To achieve retirement savings goals, it is crucial to not only protect your savings, but also ensure they grow at a rate that outpaces inflation. With inflation eroding our purchasing power and hard-earned money, many investors are wondering what this means for their 401(k)s. The good news...
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It feels good to wrap up things nicely before the end of the year, but there’s a lot to do. That’s where having a fourth quarter financial to-do list comes in. It helps you prioritize the things you need to do to ensure you are in...
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While data shows more people are saving for the future, others are putting their financial futures at risk by taking 401(k) hardship withdrawals. 401(k) hardship withdrawals should be a last resort, but people are playing fast and loose with their retirement savings, as shown by recent...
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One of the perks of employment is a 401(k). But what happens with the money you’ve accrued for retirement when you change jobs? The money is still there. But leaving behind an old 401(k) may be a costly mistake. Keep reading for the costly dangers of forgetting...
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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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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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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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