If I Can Suggest One Financial Move to Anyone, It’s This

Save for retirement. Period. There are very few adults in the United States that are of working age that aren’t affected in a positive way


When Should a Person Start Social Security Benefits?

Whether I like it or not (and I most certainly don’t like it), my parents are growing older. My mother is getting close to the

Our Path to Living Off Our Own Investments

The big financial goal that Sarah and I have in front of us is to reach a point where we can live off of the


Retirement Age and Changing Lifespans

Not too long ago, I was at the library researching an article on Social Security and the value people could expect to get from it


Roth IRAs and the Fear of Future Legislation

When people realize how incredible the deal is for a Roth IRA, they’re often in disbelief. After all, it lets you earn tax-free income in


A Roth IRA and The Future of Taxes

A few years ago, I wrote an article looking at the differences between a Roth IRA and a 401(k) with regards to how taxes will


The Hows and Whys of a Target Retirement Fund

You’ve finally decided that you need to start saving for retirement. You’ve taken that first step of signing up for a 401(k) or a 403(b)


Is Time on Your Side?

This stunning article from Yahoo! Finance describes in detail the difficult situation that many people in their fifties and sixties find themselves in. From the

A Lifetime of Choices

Once in a Lifetime Stephen writes in: “I am struggling with continuing to save because of the fragility of my life. Both of my parents


Falling Short on Retirement Savings

It’s a fear that many of us have. For some, it’s a reality. You’re close to retirement age, but when you sit down and run


How to Approach Retirement Catch-Up

This article first appeared at U.S. News and World Report Money. It’s pretty well established that if you start saving about 10% of your income


Retirement Savings: Sacrifice Today for a Better Tomorrow

The reality of retirement savings comes down to a very simple decision. Each paycheck or each week or each month, you have a choice to


How Much Do I Need to Retire? Quickly Figure Out Your Retirement “Number”

This article first appeared at US News and World Report Money. At some point during each of our professional lives, we wake up to the


Selling Stocks at an All Time Market High?

By almost every measure, the stock market in the United States has hit several all-time highs over the last few weeks. This has led several

Four Questions to Ask If You’re Nervous About Signing Up for a 401(k)

Beth wrote in with a great question: “I have thought for months about going into the HR office and signing up for the 401(k) plan

The Fear of a 401(k)

When I was in high school, my father’s employer launched a 401(k) program. He’d been there for twenty five years (off and on) at that


The Basics of a Roth IRA

Megan writes in: “What exactly is a Roth IRA? I understand that it’s a way to save for retirement but the Wikipedia entry is basically


Retirement Planning in an Uncertain World

This question gets asked all the time on personal finance websites, books, magazines, and talk shows. People begin to look forward to retirement living and

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