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Traditional IRA vs Roth IRA

If your employer doesn’t offer a retirement fund, or if you have extra money you want to set aside for retirement, there are two very good options: the traditional and Roth individual retirement accounts (IRA).   611 more words


Do I need an IRA?

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“Do I need an IRA?”

Maybe it is because a lot of my friends are about to hit their thirties, but I feel like I’ve been asked this question every week this summer! 572 more words


"You can't fix stupid...."

I’ve heard people mutter these words many times over the years, but always felt that they were a bit too fatalistic. After all, everyone has the capacity to learn, although the inclination and motivation to do so may be lacking. 77 more words

Retirement Savings

Why should your failure to plan create an obligation for me?

Most of us go through life knowing that we should be addressing some particular need, but often failing to act upon this necessity. For instance, I positively know that I need to lose 20 pounds, yet I’m not making the requisite dietary changes. 246 more words

Retirement Savings

Choosing Between Traditional and Roth 401(k)s

Traditional and Roth 401(k) plans both provide tax-advantaged ways to save for retirement. Which works best for you will depend upon your unique circumstances.

Many workers now have — or may soon have — a new retirement planning option to consider: the Roth 401(k), which permits participants to save for retirement on an after-tax basis. 1,234 more words

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