The following information is taken directly from the IRS's Web site on the Retirement Savings Contribution Credit (Saver's Credit) program: -------------------------------------------------- You may...
Money Mastery Blog
Spend All Your Money on Paper so You Can See How to Create a Cash Surplus
We all want more money, but how can you make that happen? First make a list of why you want more money. Be comprehensive and make sure you don’t leave anything out. Dream big and write down as...
Have We Become a Nation of Spoiled Brats?
In 1935 our nation was in the worst economic depression of all time. Unemployment was at 40% and senior citizens did not have enough food to survive. President Roosevelt created a welfare system...
There Must Be Fun to Make the Hard Parts of Life Worth Living…
The Money Mastery system of personal financial management teaches that savings is actually just "delayed spending." What this means is that all money is to be spent -- some will be spent now, and...
Why You Need Money to Buy More Time…
As they say, if you learn how to handle money you will have a good life, but if you don't you'll always be running in circles. I know money is not the most important thing in the world, except if...
The Four C's of Retirement Planning…
Recently I was sitting in a retirement income training class and the four C’s of retirement planning were presented that just made good sense. I have changed the details a little so that they fit...
What Is a True Financial Coach and How Do They Differ from and Adviser?
Many people confuse financial coaches with a financial adviser. These are two very different animals that need distinguishing. Financial Coach: A true financial coach focuses on your knowledge,...
How Do You Determine Retirement Needs Accurately?
Here are the U.S. statistics on how workers plan for retirement: 3% don't have any idea 47% do their own calculations or use a financial adviser 50% just guess To help you avoid guessing, I offer...
Your Financial Life is Like a Puzzle… How Well Are You Putting It Together?
Your financial life is much like a puzzle, there are pieces that must fit together neatly or there is no picture to see. But how do you make sense of the puzzle if you don't even know what it's...
Fixed Indexed Annuities Are a Good Tool If You’re Getting Close to Retirement
When you see an investment report on a 401(k), for example, it most often shows the average rate of return on funds over the last 40 years. Averages do not show the impact on retirement of periodic...
Why 529 Plans Aren’t the Best Way to Save for College Education
Here is an explanation of 529 plans to fund college educations taken from a well-respected college planning firm. Review this accurate treatment, then allow me to add my perspective: Offered by...
Knowledge Is Worth Its Weight in Gold
It seems to me that since a librarian has access to so much knowledge, that the old adage “knowledge is worth its weight in gold” would mean they would be rich! But knowledge isn't enough,...

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