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3 Reasons for Withdrawing Annuity
If you’re planning to withdraw money from your annuity, it’s important to first understand your options. The process can include working with your insurance company to determine how much you want to...
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How to Build a Life You Don’t Want to Retire From
Early retirement is the reason many of us give for the deprivations we impose on ourselves (and our loved ones) on a daily basis. All those sacrifices made at the altar of early retirement....
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How to Negotiate a Mini-Retirement
Some things just don’t fit into a 2-week vacation! If you have ever dreamed biking through Croatia, taking a coast to coast road trip, volunteering overseas, or taking a month to brush up on your...
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FIRE is DEAD
Let’s start by criticizing my own approach: obtain FI status (passive income that cover expenses) via investing in a low cost, diversified portfolio of index funds during accumulation phase, and...
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Are We Facing a Retirement Crisis?
“Assuming a 4% withdrawal rate, the average savings of $152k supports only $6k per year of spending in retirement. Tough to live on $500/month, and a demonstration of how dependent the average Baby...
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Master Delayed Gratification, Achieve Financial Independence
There’s quite a lot of science behind the concept of delayed gratification. There’s the famous marshmallow experiment, and the Freudian psychoanalysis of the “pleasure principle“. To me, in laymen’s...
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How to Retire in 10 Years
The average American has only a little over $200,000 saved for retirement by age 65. It’s a small wonder that 50% of married couples and 70% of individuals receive 50% or more of their retirement...
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Thinking About Starting a Business in Retirement?
If I were to ask you which age group has the highest self-employment rate in the United States, what would your guess be? You might be surprised that it’s the 65+ age group. “Self-Employment in the...
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Passing on Wealth: Understanding the Key Concerns Facing HNWIs
For high net-worth individuals (HNWIs), everything must be in order and plans must be in place so that there is a clear strategy for all finances. However, passing on wealth is something that requires...
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Why Should You Get a Gold IRA?
When it comes to investing for retirement, there are many different options available— stocks and mutual funds, to name a few. However, market uncertainty has encouraged many investors to broaden...
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7 Bad Reasons You Aren’t Saving for Retirement
You work hard at your job to pay your bills and afford a comfortable lifestyle — but that lifestyle won’t last forever if you aren’t saving for retirement. Eventually, you will either not relish the...
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Is a Roth IRA Right For You?
Financial experts recommend setting aside money that will cater to your needs when you retire. Among the recommended money-saving solutions is Roth Individual Retirement Accounts (IRA’s); is it right...
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How to Choose the Best Retirement Plan
According to the Internal Revenue Service (IRS), the earlier you start your retirement plan, the more financially secure you will be later in life. By making small contributions over the course of...
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The Advantages of Deferred Compensation
If your employer holds part of your paycheck until a specific date, that would be deferred compensation. Often, your employer withholds these funds until you retire. A company may offer a deferred...
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4 Steps Toward A Secure Retirement
The initial foundation of a successful retirement savings plan is laid by your present age and planned retirement age. The more time you have between now and retirement, the more danger your portfolio...
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How to Invest in a Gold IRA
Have you started investing for your retirement? While many individuals tend to invest in stocks and shares, the precious metal market is considered a safe alternative as well. Gold Individual...
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What is an IRA?
An IRA or Individual Retirement Account is a retirement investment with tax advantages that investors will find either through brokerages, financial institutions like banks, or using Robo-advisors....
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How Can You Save Effectively for Retirement?
It is vital to have financial goals. Some of them might be short-term financial goals, such as saving up for a new video game. Other financial goals might be long-term, such as saving for retirement....
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Why You’re Not Saving For Retirement (And What to Do About It)
Not saving enough money for retirement can hurt you as you grow old. While results may not always be disastrous, they may have an adverse effect as you age. An example you might have come across could...
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How the SECURE Act 2.0 Would Change Retirement Planning
The Secure 2.0 Act has gained a lot of attention. It comes with tax credits and retirement benefits aimed to help employers and people in all stages of retirement savings. This act comes with...
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