A record number of Americans are taking hardship withdrawals and tapping into their 401(k)s. According to Fidelity, “Participants taking hardship withdrawals from their accounts rose to 2.4% last year, up from 1.9% in 2021.”¹ This represents the highest share of hardship withdrawals recorded by the financial...
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Paying for college is expensive, which is why college financial planning should really begin as soon as each child is born. But, let’s be honest. Sometimes life gets in the way, and, before you know it, college is right around the corner, and you haven’t done...
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It’s tax time, and there are a few changes you need to be aware of before you file your 2022 taxes. The IRS has warned taxpayers they should expect smaller refunds due to pandemic relief measures that have been allowed to expire. Don’t get caught off guard....
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When it comes to money habits, we can either form those that cause us to be saddled with debt and worried about our financial future or those that bring us financial freedom. The good news is that it is possible to break bad habits. It is also...
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Last year was a bumpy ride for the market, and many investors are rattled. We’ve talked before about how the market goes up 80% of the time. But this also means it goes down 20% of the time. And that’s where we are now. So, what should you...
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Social Security benefits in 2023 will see the highest increase in 40 years, but will it be enough to cover the real cost of retirement? In 2023, there will be an 8.7% increase for COLA (Cost-of-Living Adjustment), up from the 5.9% adjustment in 2022.¹ This amounts to...
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The SECURE 2.0 Act, which was signed into law December 29, 2022, introduces major changes to the retirement system and how you save for retirement. The Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 builds on the SECURE Act of 2019. Both aimed to...
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At the start of the new year, people are looking for ways to improve their lives. They may make resolutions to lose weight or stop smoking. These are great, but what about financial resolutions? The point of making a resolution is to improve behaviors and better...
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Between market volatility and inflation, 2022 was a stressful year financially for many of us. So, it’s no surprise that readers were looking for 401(k) articles to help them understand what they should and should not do when it comes to their retirement savings. 401(k) balances fell,...
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The holiday season is stressful, but you’ve still got time to rein in the crazy and enjoy a stress-free Christmas. Instead of rushing around and trying to create as many magical memories as possible, treat this day like the finish line. You’ve made it. You survived the...
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