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Roth IRA vs 401k? You May Not Have to Choose

One of the most common retirement questions I get asked is: Roth IRA or 401(k)? Although both are good options worth considering, the answer isn’t

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Where Do Investment Returns Come From?

The whole point of investing is to give yourself the possibility of earning better returns than you can get from a savings account. If you

03.28.15

Are 401(k)s Unrealistic? Only If You Are

In the past few days, three different readers have sent me a link to this great article from Fidelity entitled Five Habits of 401(k) Millionaires.

03.27.15

Why Taking a Lump-Sum Payout Makes More Sense Than You Think

When I was in sixth grade, a classmate’s grandma won a million dollars in the lottery. This made the front page of our small town’s

03.13.15
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Can the Saver’s Credit Save You Money on Your Taxes?

For many people, two of the most frightening words in the English language are death and taxes. Even among those for whom the words are

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Balancing Act: Pay Down Student Loans or Save More?

You’re finally there: You’ve graduated from college after many hard years, you’ve got a job in your field, and you’re actually able to balance your

03.03.15

What Is a Fee-Only Financial Advisor?

If you’re looking for a financial planner, one of the first things you’ll want to know is how they are paid. Financial incentives influence decision-making in

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The Million-Dollar Retirement Question

One question I’ve received several times over the years is what I’ve jokingly called the “million-dollar question” to my wife. It comes in several variations,

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What Is Index Investing and Why Does It Work?

There are an almost infinite number of ways to approach investing, but my personal favorite is called index investing. It’s a simple strategy that can

02.14.15
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How to Retire Quickly

Over the last couple of years, Sarah and I have essentially been living on one salary. We’ve been investing every dime of my income (minus

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How to Tell If You’re on Track for Your Financial Goals

One nugget of personal finance information that I’ve seen repeated over and over is the notion that if you have a year’s salary saved for

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The Five Most Important Factors for Your Investment Success

If you’re new to investing, it’s pretty easy to feel overwhelmed. There are strange words to figure out, complicated ideas to understand, new decisions to

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Building a Nest Egg Out of Acorns

Let’s face it, investing in the future is no easy task. Taking money that you could spend right now and socking it away for decades takes discipline.

01.14.15
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Are Annuities Right for You?

Annuities are not complicated, which is why so many people find them appealing. They come in two basic types — immediate and deferred — with two

Guide to Self-Directed IRAs

The history of retirement plans in the United States is neither as old nor as extensive as most people think. The first private pension fund

01.09.15
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Retiring Abroad? What You Need to Know About Health Insurance

So you want to pack up all your cares and woes and retire overseas. The world is full of possibilities, from hundreds of thousands of

01.09.15
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Should Your Goal Be to Die Broke?

Danny writes in with a good question: A lot of the retirement articles I read talk about saving enough for retirement so that you only

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Trend Spotting: How Successful Investors Find the Next Big Thing

In “Back to the Future Part II,” Biff Tannen gets rich by using information from the future to make can’t-lose sports bets in the past.

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