Finances 50+ SM is a 3-part program designed to help you make and keep smart money habits. The program covers:
- budgeting and goal setting
- taking charge of credit and debt
- developing a savings plan and protecting your assets.
Download guides and worksheets, plus find helpful links for a range of money management topics.
General Money Management
- Financial Literacy and Education Commission: Information on a wide range of financial topics from a number of federal entities.
- National Endowment for Financial Education: An excellent wide-ranging resource about life events and financial decisions.
- Schwab MoneyWise: Find guidance on financial fitness and making the most of your money. Includes a financial fitness quiz.
Benefits and Income Supports
AARP Benefits QuickLINK: See if you qualify for public assistance and if you can save money on health care, medication, food, utilities, and more.
Community Action Agencies: These groups help people to help themselves in achieving self-sufficiency.
- Consumer Financial Protection Bureau: A wealth of information to help consumers with credit, debt, and asset protection.
- Federal Trade Commission: Government agency charged with consumer protection. See the Consumer Protection tab.
- Help with Telemarketers: Visit donotcall.gov and add yourself to the national “Do Not Call’ registry.
- Help with Junk Mail: Visit dmachoice.org and ask to be removed from direct mailings.
Credit and Debt
- National Foundation for Credit Counseling: The nation's largest financial counseling organization, the NFCC has a network of more than 700 community-based offices located in all 50 states and Puerto Rico.
- How much is your debt costing you? Find out with this calculator at SchwabMoneywise.com.
- How will changing your payment amount or terms affect your debt? Try this calculator from SchwabMoneywise.com.
- Federal Reserve: Read a basic guide to navigating the credit card process.
- Federal Trade Commission: Get information on credit reports and scoring.
- Fair Debt Collection Practices: Get answers to frequently asked questions on your rights under the Fair Debt Collection Practices Act.
- Credit score information: Visit myfico.com to learn more about FICO scores.
- Credit Reports: Visit annualcreditreport.com. This is the only federally authorized site to get free credit reports from each of the three major reporting agencies.
- OptOutPreScreen.com: Opt in or out of offers for credit or insurance.
Employment, Education and Job Training
- AARP Foundation Women’s Scholarship Program: This program helps low income 50-plus women through educational opportunities.
- AARP Foundation WorkSearch: Get job search help, assessment tools, and additional resources for older workers and job seekers.
- America’s Service Locator: Find workforce services in your neighborhood or across the country.
- Senior Community Service Employment Program: Connect with a community service and work-based training program for people 55+.
Health Care and Insurance
- USA.gov: The U.S. government’s official web portal with information about how to get the medical care you and your family need, even if you don’t have insurance.
- Medicare: Visit mymedicare.gov, the official Medicare site with information about the parts of Medicare, what’s new, and how to find Medicare plans, facilities or providers.
- AARP’s Health Law Guide: This guide will help you find resources tailored to your needs, including Medicare, health insurance coverage for you or your family, or public programs that may work for you.
- Taking care of you and your family when your income drops (PDF)
Deter. Detect. Defend: This Federal Trade Commission site helps consumers fight back against identity theft.
Older Adult Resources
- Area Agency on Aging: Find a local agency that offers advocacy and resources to keep people independent.
- National Council on Aging: Information about improving the health and economic security of older adults.
- Elder Financial Protection Network: Information about protecting yourself and your money.
- Office of Financial Protection of Older Americans: Information and tools from the Consumer Financial Protection Bureau to help older Americans safely navigate through financial challenges.
- U.S. Administration on Aging - National Center on Elder Abuse: Includes links to find state resources.
- Social Security Administration: Visit ssa.gov, the official federal government site, which includes information and online applications.
- Social Security Calculator: This tool can help estimate your Social Security benefits and show you when is the best time to claim Social Security.
- AARP Foundation Tax-Aide: Read federal tax FAQs, ask tax questions and — during tax season — find a local site where you can get free tax preparation help.
- IRS Tax Site Locator: The IRS Volunteer Income Tax Assistance (VITA) and the Tax Counseling for the Elderly (TCE) programs offer free tax help for taxpayers who qualify.
AARP Foundation Finances 50+SM is sponsored by and developed in collaboration with Charles Schwab Foundation.