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Answers to 7 Money Management Questions You’ve Been Asking

January 27, 2023 by Brett Tams

Answers to 7 Money Management Questions You’ve Been Asking Manage your money and boost your retirement fund. Money management takes time, patience and some knowledge. While you don’t need to be an expert, you need to understand a few things to make the best decisions and plans. Here are the answers to the seven most

The post Answers to 7 Money Management Questions You’ve Been Asking appeared first on MintLife Blog.

Posted in: Financial Planning, Investing, Personal Finance Tagged: 2, 2022, advice, All, author, baby, big, Blog, Budget, Budgeting, build, car, clear, color, Credit, data, Debt, Debts, education, Emergency, Emergency Fund, expenses, experience, Family, Finance, finances, Financial advice, Financial Goals, Financial Planning, Financial Wize, FinancialWize, freelance, fund, goals, Gurus, Income, interest, IRA, IRAs, job, layout, Life, Main, Make, Mint, mint.com, mobile, money, Money Management, money management questions, money management tips, money moves, More, Move, new, new job, Personal, personal finance, plan, pros, questions, retirement, retirement fund, retirement plan, right, roth, Roth IRA, Roth IRAs, Salary, save, Saving, Saving for Retirement, savings, Savings Goals, Software, stable, Start Saving, Style, tax, taxes, Technology, time, title, tools, traditional, traditional IRA, washing, white, will, work, young

How to Retire with $2 Million [Case Study]

January 26, 2023 by Brett Tams

$2 million is a lot of money. But let’s face it, it’s not as much as it was a decade ago. So when a hopeful retiree approaches me with a nest egg worth $2 million and wants to know if they’ll be able to successfully retire, there isn’t a clear-cut answer as many would think. There are many factors […]

The post How to Retire with $2 Million [Case Study] appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2, 2021, 2023, 401(k) plan, AAMS, Accredited Asset Management Specialist, action, ad, advice, advisor, All, Amount Of Money, ask, assets, at home, author, balance, before, Benefits, Blog, blue, blueprint, bonds, Budget, business, Buy, Buying, cabin, car, car loan, Checking Account, Children, clear, College, color, commission, couple, Crisis, custom, data, defined benefit, design, disclosure, dream, education, employer, Employment, entry, Family, Featured, Finance, Financial Advisor, Financial Freedom, Financial Goals, Financial Planning, Financial Wize, FinancialWize, fire, fun, fund, funds, gifts, Giving, goal, goals, good, Google, graduation, green, Grow, habits, health, hold, home, How To, Illinois, Income, Inflation, investment, investment portfolio, investments, IRA, kids, layout, Learn, list, loan, Main, Make, market, money, More, Mortgage, needs, new, News, offers, Other, pension, Personal, personal finance, plan, planner, Planning, podcast, portfolio, protection, Purchase, questions, ready, Research, retirees, retirement, retirement funds, Retirement Planning, risk, roth, Roth IRA, running, Saving, savings, Savings Account, School, science, SEC, selling, simulation, single, Software, Spending, stocks, story, stress, tax, time, tools, traditional, traditional IRA, Travel, under, unique, vacation, wants, wealth, wealth management, will, work, working, youtube

10 Best Free Investing Apps

January 26, 2023 by Brett Tams

The post 10 Best Free Investing Apps appeared first on Well Kept Wallet.

Posted in: Investing, Money Basics Tagged: 2, 401k, 529, advisor, All, AllY, Amazon, android, app, app review, apple, Apps, balance, Banking, basic, before, bitcoin, bond, bonds, Broker, brokerage, brokerages, brokers, Budgeting, build, Buy, calculator, CDs, Children, Choices, color, commission, commissions, company, Compound, Compound Interest, cost, crypto, cryptocurrencies, cryptocurrency, data, deposit, DIY, earning, education, estate, ETFs, exchange traded funds, FDIC, Fees, fidelity, Finance, Financial Advisor, Financial Wize, FinancialWize, free budgeting, fund, funds, gift, goals, good, Google, great, home, Homepage, ideas, Income, index, interest, Invest, Investing, investing apps, investment, investment apps, investment portfolio, investments, investors, iOS, IRA, IRAs, Learn, Life, Live, low, m1 finance, Make, making, market, Market Trends, mobile, Mobile App, money, More, more money, mutual funds, needs, net worth, new, News, offer, offers, oldest, Online Banking, Other, party, Personal, Popular, portfolio, Promotion, Purchase, Real Estate, referrals, Research, retirement, retirement accounts, retirement funds, returns, Review, rich, robinhood, robo-advisor, robo-advisors, robs, rollover, roth, Roth IRA, Roth IRAs, Sell, sep ira, shares, single, Spending, stock, stock market, stocks, Strategies, Style, target, tax, The Stock Market, title, tools, trading, traditional, traditional IRA, trends, Vanguard, virtual, wealth, will

Student loan repayment and the ethics of personal finance

January 25, 2023 by Brett Tams

[This is the third installment in a series examining repaying student loans. Part I was a best practices guide for repaying student loans. Part II discussed an alternative payment plan, Revised Pay As You Earn or REPAYE.]

