Managing your money is a term often in use when discussing the transactions of managing the expenses and income of a consumer. This may imply everyday use of funds, such as making payments, purchases and depositing income. It could also mean investment management. Professional financial planners work closely with individuals to manage the funds they deposit into retirement accounts and other investments by ensuring that the overall goals of the individual are met. These planners may adjust portfolios when better opportunities arise or when changes are necessary to keep the individual on track to achieving their financial goals. On the other side, managing your money may also be referring to the task of managing your own investments in a similar way.