Let me elaborate on what Ha said.
Nothing enrages me faster than my SO trying to tell me how to spend / invest / save my hard-earned money. This is undoubtedly bias on my part -- "no man is going to tell me what to do," and "look how well I'm doing myself, thank you." etc. etc., but that doesn't make the risk of PO-ing your girlfriend any less real.
If she's working and has gotten to where she is today she's probably proud of herself and needs to feel that she's done a good job. (That she's saving at all puts her ahead of the vast majority of Americans.) You're telling her she's fallen short is risky business, indeed.
That's not to say you can't be helpful -- just tred very, very carefully.
My sister (financially clueless) saw her boyfriend (well-heeled and sensibly invested) invest his "mad money" in a single stock, which did very well. She asked him to invest for her. He properly put her small sum into something slow and steady, but she was looking for a quick killing. When he made more on his stock, and her investment just ticked along, she got VERY angry and blamed him for steering her wrong. You don't want to end up there, believe me.
Having warned you, let me add that I don't see mention of what your girlfriend's goals are. Does she have a target retirement date and amount? Does she even want to retire early, or does she love her job and expect to work forever? How is she doing against these goals -- is she steadily making progress, or not?
You will want to make sure that there really is a significant problem before you undertake significant risk in trying to fix it.
Assuming that there IS an issue, your best bet is to serve as an example, rather than an instructor.
I had a partner years ago who loved to talk about his OWN financial planning and show me his millions of spreadsheets. He never once told me what to do or even made suggestions -- I could see for myself that I wanted what he had, and I made the necessary changes to get it.
Nothing enrages me faster than my SO trying to tell me how to spend / invest / save my hard-earned money. This is undoubtedly bias on my part -- "no man is going to tell me what to do," and "look how well I'm doing myself, thank you." etc. etc., but that doesn't make the risk of PO-ing your girlfriend any less real.
If she's working and has gotten to where she is today she's probably proud of herself and needs to feel that she's done a good job. (That she's saving at all puts her ahead of the vast majority of Americans.) You're telling her she's fallen short is risky business, indeed.
That's not to say you can't be helpful -- just tred very, very carefully.
My sister (financially clueless) saw her boyfriend (well-heeled and sensibly invested) invest his "mad money" in a single stock, which did very well. She asked him to invest for her. He properly put her small sum into something slow and steady, but she was looking for a quick killing. When he made more on his stock, and her investment just ticked along, she got VERY angry and blamed him for steering her wrong. You don't want to end up there, believe me.
Having warned you, let me add that I don't see mention of what your girlfriend's goals are. Does she have a target retirement date and amount? Does she even want to retire early, or does she love her job and expect to work forever? How is she doing against these goals -- is she steadily making progress, or not?
You will want to make sure that there really is a significant problem before you undertake significant risk in trying to fix it.
Assuming that there IS an issue, your best bet is to serve as an example, rather than an instructor.
I had a partner years ago who loved to talk about his OWN financial planning and show me his millions of spreadsheets. He never once told me what to do or even made suggestions -- I could see for myself that I wanted what he had, and I made the necessary changes to get it.