Quick Links

  • How is AGI determined?
  • How can I lower my AGI?
  • Is it ethical to artificially lower my AGI?
  • Is it smart to artificially lower my AGI?

In my last post on REPAYE, the new student loan repayment program, I mentioned that it might be possible to artificially lower your adjusted gross income (AGI) in order to lower your required monthly payments under REPAYE.

Posted in: Debt, Mortgage Tips, Taxes Tagged: 2, 457, aid, All, balance, before, Behavior, big, Buying, Career, Children, Compound, Compound Interest, cons, cost, data, Debt, Debts, Deductible, deductions, down payment, earning, Emergency, employer, Ethics, existing, expenses, Finance, financial hardship, Financial Wize, FinancialWize, funds, get started, goals, government, guide, health, Health Insurance, health savings account, health savings accounts, house, hsa, impact, Income, income tax, Insurance, insurance premiums, interest, investments, IRA, Legal, loan, loan interest, Loans, low, LOWER, making, marriage, Medical, medical expenses, money, Money Hacks, More, new, Online Savings Account, Other, payments, Personal, personal finance, plan, Popular, pros, Pros and Cons, questions, REPAYE, retirement, retirement accounts, risk, roth, Roth IRA, save, savings, Savings Account, Savings Accounts, self-employed, sep ira, smart, Spending, student, student loan, student loan debt, Student Loan Repayment, Student Loans, Style, tax, tax-advantaged, taxes, thrift, title, traditional, traditional IRA, under, vehicles, will, work, young

Short-Term Investments to Consider in 2022

January 24, 2023 by Brett Tams

For many, knowing where to invest their money can be nerve-wracking, especially if it’s in a long-term account that they can’t immediately access without facing fees or penalties. Fortunately, there are a variety of short-term investments that you can consider to grow your wealth and withdraw from in a shorter period of time. Knowing what

The post Short-Term Investments to Consider in 2022 appeared first on MintLife Blog.

Posted in: Money Basics Tagged: 2, 2022, ad, All, app, Bank, bank account, bank accounts, before, bills, Blog, bond, bond funds, bonds, business, Buying, CD, CDs, Checking Account, Checking Accounts, Compounding Interest, corporate bonds, COVID-19, Debts, deposit, down payment, earn interest, earning, earnings, Emergency, Emergency Fund, Fall, Family, Fees, Financial Wize, FinancialWize, fixed rate, fund, funds, get started, goal, government, graph, great, groceries, Grow, guide, home, How To, Income, index, interest, interest rate, interest rates, internet, Invest, Investing, Investing 101, Investing Advice, investment, investments, IRA, IRAs, Learn, lending, loan, Loans, LOWER, Main, Make, market, marketable securities, markets, Mint, mint.com, money, money market, money market accounts, More, more money, mutual funds, new, new home, offer, offers, opportunity, Other, payments, peer-to-peer lending, plan, Planning, pool, portfolio, principal, protect, rate, Rates, Research, retirement, returns, risk, roth, Roth IRA, Roth IRAs, save, Saving, savings, Savings Account, Savings Accounts, securities, security, SEO, short-term investment, single, smart, Spending, stocks, taxes, tips, title, traditional, traditional IRA, Treasury, Treasury bonds, Twitter, vehicles, wealth, Wedding, will, withdrawal

