Morgan Stanley
Wealth Management

Financial Literacy for Any Stage of Your Life

Financial literacy means being equipped with the knowledge to help make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.

The Fundamentals of Financial Literacy

It’s never too early-or too late-to start improving your financial literacy. A great first step is starting or reviewing your budget, savings goals and financial plan.

Solidify Your Financial Foundation

Build upon your personal finance education with topics such as goal setting, introduction to investing, and credit and debit management.

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        Goal Setting and Budgeting

        Are you on track to meet your financial milestones? Getting organized can help. Learn how to define and set financial goals, manage cash flow and set up a plan for the long term.

        Goal Setting Budgeting
        01 / 03

        Build Your Money Management Skills

        The financial decisions you make early on can set the stage for lifelong financial wellness. You can start by developing effective money habits that can stick with you for a lifetime.

        3 Ways to Manage Your Cash More Strategically Two Ways to Invest a Cash Windfall 5 Strategies to Use a Bonus or Raise 3 Smart Money Moves When Traveling Abroad

        What Should I Do With My Money?

        A podcast where real people get real answers to their most important money questions from Financial Advisors.

        01 / 07
        What Should I Do With My Money Podcast The Financial Education I Never Had As a first-generation American, Pradeep wants to help ensure he can give his future family the financial stability he didn’t have growing up. Are his savings sufficient? How can he plan for a growing family and their financial needs?
        What Should I Do With My Money Podcast Finally Financially Fit at Forty Money was tight for Willow as a single mom in her 20s. Now that she’s a high-earner in her 40s, can she catch up on investing for her family’s future?
        01 / 07

        Find a Financial Advisor, Branch and Private Wealth Advisor near you. 

        Check the background of Our Firm and Investment Professionals on FINRA's Broker/Check (opens in a new tab).

        Planning for Your Family and Legacy

        Planning for your children today can help you set the next generation up for future success, including education and legacy planning.

        5 Things You May Not Know About 529s (But Should) Next Generation Gifting Considerations Thinking About Your Legacy? Why You May Need a Trust Estate Planning Essentials: 7 Key Steps

        Planning for Retirement

        Whether your ideal retirement age is near or far for you, preparation can help make your dream retirement come true. Learn More

        A Simple Six-Step Retirement Checkup 5 Common Myths about Retirement Planning You Work Hard, Make Your 401(k) Plan Work Harder 5 Mistakes to Avoid in Retirement Are You Prepared for Retired Life? 6 Money Moves to Make in the Decade Before Retirement When Should You Take Social Security? 4 Financially Smart Ways to Take Money Out of Retirement Accounts

        Working with a Financial Advisor

        Discover how a Morgan Stanley Financial Advisor can help you plan for your future.
        How to start that first conversation with a Financial Advisor
        Getting Started

        Morgan Stanley Financial Advisor Quiz

        Answer a few questions about yourself, your priorities and your preferences, and we'll show you Financial Advisors that may be a good match for you.

        Advisor Match

        Check the background of our firm and investment professionals on FINRA's BrokerCheck (opens in a new tab).

        Disclosures:

        This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

        Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

        © 2025 Morgan Stanley Smith Barney LLC. Member SIPC.

        CRC# 4263967 (03/2025)

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