RSS Feed


  • Categories

  • WISER Ways to Say “I Love You”

    There are many ways to show someone you love them. This Valentine’s Day, get creative and show some WISER love by making a few smart financial decisions that will benefit you and your loved ones.

    First, know everything there is to know about your love nest. Every home should have an organized file on hand with all of your important financial documents. Our Factsheet, Financial Documents: What to Keep and Where, can help you get organized.

    Also, this is a great opportunity to become aware of your significant other’s employee-sponsored or other retirement plans and assets. You never know if and when you may need this information down the road. Here are some retirement plan basics to keep in mind in this process. If you are an adult who is caring for or may eventually care for an aging parent, try to have some of these same conversations sooner rather than later.

    Next, look more closely at what you and your spouse or partner are each spending your money on and see if there are ways to save more for the future. Use this fact sheet to help you keep track of your spending. If you are single, saving more money for your future is also one of the best ways to care for yourself. Websites like also have great tips and tools.

    Another important way to say “I love you” is by making sure that you have the right insurances. Take stock of any insurance you have, and think about what your insurance needs are for the time being and what they might become in the future to make sure you and your loved ones are protected. Use our WISER Woman’s Guide to Insurance to get you started.

    Finally, to all the grandparents out there, don’t let your love for your grandchildren leave you broke! Grandparents often want to be able to buy their grandchildren nice presents and help them out with life’s expenses, such as a good education, weddings, etc. Especially during bad economies, grandparents may often feel a duty to step in and help younger generations who are being hit hard by the economic downturn. However, often these decisions can leave grandparents financial worse-off.*

    Instead of taking on these steep financial responsibilities that can leave you financially vulnerable (or buying lots of toys for kids at ages where they are more interested in the boxes the toys come in!), try to find other ways to help your grandkids. For example,  you can set up an online account for your grandkids and purchase savings bonds. You can purchase savings bonds for as little as $25 and they accrue interest for up to 30 years. This way you don’t have to invest so much money upfront, but in the long run the payoff can be substantial and will certainly be a welcome asset down the road for your grandchildren. To learn more and set up an account, visit

    Making financially wise decisions may not be as romantic as flowers or chocolates, but these are caring actions that are filled with love, and perfect for Valentine’s Day!

    *A 2011 MetLife report found that grandparent spending on child-specific items increased dramatically between 1999 and 2009. In 2009, households ages 55 or older spent $7.6 billion on infant food, equipment and clothing, toys, games, and tricycles, a 71% increase since 1999. They also spent $2.43 billion on primary and secondary school tuition and supplies, almost three times more than was spent in 1999.


    One Response to “WISER Ways to Say “I Love You””

    1. It’s actually a great and useful piece of information. I’m happy
      that you shared this useful information with us. Please stay
      us informed like this. Thank you for sharing.

    Leave a Reply


    About Us

    WISER is a nonprofit organization that works to help women, educators and policymakers understand the important issues surrounding women's retirement income. WISER creates a variety of consumer publications including fact sheets, booklets and a quarterly newsletter that explain in easy-to-understand language the complex issues surrounding Social Security, divorce, pay equity, pensions, savings and investments, banking, home-ownership, long-term care and disability insurance.

    Read More