How to Save for Retirement From Your 20s to Your 60s

January 24, 2023 by Brett Tams

Deciding how to save for retirement is confusing, but here’s a guide to help you determine whether you should prioritize your 401(k) or your IRA.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Money Basics, Retirement Tagged: 2, 2021, 2022, 2023, 4%, 401(k) plan, 529, 529 plan, advice, aid, All, annuity, apartment, assets, balance, beach, bear market, before, Benefits, big, bills, bitcoin, bonds, brokerage, Budget, Budgeting, Career, CDs, Children, College, College Savings, company, Compound, couple, COVID-19, crash, Credit, credit card, Credit Card Debt, dear penny, Debt, decades, dividend, dividend stocks, down payment, earning, earning money, earnings, education, Emergency, Emergency Fund, employer, equity, estate, ETFs, evergreen, expenses, expensive, Extra Income, Extra Money, Family, federal student loans, Finance, financial aid, Financial Wize, FinancialWize, Forbearance, Freebies, freelance, fund, funds, Giving, goals, good, Grandchildren, great, Grow, growth, guide, health, Health care, health savings account, healthy, home, homeownership, How To, How to save for retirement, hsa, Income, index, Inflation, interest, interest rate, interest rates, Invest, Investing, investment, investments, IRA, irs, job, kids, Life, Lifestyle, lifestyle inflation, Live, loan, Loans, low, LOWER, Make, making, market, Medicare, money, More, Mortgage, Mortgages, Move, mutual funds, needs, net worth, offers, Other, panic, pay bills, paycheck, Paying Off Debt, payments, payroll taxes, Personal, personal finance, plan, planner, Planning, public service, Purchase, questions, Raise, rate, Rates, ready, Real Estate, real estate investments, refinancing, repub, required minimum distributions, resume, retire early, retirement, retirement account, retirement accounts, retirement funds, Retirement Planning, retirement plans, retirement savings, returns, Reverse, reverse mortgage, risk, roth, Roth IRA, safe, Salary, save, Save Money, Saving, Saving for Retirement, savings, Savings Account, Savings Goals, Savings Strategies, School, security, Seniors, SEO, Side Hustle, smart, social security, social security benefits, spouse, Start Saving, stock, stock market, stock market crash, stocks, Strategies, student, student loan, student loan debt, Student Loans, tax, taxes, The Stock Market, traditional, traditional IRA, tuition, under, unique, Vs., waves, will, withdrawal, woman, women, work, workers, working

How to Invest: Tips for Getting Started in 2023

January 24, 2023 by Brett Tams

Making money on the market is very different in 2019 from years ago. Here’s what you need to know about how to invest, from DIY brokerage accounts to robo-advisors and more.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Frugal Living, Investing Tagged: 2, 2023, 4%, 401(k) plan, 529, Acorns, active, advice, All, Amazon, app, Apps, art, assets, average savings, Bank, bank account, banks, bar, basic, before, big, bills, bitcoin, bond, bonds, brokerage, brokerages, build, building, business, Buy, calculator, Capital Gains, capital gains taxes, Career, cars, CD, CDs, clear, College, commissions, company, Compound, Compound Interest, cost, cryptocurrency, currency, Debt, deposit, diversification, diversify, dividends, DIY, down payment, Earn money, earning, equity, Essentials, estate, ETFs, evergreen, expense, expensive, experience, experts, Featured, Fees, finances, Financial Goals, Financial Wize, FinancialWize, food, Freebies, freelancers, fun, fund, funds, General, get started, Getting Started, Giving, goals, gold, good, Google, government, green, Grow, growth, guide, health, Health care, health savings accounts, historical, history, hoarders, hold, home, Home Ownership, house, How To, Income, income tax, index, industry, Inflation, interest, interest rate, Invest, Investing, investing apps, investing in the stock market, investment, investment apps, investment portfolio, investments, investors, IRA, irs, job, Learn, lgbt, loan, low, LOWER, Main, Make, making, Making Money, market, Medical, money, money market, money market accounts, More, Morgan Stanley, Morningstar, mutual funds, needs, offer, offers, Original, Other, ownership, passive, passive income, Personal, plan, planner, portfolio, products, property, Property Investments, Purchase, rate, Real Estate, Real Estate Investing, repub, Research, retirement, retirement accounts, retirement savings, returns, risk, robo-advisor, robo-advisors, roth, Roth IRA, safety, save, Save Money, Saving, saving money, savings, Savings Account, Savings Accounts, searching, securities, Sell, SEO, shares, Short Story, single, Spending, stock, stock market, stocks, story, tax, taxes, Technology, The Stock Market, timeline, tips, traditional, traditional IRA, Travel, Treasury, treasury bills, under, unique, vehicles, virtual, wages, wall, wealth, wealth management, will, work

Roth 401(k) Contribution Limits for 2023

January 23, 2023 by Brett Tams

Saving for retirement is a top financial priority for many. If you’re one of those who has prioritized retirement by opening a Roth 401(k), it’s crucial to use the account optimally to build tax-free retirement income. The IRS has raised … Continue reading →

The post Roth 401(k) Contribution Limits for 2023 appeared first on SmartAsset Blog.

