Your money should help you reach dreams; not be reason for concern.
Learn how to make daily wise choices and begin your journey toward financial health.

Dreams are within reach
We believe everyone can (and will) attain their dreams by making the right choices every day. That’s why we’re committed to offering the tools and knowledge to help you choose wisely, financially. Our member promise is to support your dreams through the products and services right for your unique needs and lifestyle.
What is financial wellness?
In the same way we care for our bodies by working out and eating right, we must nurture our finances. Financial wellness describes individuals who earn enough to cover daily and monthly expenses, are prepared for emergency instances, and plan for financial goals and large purchases, while maintaining an enjoyable lifestyle.
In May 2016, the Financial Health Network (FHN), previously known as the Center for Financial Services Innovation (CFSI), identified four components of financial health: Spend, Save, Borrow, and Plan. To download and read the paper, click here.
Since then, we have incorporated these components to our efforts in improving the financial health of our members, workforce, and communities we serve.
How to achieve financial wellness
According to the FHN, financial stability and wellness is achieved when eight indicators are satisfied. Each component (Spend, Save, Borrow, Plan) listed below has two wellness indicators. Visit the linked articles for tips and tools on getting financially fit.
Spend
Indicator #1: Spend less than you make
Indicator #2: Pay bills on time and in full
Read savings tips:
Save
Indicator #3: Have sufficient living expenses in liquid savings
Indicator #4: Have sufficient long-term savings or assets
Read savings tips:
Borrow
Indicator #5: Have a sustainable debt load
Indicator #6: Have a prime credit score
Read savings tips:
Plan
Indicator #7: Have appropriate insurance
Indicator #8: Plan ahead for expenses
Read savings tips:
For more financial wellness and education content, visit leapwithhawaiiusa.com.