Financial Well-Being Toolkit | Starbucks

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Financial Well-Being Toolkit

Budgeting

50/15/5 – An Easy Trick for Saving & Spending

It isn’t about managing every penny. Track your money using three categories.

Budget Check-Up

See how your actual savings and spending compares with Fidelity’s guidelines.

Budgeting Your Social Life

Learn how to save money while maintaining your social life.

Map Your Money Goals

Define your financial goals to get closer to making them real.

Managing Debt

Balance Debt, Saving, and Investing

A step-by-step guide can help you decide what to tackle first

Understand and Attack Your Student Loans

Understanding your student loans is the first step—then decide how to attack them.

Which Debt Should You Pay Off First?

A debt management plan may be what you need to start gaining financial freedom.

Tips for Using Your Credit Card Wisely

Make credit cards work for you by maximizing rewards while avoiding debt.

Retirement and Investing

The 1% Savings Rule

Increasing your savings by just 1% now could mean a lot in retirement

The Basics of Investing

Reference this dashboard for free resources and tools to help break down the basics of investing

How to Start Investing

Get tips on how to start investing as a beginner

Investing through Inflation

Learn what you can do to protect your money and your lifestyle through inflation

What Next?

Set Up Your Account

Set a goal, open an account, and fund with your paycheck to get the incentive deposit.

Watch a Video

Learn how My Starbucks Savings incentives work.

Get Answers

Still have questions? Read the FAQ for all the details on My Starbucks Savings.

Questions?

For questions about the My Starbucks Saving program, review the FAQs.

For questions about Fidelity Goal Booster email goalbooster@fidelity.com.

^†Active U.S. Starbucks partners 18 or older are eligible to save on an after-tax basis through their paycheck. Eligibility for incentives through My Starbucks Savings is limited to active U.S. Starbucks partners, at least age 18 with 90 days of service, excluding partners at the director level or above. Incentives are subject to required income tax withholding.

^#In addition, in order to be eligible for the incentives, you must be actively employed on the last day of the incentive month, and you must have an open account with an active Goal Booster election on the date the incentive is deposited to your account. Inactive/closed accounts cannot accept deposits. Even if you are ineligible for incentives, you still may elect to open an account through Goal Booster and fund the account through payroll deductions.

If there is any discrepancy between the information set out in this document and the plan provisions, the terms of the plan provisions will govern. Starbucks presently intends to continue this plan but reserves the right to change, modify or terminate the plan at any time and with or without notice and for any reason.

The Fidelity Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Fidelity Account.

The Fidelity^®Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.

Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa^®, Plus®, or Star^® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Please note, for foreign transactions, there may be a 1% fee included in the amount charged to your account.

Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.

Correction of Data Errors: You are responsible for identifying any discrepancies between your My Starbucks Savings contribution amounts and your paycheck. Note that if your paycheck is not sufficient for the full amount of your elected contributions to be made, only a portion will be deducted. You must notify the Plan Administrator in writing of any data discrepancies within 30 days after your valid election is made and immediately after the discrepancy is identified. To verify your election, you can go online to netbenefits.com and check your Goal Booster contribution election(s). Data discrepancies reported after 30 days will not be corrected unless required by law. If you discover a data discrepancy, send your written notification to Starbucks Corporation, c/o Savings Department, 2401 Utah Ave. So., Mail Stop S-HR3, Seattle, WA 98134 or contact the Savings team at MyStarbucksSavings@starbucks.com

Investing involves risk, including risk of loss.

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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