The more time you give it, the more return you should see. Waiting just one year to contribute to your 401(k) could lower your retirement by up to $100,000, according to calculations made on a 401(k) retirement calculator . Waiting 10 years could drop your 401(k) by half. 4. Save for emergencies. While often neglected, planning for emergencies should be a priority. Having an emergency fund can help with anything from an unexpected car repair to high medical bills to unemployment. To start, aim to save enough to at least cover three months of your bills and expenses. Creating an emergency fund is as simple as setting up a direct deposit from your paycheck to a savings account. This way, your fund will automatically grow every payday.
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Prince Harry was praised for his bravery after revealing in an interview with The Telegraph that he had sought counselling to help come to terms with the death of his mother. Theresa May hailed his intervention and said it wouldhelp “smash the stigma” surrounding mental health and make thousands of people realise that they are “not alone”. View photos Prince Harry speaks frankly about fighting his demons on the wake of his mother’s death and how he finally sought professional help Credit: Getty Images More Ministers are now examining plans to station NHS professionals in secondary schools on a full-time basis for a green paper on young people and mental health that will be unveiled later this year. They want to “normalise” discussions about mental health in school to tackle concerns that rates of depression and anxiety among teenagers have increased by 70 per cent in the past 25 years. The Duke of Cambridge, Prince Harry’s brother, praised high-profile public figures for speaking out and said that no one should try to keep a “stiff upper lip” at the expense of mental health. The Duke said that the idea that successful, strong people do not suffer from mental health issues is false . “We all do,” he said. “It’s just few of us speak about it”. The Prince disclosed in his interview with The Daily Telegraph that he had endured two years of “total chaos” while struggling in his late twenties to come to terms with losing his mother Diana, Princess of Wales. He said that the Duke had tried to help him, saying: “This is not right, this is not normal, you need to talk about stuff, it’s OK.” He spoke to The Telegraphs Bryony Gordon for the first episode of her podcast, Mad World, in which she will interview high-profile guests about their mental health experiences. View photos Diana, Princess of Wales with Prince Harry who has said he regrets not opening up sooner about how his mother’s death affected him Credit: PA More The Prince and his brother and sister-in-law, the Duke and Duchess of Cambridge, have together driven Heads Together, a charity which promotes good mental well-being. The Prince’s decision to speak out was also lauded as “a true turning point” by Mind, the mental health charity, while the campaign group Time to Change said he “will have helped change attitudes” by sharing his experiences. His comments prompted politicians and other public figures to open up about their own experiences with mental illness, with one Labour MP describing the “chaos and madness” he felt after losing his sister.
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