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   Welcome to the Waterfall Method
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    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
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       <!-- Prehead -->
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         Money 101
        </td>
       </tr>
       <!-- Head -->
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        <td style="font-family: 'FuturaPT-Heavy', 'Roboto', Helvetica, Arial, sans-serif; font-size: 34px; line-height: 44px; color:#6c6c6c; padding: 30px 5%; text-align:center; font-weight: 900; letter-spacing: -1px;">
         The Financial Checklist
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       <!-- Body -->
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             Let’s not sugarcoat it: these are weird times. Even if you’re physically healthy - and we sure hope you are - very few of us can say our money hasn’t seen happier times.
             <br/>
             <br/>
             That’s why it’s never been more important to have a financial fitness check. And the good news is we’ve created a simple one. It’s called
             <a style="text-decoration: underline; color: #6c6c6c; white-space: nowrap" target="_blank">
              The Waterfall Method
             </a>
             and includes six important steps that make sense whether your income has taken a hit or seen a windfall from pandemic savings.
             <br/>
             <br/>
             Here are the basic steps of the waterfall:
             <br/>
             <br/>
             <table border="0" cellpadding="0" cellspacing="0" width="100%">
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               <tr>
                <td style="font-family: 'FuturaPT-Book', 'Roboto', Helvetica, Arial, sans-serif; font-size: 19px; line-height: 30px; color:#6c6c6c; padding: 0 5px 10px 0; text-align: left;" valign="top" width="20">
                 1.
                </td>
                <td style="font-family: 'FuturaPT-Book', 'Roboto', Helvetica, Arial, sans-serif; font-size: 19px; line-height: 30px; color:#6c6c6c; padding: 0 0 10px 0; text-align: left;" valign="top">
                 <span style="font-family: 'FuturaPT-Heavy', 'Roboto', Helvetica, Arial, sans-serif;">
                  <strong>
                   Kill your high-interest debt
                  </strong>
                 </span>
                 . Pay off anything at 5% interest (think credit cards) or higher.
                </td>
               </tr>
               <tr>
                <td style="font-family: 'FuturaPT-Book', 'Roboto', Helvetica, Arial, sans-serif; font-size: 19px; line-height: 30px; color:#6c6c6c; padding: 0 5px 10px 0; text-align: left;" valign="top" width="20">
                 2.
                </td>
                <td style="font-family: 'FuturaPT-Book', 'Roboto', Helvetica, Arial, sans-serif; font-size: 19px; line-height: 30px; color:#6c6c6c; padding: 0 0 10px 0; text-align: left;" valign="top">
                 <span style="font-family: 'FuturaPT-Heavy', 'Roboto', Helvetica, Arial, sans-serif;">
                  <strong>
                   Build an
                   <a style="text-decoration: underline; color: #6c6c6c; white-space: nowrap" target="_blank">
                    emergency fund
                   </a>
                  </strong>
                 </span>
                 to cover expenses (food, shelter, utilities) for 3-6 months. Put the money somewhere low risk like a savings account.
                </td>
               </tr>
               <tr>
                <td style="font-family: 'FuturaPT-Book', 'Roboto', Helvetica, Arial, sans-serif; font-size: 19px; line-height: 30px; color:#6c6c6c; padding: 0 5px 10px 0; text-align: left;" valign="top" width="20">
                 3.
                </td>
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                 <span style="font-family: 'FuturaPT-Heavy', 'Roboto', Helvetica, Arial, sans-serif;">
                  <strong>
                   Contribute to a pension
                  </strong>
                 </span>
                 . If your employer matches your contribution to your company-provided pension account, make sure you are contributing the highest amount that they'll match. Because, that’s free money. Don’t turn it down. And remember, you can also have a pension outside of work.
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                 4.
                </td>
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                  <strong>
                   Get smart about tax-free savings
                  </strong>
                 </span>
                 . Accounts like an
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                  ISA
                 </a>
                 are one of the most flexible ways to put your money to work in the UK. Why? Because any gains you make on an ISA account are tax-free (e.g. yours to keep).
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                 5.
                </td>
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                 <span style="font-family: 'FuturaPT-Heavy', 'Roboto', Helvetica, Arial, sans-serif;">
                  <strong>
                   Pay off low-interest debt (5% or lower)
                  </strong>
                 </span>
                 . This one’s a little fuzzier because interest rates on mortgages, car loans, and student loans can be low enough that it might be wiser to invest that same pound instead of using it toward these low-interest loans. But it’s still debt, so we recommend at least taking a look and crunching the numbers.
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             Now it’s time to pop a bottle of champagne. Because you’ve made it to glass six of the waterfall and you definitely deserve a toast! The last step is
             <span style="font-family: 'FuturaPT-Heavy', 'Roboto', Helvetica, Arial, sans-serif;">
              <strong>
               setting up some financial goals
              </strong>
             </span>
             . What does your version of financial freedom look like: a beach house, a secure retirement, savings for your child? Think about how you are going to get there and if you need some help we humbly suggest you set up a call with one of our wise investments advisers.
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               ). With investment, your capital is at risk. The value of your portfolio with Wealthsimple can go down as well as up and you may get back less than you invest.
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