Posted in: Retirement, Starting A Family Tagged: 2, 2023, 401(k)s, 429, advisor, All, ask, assets, author, before, Benefits, Blog, bonds, brokerage, build, building, Capital Gains, capital gains tax, Choices, College, Community College, company, contribution limits for roth 401(k), cost, Credit, Debt, decades, deposit, diversify, down payment, earnings, employer, Entrepreneurs, evergreen_simplefeed_delay, experience, Finance, finances, Financial Advisor, Financial Planning, Financial Wize, FinancialWize, funds, get started, Giving, goals, good, Google, great, growth, health, helpful, hold, house, Income, income tax, Income Taxes, Insurance, interview, Invest, investment, investments, investors, IRA, IRAs, irs, Law, Life, low, LOWER, Main, Make, married, money, More, new, offer, offers, Other, plan, planner, Planning, portfolio, priorities, Rates, ready, retirement, retirement account, retirement accounts, Retirement Income, retirement plan, retirement plans, retirement savings, risk, roth, Roth 401(k), roth 401(k) tax benefits, roth 401k limits, Roth IRA, Roth IRAs, save, savings, stocks, stress, Style, tax, tax law, tax rates, tax-advantaged, taxes, title, traditional, traditional IRA, Twitter, unique, vehicles, will, work, workers

9 Signs Your Retirement Is on Track

January 23, 2023 by Brett Tams

Here’s how you know if you’ll be ready to retire one day.

Posted in: Mortgage News Tagged: 2, 2022, advice, Alabama, All, Auto, Benefits, borrowing, Budget, Budgeting, Bureau of Labor Statistics, car, car loan, CEO, Children, Connecticut, conversions, cost, couple, COVID-19, COVID-19 pandemic, Credit, credit card, Credit Card Debt, Crisis, data, Debt, decades, divorce, earning, Economics, Emergency, Emergency Fund, Entertainment, Fall, finances, Financial Goals, Financial Literacy, Financial Plan, Financial Planning, Financial Wize, FinancialWize, food, Forecast, fund, funds, gap, goals, gold, Grow, How To, impact, Income, Income Taxes, Inflation, Investing, IRA, job, Learn, Life, Lifestyle, Live, LLC, loan, Loans, Make, market, Medical, money, More, Mortgage, Moving, News, offers, Offices, opportunity, Other, pandemic, payments, pillow, pittsburgh, plan, planner, Planning, Preparing for Retirement, president, project, Raise, Rates, ready, Research, retirees, retirement, retirement account, retirement accounts, Retirement Planning, retirement plans, retirement savings, Review, risk, roth, Roth IRA, running, safe, Saving, Saving for Retirement, savings, security, Side Hustle, smart, social security, social security benefits, Spending, statistics, stocks, student, Student Loans, survey, tax, taxes, tips, trading, traditional, traditional IRA, Transportation, Travel, trends, wealth, wealth management, weather, will, woman, work, workers, working

Types of Individual Retirement Accounts (IRAs)

January 22, 2023 by Brett Tams

An individual retirement account (IRA) gives you a tax-advantaged way to save for retirement. Several different types of IRAs accounts exist. Most let savers deduct contributions from their current taxable income and also delay taxing earnings until withdraw money later … Continue reading →

The post Types of Individual Retirement Accounts (IRAs) appeared first on SmartAsset Blog.

Posted in: Retirement, Starting A Family Tagged: 2, 2022, 2023, 429, advisor, All, ask, author, banks, basic, before, Blog, Books, brokerages, business, calculator, College, Community College, cost, Credit, decades, Deductible, deductions, earnings, Employee Retirement Income Security Act (ERISA), employer, entrepreneurship, evergreen_simplefeed_delay, existing, expenses, experience, Finance, Financial Advisor, Financial Goals, Financial Planning, Financial Wize, FinancialWize, freelance, funds, get started, Giving, goals, good, Google, Grow, guide, Income, Income Taxes, interview, Invest, Investing, investments, IRA, IRAs, irs, Law, Life, Main, Make, married, money, More, Music, mutual funds, new, new york, new york times, Other, pension, Permits, Personal, personal finance, plan, planner, Planning, rate, ready, retirement, retirement account, retirement accounts, Retirement Income, retirement plan, retirement plans, retirement savings, roth, Roth IRA, Roth IRAs, Salary, save, savings, Savings Accounts, security, self-employed, sep ira, simple IRA, single, Small Business, spouse, Style, tax, tax brackets, tax deductible, tax deductions, tax-advantaged, taxable income, taxes, texas, The Wall Street Journal, title, traditional, traditional IRA, Twitter, wall, washington, Ways to Save, wealth, will, withdrawal, work, workers, working
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