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.

How the Government Shutdown Affects Furloughed Employees Financially Photo of Lance Cothern Lance Cothern How the Government Shutdown Affects Furloughed Employees Financially Each year, Congress must allocate money to the many departments and agencies that... How to Get Health Insurance Coverage Without Medicare Learn how you can still get health insurance coverage if you're not eligible for full (or partial) Medicare benefits. 6 Ways You Can Set Up Savings for Your Grandchildren Learn about the different ways that a grandparent can help save for the financial future of their grandchildren, whether it be for general use or education. What Would Be Considered a Financial Emergency? Photo of Lance Cothern Lance Cothern What Would Be Considered a Financial Emergency? Building an emergency fund can take months or years of diligent saving. When it... What You Need To Know About ABLE Accounts Photo of Lance Cothern Lance Cothern What You Need To Know About ABLE Accounts ABLE accounts are a relatively new type of tax-advantaged savings account. They... The Biggest Fees That Are Hurting Your Retirement Savings Find out which fees are hurting your retirement savings the most -- and what you can do to avoid or minimize those fees for faster growth of retirement savings. How to Withdraw Money From 401(k)s and IRAs During Retirement Learn the order in which you should withdraw from your retirement accounts (including 401(k)s and IRAs) so that you pay the least taxes and avoid penalties. 529 Plan vs. Coverdell Education Savings Account (ESA): Which Is Better For Future Education Expenses? Photo of Lance Cothern Lance Cothern 529 Plan vs. Coverdell Education Savings Account (ESA): Which Is Better For Future Education Expenses? Saving to help put your kids through college is an enormous task. However,... What to Do If Social Security Benefits Aren’t Enough for Retirement Photo of Lance Cothern Lance Cothern What to Do If Social Security Benefits Aren’t Enough for Retirement When you retire, you probably thought your Social Security benefits and any other... How to Get Health Insurance in Retirement and Minimize Medical Expenses Find out how to obtain health insurance in retirement when employer-sponsored medical coverage is not an option. Compare Medicare and paid insurance options.