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Include a category for savings and investing. What are you paying yourself every month? Many people get into the habit of saving and investing by following this advice: always pay yourself or your family first. Many people find it easier to pay themselves first if they allow their bank to automatically re- move money from their paycheck and deposit it into a savings or investment account. Likely even better, for tax purposes, is to participate in an employer-sponsored retirement plan such as a 401(k), 403(b), or 457(b). These plans will typically not only automatically de- duct money from your paycheck, but will. | ECONOMIC OPPORTUNITY SERIES The Role of the Financial Services Sector in Expanding Economic Opportunity Christopher N. Sutton and Beth Jenkins II BV Q0 I. s IV i Í s r l Y j J I HH I IỄHHEỮ1 ÌUHỜOLOB ỄOVÍAHMtNl Written by Christopher N. Sutton and Beth Jenkins Preface by Beth Jenkins Designed by Alison Beanland 2007 The Fellows of Harvard College Acknowledgements The authors express their special thanks to all the individuals and companies who shared their experience and perspectives in the writing of this report including Frank Bakx Rabobank William Derban Barclays Sarthak Gaurav Institute for Financial Management and Research Gary Hattem Deutsche Bank Foundation Roberta Mokrejs Paro Fundagao Dom Cabral Linda Murasawa Banco ABN AMRO Real Robert Osei University of Ghana Adam Popat Standard Chartered Chris West Shell Foundation Ali Zayad Standard Chartered The authors would also like to express a heartfelt thanks to CSR Initiative Director Jane Nelson for her considerable investments of time energy and intellectual insight. Jennifer Nash CSR Initiative Pip Murphy Australian Charities Fund Belinda Hoff Institute for Responsible Investment at Boston College s Center for Corporate Citizenship Cheryl Young Center for Development Finance and Filippo Veglio World Business Council for Sustainable Development also provided thoughtful substantive and editorial input. Rights and Permissions The material in this publication is copyrighted. Quoting copying and or otherwise reproducing portions or all of this work is permissible using the following citation Sutton Christopher N. and Beth Jenkins. 2007. The Role of the Financial Services Sector in Expanding Economic Opportunity. Corporate Social Responsibility Initiative Report No. 19. Cambridge MA Kennedy School of Government Harvard University. Disclaimer The findings interpretations and conclusions expressed herein are those of the author and do not necessarily reflect the views of the Kennedy School of Government Harvard .
