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Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

Who Can You Claim as a Dependent on Your Tax Return? Photo of Lance Cothern Lance Cothern Who Can You Claim as a Dependent on Your Tax Return? When you’re filing your taxes, you’ll need to know who you can claim as a... How to Calculate Your Tax Bracket During Retirement Find out how to calculate your income tax bracket during retirement and determine the tax rate on any income, capital gains, and retirement fund distributions. Can You Opt Out of Paying Social Security Taxes? Find out whether or not you can opt out of paying Social Security taxes, which are typically taken automatically from your paycheck. 7 Options If You Don’t Have Health Insurance From an Employer Photo of Lance Cothern Lance Cothern 7 Options If You Don’t Have Health Insurance From an Employer Having health insurance is important. Without health insurance, one visit to... Roth IRA Contribution Limits for 2023 and 2024: How to Maximize Tax-Free Growth Photo of Lance Cothern Lance Cothern Roth IRA Contribution Limits for 2023 and 2024: How to Maximize Tax-Free Growth Retiring is a goal many people dream of. In order to retire, people need to find a... Foreign Bank Accounts: Reporting & Tax Rules That You Have to Worry About If you have (or are thinking about) a foreign bank account, learn about the rules regarding reporting and taxes to ensure that the IRS doesn't come after you. New 20-Year Treasury Bonds: Pros and Cons to Consider Before Investing Find out about the pros and cons of investing in the new 20-year Treasury bonds, a new form of low-risk investment to help diversify a portfolio. Tax Efficient Investing: Put Investments in the Right Places to Reduce Taxes Owed Photo of Lance Cothern Lance Cothern Tax Efficient Investing: Put Investments in the Right Places to Reduce Taxes Owed Investing is tricky on so many levels. You have to figure out what to invest in,... How to Save on Life Insurance With the Ladder Strategy Photo of Lance Cothern Lance Cothern How to Save on Life Insurance With the Ladder Strategy A person’s need for life insurance coverage changes as they grow older. Initially,... 8 Business Checking Account Fees to Watch Out For See the most common fees associated with business checking accounts so that you know what to watch out for when picking a checking account for your business.