man using laptop - brokerage account - how do i open a brokerage account

What Is a Brokerage Account and How Do I Open One?

So you’ve got your emergency fund taken care of — great! Now what? While you need cash you can easily access in the event of an emergency, once

dartboard target date retirement funds

Do Target-Date Retirement Funds Hit the Mark?

Target-date retirement funds were originally created by Barclays in 1993 as a way to make it easier for regular investors to get access to a

man stressed at computer - common investing mistakes

Seven Big Investment Mistakes You’re Probably Making

It is remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very

child crawling

Four Reasons to Invest (That Have Nothing to Do With Retirement)

Everyone knows you’re supposed to be investing for retirement. But let’s be honest: That’s kind of a drag. Yes, it’s important to save and invest

man holding two stacks of money - balance transfer

What Do ‘Pre-Tax’ and ‘Post-Tax’ Mean? And Why Should I Care?

Almost every article you read about retirement savings brings up the terms “pre-tax” and “post-tax” savings, often throwing the ideas out there with no real

present vs. the future

Two-Sided Coin: Save for the Future or Live for Today?

This is the fourth in a series of posts called the “Two-Sided Coin,” where TSD’s Jon Gorey and Holly Johnson take opposing viewpoints on personal finance topics. 

woman putting money into different jars for retirement, stocks, house, etc.

How to Choose Investments in Your 401(k)

Your 401(k) is the first place you should look when you start investing. The account is already open, so all you have to do is

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The $15 Retirement Plan

Some days – in fact, many days – I spend $15 in a way that isn’t the smartest. I’ll go out to eat for lunch,

socially responsible investing - field of flowers

Can Socially Responsible Investing Add Meaning to Your Money?

How would you like to earn a little money while also making the world a better place? That’s the premise behind socially responsible investing, a

house for sale

Four Ways to Use a Roth IRA That Have Nothing to Do With Retirement

The Roth IRA is one of the most widely touted retirement accounts, and for good reason. It’s one of the only accounts that offers tax-free

playing roulette

Are You Gambling With Your Retirement?

I recently came across an interesting article from Richard Eisenberg at Forbes entitled The Dicey Retirement Gamble Americans Are Making. In it, Eisenberg pieces apart

asset allocation is like making a pizza

How to Choose the Right Mix of Investments for Your Personal Goals

There are only a few investment decisions that really matter. Your savings rate is one of them. The amount you pay for your investments is

401k jar - 401k contribution limits

A Complete Beginner’s Guide to 401(k) Plans

Since day one, I’ve been an advocate for people taking advantage of the 401(k) plans offered in their workplace. It is an incredibly useful tool

50 in candles

Under Pressure: The Optimal 50 Strategy

In a given week, the only real “unstructured” time that I have is the hour or two that I set aside for “family time” each


How to Handle This (or Any) Stock Market Slump

It’s been a rough year for investors so far. As I write this, the U.S. stock market is down more than 10% since Jan. 1. That’s a

man counting money with calculator

Investment Calculator: Is Your Financial Plan on Track?

Creating a long-term investment plan is essential if you hope to enjoy a secure retirement, pay for end-of-life care, and leave something behind for your

401k balance and fees

A Surprisingly Easy Way to Predict Future Investment Returns

In August of 2010 the renowned investment research company Morningstar released the results of a study they had conducted to determine the best way to

divestment protest at Tufts University

Smart Money? Colleges Divest from Fossil Fuels, Dodge the Oil Bust

Last year was the hottest year ever, handily beating the previous record — set in 2014. In fact, 15 of the 16 hottest years in recorded history have

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