement savings are on track, use TD’s online retirement readiness tool at