The Future of Roth IRAs

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If you’ve ever spent any time on a personal finance blog, you’ve likely come across one, or two, or twelve articles comparing the Traditional IRA to a Roth IRA.  (If you haven’t, congratulations on finding more interesting things to read about!)  At the time of this posting, for example, a Google search for “traditional vs […]

Solving the Millennial Retirement Savings Challenge

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Last week was a big week in the financial world — America Saves Week! From February 25th through March 2nd, the finance community came together to help impact the lives of Americans through motivating, encouraging, and supporting them to save money, reduce debt, and build wealth (particularly through automated savings). Now, there is an important […]

Why Financial New Year’s Resolutions Don’t Work

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“What’s it like to work with a financial planner?” It’s a question I get asked all the time.  When most people think about a stereotypical “financial planner”, they tend to immediately think of an investment manager.  The conversations focus solely on investment management strategies, how to “beat the market”, and sometimes life insurance sales.   […]

Can You REALLY Get Public Sector Loan Forgiveness?

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Fears about the long-term viability of the Public Sector Loan Forgiveness (PSLF) have surrounded the program ever since it was established in October 2007.  In fact, we’ve discussed these concerns on the blog before!  But since we last discussed the future of PSLF, the initial round of forgiveness data seems to validate a lot of […]

The Best Strategies to Save for Retirement

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What are the best strategies to use to save for retirement?  In this video and in the summary below, I respond to a few questions sent to me regarding the “right” ways to save for retirement.  Specifically, we discuss these three questions: Presuming that a 401(k) alone won’t be sufficient to fund your retirement, what […]

2 Options to Keep Holiday Spending Inside Your Budget

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With Halloween behind us, the holiday spending season is here. And with the holiday season comes travel plans, parties, family gatherings, and, of course, gifts. With all of that comes costs.  Significant ones.  A study from PwC estimated that millennials spent over $1,000 on holiday-related expenses in 2017, up 26% from 2016. I’m not writing this […]