401K

A new baby is a life changing event!  Have I stated the obvious? Your home will be one of upheaval when a new baby arrives.  Those idealic weeks of planning the nursery and imagining yourself holding a smiling baby will quickly give way to the reality of changing diapers, spitting up, sleepless nights, and a
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Did you listen to me? Did you start your 401K? Excellent! Now leave it alone!  No, I don’t mean the occasional rebalancing.  I mean the whole thing!  Leave it alone! Nearly every year that I have prepared taxes, someone comes in with a decimated 401K. No, I’m not talking about a 401K that is riding the
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For much of the 1900’s, pensions, social security and personal savings provided the retirement income for most working Americans.  This worked reasonably well for a time. But there were limitations. Since the 1970’s there has been concern that Social Security would run out of money.  In an effort to keep Social Security viable, there have
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