Generation X Quiz

Many of you - not just Gen Xers - would like to get into the saving and investing habit, but just aren't sure how to get started. This calculator can help.

The best part is that spending less doesn't mean depriving yourself. But, small changes in your spending habits can add up - especially when you invest the extra savings.

Click below on the times per month you plan to incorporate each cost-savings behavior into your life. You'll be surprised to see how small amounts can add up to big sums when you invest them over many years.

    Savings Per Month Savings Per Year
1 Cut back on using ATM machines that are not in your bank's network 0 1 2 3 times each month. $ $
2 Buy regular coffee instead of cappuccinos and lattes 0 1 2 3 times each month. $ $
3 Avoid the lines at the movie theater and get cozy on your couch with a rental 0 1 2 3 times each month. $ $
4 Brown bag it, instead of eating out 0 1 2 3 times each month. $ $
5 Borrow books from your local library instead of buying them at your local bookstore 0 1 2 3 times each month. $ $
6 Get rid of your gym membership and exercise in the park or in the comfort of your own home. Yes No $ $
7 Don't buy those extra pair of shoes or sneakers 0 1 2 3 times a year. N/A $
8 Make a 30 minute long distance call using the free long distance on your cell phone.* 0 1 2 3 times a month to minimize your home phone bill. $ $
9 Maintain your checking account minimum balance to avoid a monthly maintenance fee. Yes No $ $
10 Switch to a free Internet Service Provider. Yes No $ $

Take Control Now

Once you've figured out ways to free up some cash to invest, a financial advisor can help you build an investment plan. If you don't have one, we can help you find a financial advisor now.

Total Savings
Per Month


Total Savings
Per Year


WEBC062802/01 7/2/02

* Assuming the average long distance phone call is 30 minutes.

The values illustrated here assume an average annual total return of 8%. This information is for illustrative purposes only and does not predict the performance of any investment. Over long periods of time, rates of return will vary.

Shares of Oppenheimer funds are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested.

Before investing in any of the Oppenheimer funds, investors should carefully consider a fund's investment objectives, risks, charges and expenses. Fund prospectuses and, if available, summary prospectuses contain this and other information about the funds. You may download and view a prospectus now, or to obtain one, ask your financial advisor or call OppenheimerFunds Distributor, Inc. at 1.800.CALL OPP (225.5677). Read prospectuses and, if available, summary prospectuses carefully before investing.

Oppenheimer funds are distributed by OppenheimerFunds Distributor, Inc.
225 Liberty Street, New York, NY 10281-1008