Self-employment gives people a lot of freedom and flexibility but it can make saving for retirement quite difficult. People who work for themselves have to be diligent enough to save on their own since there isn’t an employer-sponsored plan that allows for automatic...
When the economy is good and unemployment is low, it can be hard for some businesses to compete for new talent. Larger companies often want the same people which can put small business owners and entrepreneurs at a disadvantage. What can you do to draw talented...
There’s always a reason not to save for retirement. Early in your career, you’re most likely paying off student loans, saving for a down payment on a home, or maybe paying off wedding debt, all while earning an entry level salary. As you move into your 30's, you...
A traditional IRA is typically made with pre-tax dollars, grows tax-deferred and will be taxed when withdrawn at retirement. A Roth IRA is funded with after-tax dollars, grows tax deferred but qualified withdrawals are not taxable when withdrawn. Because there are...
When trying to teach teens about money management, most parents put a lot of focus on limiting spending. While this is certainly an important part of budgeting, teens also benefit from learning about things like compound interest, credit card use, and savings...
If you’re on a tight budget, a relaxing vacation probably seems out of reach. After all, how can you save for a vacation when you’re already stretching every dollar so thin? And even if you could, how can you enjoy yourself if you feel guilty about spending money on a...
Married women often find themselves in a unique situation when it comes to retirement planning: a lot of married couples only have one retirement plan. In a way, that makes perfect sense since most couples are planning to live long, happy lives together well into...
It would be nice if all families were happy but, unfortunately, that’s not the case. Every family has challenges but some are significantly harder to work through than others. What do you do when you’re not sure whether or not to include one of your children in your...
Anyone who has ever taken out a student loan knows what a huge impact they have on your finances after graduation and well into your working life. Student loans are one of the largest sources of consumer debt which is an overwhelming thought for someone considering...
When you’re trying to cut back on spending, the first things people cut back on are the things that are easily identifiable as unnecessary. If you eat out multiple times a week, get a fancy coffee drink every morning before work, or indulge in weekly manicures, you...
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