Everyone seems to have an opinion about target date funds. On one side, they make 401(k) investing easy. On the other, there can be a significant difference in performance over time from target date funds versus other plan options. In this article, we’re breaking down everything you need...
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The Secure Act 2.0 brought about numerous changes to how we save for retirement, including when investors need to start taking required minimum distributions (RMDs). However, the IRS is making RMD changes yet again – this time delaying certain rules in order to provide a smoother...
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Let’s face it. There’s a lot going on with the economy, the Fed, and the markets. It doesn’t help that in this 24/7 newscycle world we live in that the media sensationalizes headlines that cause panic and fear in investors. If you’re feeling doom and gloom or...
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Saving for retirement is critical, but many in their 20s and early 30s put it off. It’s easy to see why. It’s not cheap to build a new life, buy a home, or start a family. Add in inflation, the high cost of housing, and rising interest...
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Back-to-school shopping is in full swing. Have you made space in your back-to-school shopping budget for hidden school costs? Recently, the following Facebook post went viral. According to the 2023 Deloitte back-to-school survey, parents are expected to spend $597 per child on back-to-school shopping.¹ One reason it is...
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The financial stress of taking care of kids and parents should not be glossed over or ignored. Parents typically feel financial stress, with new reports suggesting it costs a middle-class family with two children $310,605 to raise children from birth to age 17.¹ This is generally broken...
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Parents strive to protect their children, and this often means hiding family financial issues. But should you talk to kids about money problems? The answer is YES. Shielding them may actually be doing more harm than good. Consider these results from two important studies: “In 2010, the American...
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Americans have celebrated the signing of the Declaration of Independence on the 4th of July since 1776, even though the Declaration of Independence wasn’t signed until August 2, 1776. There is a lot of fun history to learn about the 4th beyond the confusing sequence of...
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If you're over 40 and worried about your retirement savings, take a deep breath. You're not alone, and it's never too late to turn things around. In this article, we're exploring 10 actionable strategies to help you catch up on retirement savings after 40. #1 Assess Your...
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And just like that, we are halfway through 2023. If only there were a Q3 personal finance to-do list you could consult… Based on the title of this article, it’s easy to see you’ve come to the right place for Q3 personal finance tips. Now that we...
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