P - Planning - set short term and long term goals.
A - Allow money for an emergency fund.
Y - You give allowances and teach good spending habits.

Y - Your household budget should include saving.
O - Ownership versus loanership.
U - Understand financial jargon.
R - Review the plan frequently and change if needed.
S - Start a saving plan the day you are hired.
E - Evaluate your company's 401k plan.
L - Learn how to save using mutual funds.
F - Find an on-line banking account that you like.

F - Find the right investments.
I - Inform others - "Getting Started On Your 401k Plan".
R- Rebalance your investments annually.
S - Save for retirement.
T - Teach your children how to save.