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Starting Down the Road to Financial Independence? Don’t Obsess Over Investment Returns, but you MUST Obsess Over this
Wed, 03/26/14 | 13 Comments
Starting Down the Road to Financial Independence? Don’t Obsess Over Investment Returns, but you MUST Obsess Over this

The 20somethingfinance motto is “Get a Head Start on your Freedom”.
“Freedom” is a bit ambiguous really, and as with a lyric on a favorite song, you can take it to mean whatever you like. But …

myRA Retirement Plan Details: Everything you Need to Know
Mon, 02/10/14 | 12 Comments
myRA Retirement Plan Details: Everything you Need to Know

In the most recent State of the Union, President Obama mentioned a new retirement plan, called myRA (short for “My Retirement Account”). Awww… isn’t that a cute little name for a retirement plan? Who’s a …

Should you Contribute to a 401k or IRA when in Debt? Apply the 5% Cutoff Rule
Thu, 12/26/13 | 10 Comments
Should you Contribute to a 401k or IRA when in Debt? Apply the 5% Cutoff Rule

One of the most common financial topics brought up at the work lunch-room table (or really anywhere, now that I think about it) centers around the old save for retirement vs. pay off debt debate.
The …

Choosing Part-Time
Thu, 12/12/13 | 9 Comments
Choosing Part-Time

The last two jobs my wife has been offered (and accepted) were both part-time jobs.
The first, as a landscape architect, was 4 work days (32 hours) per week.
The second, as a registered nurse, was 2 …

The Current “State of Retirement” for Gen X & Y
Thu, 11/21/13 | 15 Comments
The Current “State of Retirement” for Gen X & Y

I hate to break it to you. But somebody has to.
You’re not going to hear it from your parents, your employer, or your spouse. And the news media would rather focus on more trivial matters.
It’s …

If you have a Pension, Get to Know the PBGC
Mon, 11/18/13 | No Comment
If you have a Pension, Get to Know the PBGC

If you’ve only ever had access to a defined contribution retirement plan like a 401K or 403B, you have little stake in the Pension Benefit Guaranty Corporation (PBGC).
Defined contribution plans are, by nature, fully funded …


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