The traditional view of retirement — working for the same company your entire career and then retiring to draw a lifetime pension — is a thing of the past. Yes, some government workers continue to retire with paid pension plans, but as states and municipalities continue to fight for survival, these pension plans will also […]
Should a College Student Invest for Retirement?
I recently received a delightful letter from a college student who wanted my advice about investing for retirement. I say delightful because I simply don’t get many money management for college students requests, especially about retirement planning.
4 Reasons to Start Your Social Security Early
Most retirees ponder this question: “When should I start taking my Social Security benefits … at age 62? At full retirement age? Somewhere in between?” The conventional response to this question is “Wait as long as you can.” After all, those whose full retirement age is 66 will face a 25% lifetime reduction by starting […]
How to Have a Good Retirement When Things Are Looking Bad
For many Americans, the prospect of a dream retirement is fading. However, those very factors which produce so much gloom can actually make retirement better. Hold that thought as we first examine the bad news about retirement.
My Answer to Reader: Do the Math and Leave Your 401(k) Alone
A reader recently wrote the following comment on my post 4 Reasons You Should Not Use Your 401k to Pay Off Your Credit Card so I have pasted both the comment and my answer, hoping that you readers will help scrutinize my logic and point out any flaws you may notice. Obviously, I made some […]
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