retirement savings

Starting a Roth IRA Late? Start Anyway

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Starting a Roth IRA late is still worth it. Whatever you build is more than you would have if you did nothing. Start now and keep it simple.

Starting a Roth IRA late is still better than never starting at all. If you are 40, 45, 50, or older and have not started investing for retirement, stop comparing yourself with someone who started at 21. Starting earlier is better. More years means more time for your money to grow. That is simple math. … Read more

Roth IRA at 21: Max It Out and Live Your Life

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Roth IRA at 21 turns $625 a month into over $7 million by retirement. Here is how to set it and live your life without pinching pennies.

A Roth IRA at 21 sounds like something for later. It is not. If you start investing in a Roth IRA at 21 and do one simple thing every year until you retire, you can end up with millions of dollars and never have to think hard about money again. No spreadsheets, no stock picking, … Read more

Employer Match: Don’t Leave Free Money Behind

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Employer match is free money your job gives you. When budgets get tight, drop to the match and keep it. Here is how to protect it.

Right now, a lot of people are looking at their monthly budget and wondering what has to give. Groceries cost more. Everything costs more. And that chunk coming out of your paycheck for retirement starts to look like an easy target. Before you pause your contributions entirely, there is one thing worth understanding: your employer … Read more