At First State Bank, we’ve been helping our neighbors in Macomb County and beyond take control of their finances for over a century. While everyone's financial journey, ages they hit milestones and life goals are different, we  believe financial wellness isn’t a one-time achievement—it’s a journey that grows and evolves with you. Whether you're opening your first account in Sterling Heights, buying a home in Clinton Township, or planning retirement in St. Clair Shores, we're here to help you build smart money habits every step of the way.

Teens & Young Adults (Ages 13–22): Starting Strong

Learning how to manage money early creates a solid foundation for the future. For high school and college students in Southeast Michigan, this stage is about understanding the basics:

• Open a checking and savings account—preferably with a local bank that knows your name.
• Build a budget using easy-to-use apps or our Online Banking tools.
• Start building credit by learning how to use it wisely and avoid common pitfalls.
• Explore student account options that are low on fees and high on convenience.

Early Career (Ages 23–35): Laying the Groundwork

Whether you're settling into your first job in Troy or buying your first home in Fraser, your early career years are all about building momentum:

• Establish an emergency fund with three to six months’ worth of expenses.
• Start saving for retirement—it’s never too early to open a Roth IRA or contribute to a 401(k).
• Tackle student loans and credit card debt with a plan.
• Use First State Bank’s mobile and online banking to automate savings and monitor your finances on the go.

Mid-Career (Ages 36–55): Planning with Purpose

At this stage, life gets busy—and your financial goals often get bigger. Whether you're running a small business in Roseville or planning for your children’s education, now’s the time to be intentional:

• Review your goals regularly—from college savings to retirement contributions.
• Diversify your savings using tools like Money Market accounts or Certificates of Deposit.
• Plan ahead with insurance coverage and basic estate planning.
• Explore refinancing if you’re a homeowner looking to save.

Retirement & Beyond (Ages 56+): Enjoying the Fruits of Your Labor

As you approach or enter retirement, it’s time to focus on protecting what you’ve built and making sure it lasts:

• Evaluate income sources like Social Security, retirement accounts, or pension plans.
• Consolidate and simplify your finances to avoid unnecessary fees.
• Plan for the unexpected with long-term care and estate planning.
• Consider charitable giving or legacy planning to support causes close to your heart—especially in your own Michigan community.

Let’s Grow Together, Right Here in Michigan

At First State Bank, we’re more than just your local bank—we’re your financial partner for life. From student accounts to retirement planning, our team is right here in your community, ready to guide you with local knowledge and personal service.

Want to start building smart money habits? Stop by one of our 13 convenient locations across Macomb County, give us a call, or visit fsb.bank. We’re here when you need us—because we live here too.