All of the experts agree – the sooner you start saving for retirement, the better off you’ll be when the time comes. But what if you haven’t started yet? What if you are getting close to retirement age and you are worried you won’t have enough saved? According to a recent survey, 28% of Americans […]

Student debt is a big problem in the United States today. 54% of young workers report that right now, paying off student loans come before saving for retirement. What’s more, 40% report that worrying about student loans has impacted their health. Does this mean nobody should ever take out loans to pay for college? Of […]

The concept of a pension is something that private employers have all but abandoned, putting more of the onus of retirement savings onto the individual. But most public positions still offer a pension, and so many Americans either currently work towards a pension or are already receiving benefits. And that’s why the coming pension crisis […]

If you are lucky enough to have an employer who offers a 401k retirement plan, there are tax advantages to directing a portion of each paycheck toward it. You are even luckier still if that employer matches some or all of your contribution, because that is free money available to you simply for joining the […]

In almost every political cycle, you are likely to hear candidates talk endlessly about America’s middle class. But just who are they talking about? Are you in the middle class? And what can people in the middle class do to make smarter financial choices? While there are many competing definitions of who is middle class […]

If someone were to ask you this question, “Which is more important, saving for your own retirement or saving for your newborn’s college education,” how would you answer? If you’re like most people, you would prioritize your child’s education, putting their needs before your own. Makes sense, right? That is the essence of good parenting. […]

Debt is one of the biggest roadblocks to retirement. Debt forces us to work harder and longer than we otherwise would like. And that’s because the money that we earn is not ours, it is someone else’s, until that debt is paid off. One of the biggest errors that people make in their lives is […]