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401(k) #Retirement Advice-Stop Tinkering

Stop Tinkering With Your 401(k) to Keep Your Wealth

Keep Your Fingers Off the 401(k) Retirement accounts functioned very differently just a couple of decades ago. We had to mail in a deposit to our retirement accounts, or banks drafted deposits out of our bank accounts. To make a change in our asset allocation, we had to call a broker, and our broker had the option either to agree with us or try and talk us out of making a bad decision. Now, thanks to the internet, we can see our 401(k)s with the touch of a button. We can tweak and trade to ou…

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compounding leads to a comfortable retirement

What Factors Impact Whether I’ll Retire Comfortably?

How to Retire Comfortably FF at Feeling Financial asks: What factors play the biggest role in whether or not I’ll retire comfortably? Is it the funds I pick, how much I save, or how often I rebalance? Recently, when talking about budgeting with my Mom, she mentioned that she and my Dad never budgeted. That really surprised me. They were and still are very financially savvy. My dad came from an impoverished background and my mom’s upbringing was modest. My dad started working at age 10 to help…

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Pay Off Debt or Save for Retirement

Pay Off Debt or Save for Retirement – What to Do First?

Michael from Studentloansherpa.com asks: For people with existing debt, such as credit cards and student loans, is it best to pay off debt or save for retirement? I realize that the interest rate is obviously a big factor here, so at what debt interest rate does putting money towards retirement instead of debt make the most sense? Michael, I wish it was that simple, if your interest rate is x percent, pay off debt; if your interest rate is y percent, then save for retirement. Like many invest…

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Retirement account rollover. Turn $50,000 into $453,000 with investing.

What to Do with My Retirement Account When I Leave My Job?

I’d like to ask what should I consider (and what questions should I be asking others/myself) when deciding where to roll-over my 401k? Quick Profile: – 30 years old – Recently married; husband has full-time job, but itching to leave – I just left my full-time job to start my own business (so it will be a while until I can contribute to a retirement plan). – no debts! credit cards paid in full, college loans paid off! – 401k has about $50k Options (broad strokes): – Keep my 401k with my compan…

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The Retiree Next Door success strategies

How to Retire Successfully; 14 Tips From The Retiree Next Door

So, what is the “Retiree Next Door” movement anyhow? In spite of the tongue in cheek opening, This initiative is designed to raise awareness of “successful retirement” and provide evidence of strategies and lifestyle choices which can make your retirement rewarding. This movement rung deep for me. In addition to the fact that I’m staring down the barrel of retirement myself, a large majority of letters I receive from my readers ask retirement questions. Many of those queries revolve around th…

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Information provided on Barbara Friedberg Personal Finance is for informational/entertainment purposes only. This information should not be construed as professional advice. Please seek a certified professional financial advisor if you need assistance. Rates and offers provided by advertisers can change frequently and without notice. We attempt to provide up to date information, but it could differ from actual numbers. Per FTC guidelines, Barbara Friedberg Personal Finance may be compensated by 3rd party companies that are mentioned either through advertising, reviews, affiliate programs, or otherwise. All reviews and articles are based on objective analysis and no compensation will sway our opinion.

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