Do you know where you are and where you are going with your money? Here are three key elements that should be part of your financial plan: (1) conduct an insurance review. Health, life and property insurance can protect you from financial catastrophe; (2) create spending plan; Budget, spending plan, cash flow management, whatever you call it, make sure you have a game plan to save money and spend less than you earn; and (3) have short- and long-term savings and investments From building an emergency fund to creating long-term financial security, planning and executing your plan will allow you to save. For more information, read the American Legion article and visit the USAA website. For more personal finance tips, from maintaining your credit to banking and saving, visit the Military.com Money section.