Three Ridiculous Retirement Mistakes

People make mistakes. There’s no avoiding it. The key to success in retirement planning (and in life itself) is to avoid making huge, outrageous, absurd, mind-numbingly stupid mistakes. With that i... Read »

Diversification? Asset Allocation? Huh? What Are You People Talking About?

Do you remember when you were very young, and people tried to teach you extraordinarily important financial lessons through easily remembered phrases? No? I guess it didn’t work. Well, anyway, on... Read »

Should I Buy an Annuity?

Annuities are kind of … weird. There are some great reasons to buy one. But they tend to be even more confusing than other confusing types of investment. So should you buy an annuity? The answer ... Read »

Is My 401(k) Plan a Rip Off?

Worried that you’re getting ripped off by your 401(k) plan? We can’t blame you. Lots of people are getting ripped off. Heck, millions of people get ripped off. In fact, a recent study showed that ... Read »

Retirement Planning for Immortals

The average American lives for about 78 and a half years. That’s not bad. The Japanese live longer (82.6 years), but Americans live roughly twice as long as the unfortunate residents of Mozambique, ... Read »

How Much Money Will I Get From Social Security?

Wondering how much will you get from Social Security? Here's the answer: Not enough. Were you looking for a more helpful and encouraging answer? You came to the wrong place. We’re realists around ... Read »

Retirement planning …. for kids

Think of the kids. Retirement planning is usually all about you. It involves making investment decisions that ensure you’ll be able to do the things you want to do when you’re retired …. like eat. ... Read »

When Should I Start Saving For Retirement?

When should you start? Are you kidding me? You haven’t started already? You should start now...this very kidding, I mean start right now! In the entire complicated world of personal fi... Read »

What is an IRA? Traditional vs. Roth

Way back in 1974, Congress passed a bill that created the Individual Retirement Account. The idea was to allow people who didn’t have a pension plan to set aside money for their own retirement. In 1... Read »

How Much Should I Contribute To My 401(k) Plan?

It’s the question that seemingly drives the entire investment industry -- how much should I contribute to my 401(k) account? There are loads of answers out there on the Internet. Investment advisor... Read »

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