There’s a lot of discussion around optimizing your debt. Figuring out which order to pay off debt, keeping your emotions in check, minimizing interest, moving money around… the reality is that these aren’t solutions to the debt problem; in fact they are hindering your ability to get out of debt!

I’ve been finalizing our budget for the upcoming year. Included is determining how much to contribute to our various retirement accounts. My husband works for a university, so he has two plans available to him: the 457 and the 403b.

It’s time to celebrate! My company just announced that we are getting the Roth 401k! I received a couple emails from coworkers that my employer is going to offer the Roth 401k next year. Yipee!! Regular readers know that I have been campaigning for access to the Roth 401k. I’ve emailed my HR department numerous times [...]

We recently set up a special needs trust for for a family member. It is an important part of planning for the future of a disabled individual and has large consequences if done incorrectly.
Special Needs Trust
Special needs trusts, or supplemental needs trusts, provide the means to care for a disabled child (or adult) after the parents or [...]

In Roth IRA Conversion Rules Highlighted Russ commented that his employer is starting a Roth 401k plan in 2008. The Roth 401k plans are relatively new and many people haven’t heard of them yet. Employers are slowly starting to offer them to employees. Let’s explore how the Roth 401k works, the benefits over the Roth [...]