When it comes to planning for retirement, choosing the right savings vehicle can make a significant impact on your financial future. Traditionally, 401(k) plans have offered tax-deferred contributions, but in recent years, the Roth 401(k) has emerged as an appealing alternative. With its unique tax advantages and...
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Summer is expensive for parents, which is why it is the perfect time to teach kids about money. With kids out of school, parents have to either spend money on childcare, camps, or entertainment. It adds up. Fast. Pre-pandemic, families were already spending quite a bit during the...
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When you have a bad day, do you head to Target? When you are bored, do you shop online? When you have cause for celebration, do you splurge on something new? These are all common ways to engage in retail therapy. The problem is that retail therapy...
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The original SECURE Act of 2019 extended the Required Minimum Distribution (RMDs) age from 70½ to 72 for retirement accounts. Now with the passing of the Omnibus Bill, SECURE Act 2.0 extends the RMD beginning date to age 73, starting in 2023. Not only does the new...
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Contrary to what most experts advise, there are times when it may not make sense to roll over your 401(k). We even advise most investors against leaving behind an old 401(k). However, there is an IRS rule that – if you qualify – may help you have...
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Now is the time to plan and save for a family summer vacation. If you wait too much longer, you’ll be too late. This is because Americans are still feeling the need for pent-up “revenge” travel following the pandemic – even with inflation. According to Forbes, “The...
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The more you know your rights as a 401(k) investor, the better choices you will be able to make building wealth for retirement. But far too many 401(k) investors don’t know their rights due to the lack of education. Most of us sign up for a 401(k)...
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401(k)s are often the largest asset people have for retirement. We save year after year, paycheck after paycheck, with the goal to have a comfortable retirement. However, there are times when we may be tempted to dip into our retirement savings before we reach retirement age. While...
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For 401(k) investors over 50, retirement is around the corner. And, with the market volatility over the past year, many are wondering how to best protect their savings and ensure they have enough for retirement. If you’re nearing retirement and want to do what you can...
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One of the most common financial mantras to building wealth is “pay yourself first,” but there isn’t much guidance on how to create a pay yourself first budget. That might be why so many Americans struggle with saving money. A 2023 Bankrate study found, “Nearly half (49...
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