Build a Stronger Financial Future
April is Financial Literacy Month, and at Kleberg Bank, we believe that financial confidence starts with knowledge. That’s why we’re excited to spotlight the five key principles from the U.S. government’s MyMoney.gov initiative — a practical framework to help individuals and families take charge of their financial health.
Whether you're just starting out or looking to strengthen your financial habits, these five principles provide a strong foundation for a healthier financial future.
1. Earn – Understand your paycheck and your potential. Learn what’s on your pay stub, how taxes and benefits are calculated, and how to increase your income over time. Understanding your total compensation helps you make informed decisions about job offers, promotions, and side gigs. Learn more about Earning
Takeaway: Know your income, track it regularly, and look for opportunities to grow it.
2. Save & Invest – Prepare for the expected and the unexpected. Saving isn’t just about rainy days — it’s about reaching goals and creating peace of mind. From emergency funds to long-term investing, this principle helps you build security and freedom. Learn more about Saving and Investing
Takeaway: Pay yourself first. Even small amounts saved consistently can lead to big results.
3. Protect – Secure your financial information and future. Insurance, fraud prevention, and cybersecurity all fall under this important principle. Protecting what you earn and save helps avoid financial setbacks. Learn more about Protecting
Takeaway: Use tools like insurance and identity protection to guard against unexpected losses.
4. Spend – Make intentional decisions about where your money goes. Spending in alignment with your priorities — and knowing the difference between needs and wants — helps keep your budget balanced and your stress low. Learn more about Spending
Takeaway: Budget for what matters most. Track your spending to identify habits and savings opportunities.
5. Borrow – Use credit wisely and know your options. Whether it's a student loan, credit card, or small business loan, borrowing can help you
reach your goals — if managed responsibly. Understanding interest rates, terms, and your credit score is essential. Learn more about Borrowing
Takeaway: Borrow only what you need, understand the cost of credit, and pay on time to build trust and opportunity.
Each week in April, we’ll take a closer look at one of these principles with tips, tools, and local resources to help you build habits that support lifelong financial well-being. Follow along on our social media pages or visit MyMoney.gov for more.
Kleberg Bank is proud to support Financial Literacy Month — because when you understand your money, you’re empowered to make it work for you.