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I've got valuable information and resources to share. Explore away! And check back often.

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📆 Mid-month check-in! How are you doing on your August financial goals? 🧭 Here’s a tip: Track 3 things weekly—spending, saving, and upcoming bills. It reduces stress more than you'd expect. (Source: American Psychological Association, 2023) 📎 See thrivent.com/social for important disclosures. #MonthlyCheckIn #MoneyMindset #AugustGoals

📆 Mid-month check-in! How are you doing on your August financial goals? 🧭 Here’s a tip: Track 3 things weekly—spending, saving, and upcoming bills. It reduces stress more than you'd expect. (Source: American Psychological Association, 2023) 📎 See thrivent.com/social for important disclosures. #MonthlyCheckIn #MoneyMindset #AugustGoals

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📚 Back-to-school = Back to spending? Average family back-to-school costs: $890 (NRF 2024) 3 quick ways to cut costs: Shop end-of-season sales Buy used tech or supplies Set a firm limit—and stick to it 🎒 Parents—what’s one trick that’s helped you stay under budget? 📎 See thrivent.com/social for important disclosures. #SmartParenting #BudgetTips #BackToSchool

📚 Back-to-school = Back to spending? Average family back-to-school costs: $890 (NRF 2024) 3 quick ways to cut costs: Shop end-of-season sales Buy used tech or supplies Set a firm limit—and stick to it 🎒 Parents—what’s one trick that’s helped you stay under budget? 📎 See thrivent.com/social for important disclosures. #SmartParenting #BudgetTips #BackToSchool

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📢 "National Financial Awareness Day is coming up on August 14th! Here’s a stat: Only 33% of Americans have a long-term financial plan. (Source: FINRA Investor Education Foundation) 🧠 Let’s change that. What’s one thing you wish you had learned earlier about money? Drop it in the comments! 📎 See thrivent.com/social for important disclosures. #FinancialAwareness #MoneyTips #LetsTalkMoney

📢 "National Financial Awareness Day is coming up on August 14th! Here’s a stat: Only 33% of Americans have a long-term financial plan. (Source: FINRA Investor Education Foundation) 🧠 Let’s change that. What’s one thing you wish you had learned earlier about money? Drop it in the comments! 📎 See thrivent.com/social for important disclosures. #FinancialAwareness #MoneyTips #LetsTalkMoney

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💵 Happy National Dollar Day! Did you know the U.S. dollar was first established in 1786? That single dollar today could be worth $15.65 in 50 years at a 5% return. 📊 The power of compounding is real. What’s the first thing you ever saved money for? 📎 See thrivent.com/social for important disclosures. #DollarDay #FinancialGrowth #CompoundInterest #SmartInvesting

💵 Happy National Dollar Day! Did you know the U.S. dollar was first established in 1786? That single dollar today could be worth $15.65 in 50 years at a 5% return. 📊 The power of compounding is real. What’s the first thing you ever saved money for? 📎 See thrivent.com/social for important disclosures. #DollarDay #FinancialGrowth #CompoundInterest #SmartInvesting

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🚫 Myth: You need to be rich to invest. ✅ Fact: You can start with as little as $25/month. 📣 Let’s bust some more money myths. What’s a money myth you believed growing up? 📎 See thrivent.com/social for important disclosures. #FinanceFriday #MoneyMyths #InvestingMadeSimple

🚫 Myth: You need to be rich to invest. ✅ Fact: You can start with as little as $25/month. 📣 Let’s bust some more money myths. What’s a money myth you believed growing up? 📎 See thrivent.com/social for important disclosures. #FinanceFriday #MoneyMyths #InvestingMadeSimple

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💡 "Money habits beat money hacks. According to a study from Duke University, 45% of our daily decisions are habit-based. What’s a positive money habit that’s helped you grow financially? 💬 Share your go-to habit—or one you’d like to start! 📎 See thrivent.com/social for important disclosures. #MondayMotivation #FinancialHabits #WealthWisdom

💡 "Money habits beat money hacks. According to a study from Duke University, 45% of our daily decisions are habit-based. What’s a positive money habit that’s helped you grow financially? 💬 Share your go-to habit—or one you’d like to start! 📎 See thrivent.com/social for important disclosures. #MondayMotivation #FinancialHabits #WealthWisdom

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📈 How much is your money really worth? If inflation is running at 3% and your savings account earns 1%, you’re losing purchasing power. 🤔 What strategies are you using to stay ahead of inflation? I’d love to hear how others are navigating this too. 📎 See thrivent.com/social for important disclosures. #InflationInsights #SmartSaving #MoneyMatters

📈 How much is your money really worth? If inflation is running at 3% and your savings account earns 1%, you’re losing purchasing power. 🤔 What strategies are you using to stay ahead of inflation? I’d love to hear how others are navigating this too. 📎 See thrivent.com/social for important disclosures. #InflationInsights #SmartSaving #MoneyMatters

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You worked 35+ years and STILL might pay taxes on your Social Security? Yep. If you don’t plan it right, up to 85% of your Social Security could be taxable. That’s after you've already paid into it. There are legal ways to reduce or eliminate that. But no one’s going to do it for you. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: SSA.gov — Social Security Tax Info See thrivent.com/social for important disclosures.

You worked 35+ years and STILL might pay taxes on your Social Security? Yep. If you don’t plan it right, up to 85% of your Social Security could be taxable. That’s after you've already paid into it. There are legal ways to reduce or eliminate that. But no one’s going to do it for you. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: SSA.gov — Social Security Tax Info See thrivent.com/social for important disclosures.

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You lost your top employee last year and still don’t offer any benefits? 80% of employees say they’d stay longer if they had retirement benefits — and it’s one of the most affordable retention tools out there. You’re not a bad boss… you just need a better strategy. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: MetLife Employee Benefit Trends Study 🔗 Read here See thrivent.com/social for important disclosures.

You lost your top employee last year and still don’t offer any benefits? 80% of employees say they’d stay longer if they had retirement benefits — and it’s one of the most affordable retention tools out there. You’re not a bad boss… you just need a better strategy. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: MetLife Employee Benefit Trends Study 🔗 Read here See thrivent.com/social for important disclosures.

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You're telling me you gave the IRS a $40,000 tip last year... on purpose? That’s what happens when business owners don’t leverage retirement plans or advanced tax strategies. SEP IRA. Solo 401(k). Defined Benefit Plan. You’ve got options. You’re working too hard to just hand that money over. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Up to $69,000/year in deductible contributions available. 🔗 IRS Retirement Plan Contribution Limits See thrivent.com/social for important disclosures.

You're telling me you gave the IRS a $40,000 tip last year... on purpose? That’s what happens when business owners don’t leverage retirement plans or advanced tax strategies. SEP IRA. Solo 401(k). Defined Benefit Plan. You’ve got options. You’re working too hard to just hand that money over. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Up to $69,000/year in deductible contributions available. 🔗 IRS Retirement Plan Contribution Limits See thrivent.com/social for important disclosures.

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Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

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For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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