Clever Girl Finance

DECEMBER 16, 2023

If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.

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Clever Girl Finance

JANUARY 22, 2024

If you’re really struggling financially and aren’t sure which problem to tackle or how, budget counseling can help. Table of contents What is budget counseling? Does budget counseling affect your credit score? Articles related to counseling and budgeting Consider budget counseling to get your finances in order!

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Budgeting Financial Counseling Debt Management Financial Advisor 71

Carson Wealth

DECEMBER 27, 2023

Taxes & Retirement Plans Tax law seems to get more complicated every year. This can be paired very nicely with charitable giving. · Contribute to your employer sponsored retirement plans and other retirement plans – This would include any catch-up contributions for of-age individuals.

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Planning Retirement Planning Insurance Taxes 89

WiserAdvisor

JANUARY 16, 2024

This data can serve as a baseline for tailoring your retirement plan, taking into account factors such as inflation, your current age, and your desired retirement age. Calculating potential housing costs accurately is fundamental for developing a realistic retirement budget. of overall expenses.

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Clever Girl Finance

FEBRUARY 18, 2024

Take a closer look at your budget 3. Track your spending to stick to the plan 4. Articles related to quitting shopping You can learn how to stop shopping and save money! A few good examples include getting out of debt , retirement planning and saving , or setting out on a journey of homeownership.

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Clever Girl Finance

DECEMBER 1, 2022

In this article, I’ll take you through everything you need to know in order to plan for your financial future. Keep reading, then get ready to take some action to kick-start your own solid money plan. These items below are essential to your money plan (Click the links below to delve deeper into each!): Plan for taxes.

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Random Roger's Retirement Planning

JUNE 7, 2024

A bunch of quick hits from this weekends Barron's as the articles come out today. For all the worry about retirement readiness, Barrons found a survey where retirees say they are doing just fine. If there is a problem, it is with people still working who are collectively very undersaved for their retirement.

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Clever Girl Finance

MARCH 19, 2024

Create a list of things to plan for How to make a financial plan Expert tip: Consider your needs for each life stage Determine the type of financial plan you need Tips on how to frequently review your financial plan What is a financial plan using an example? Is a financial plan the same as a budget?

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Random Roger's Retirement Planning

APRIL 2, 2024

In the last couple of years we cut several expenses which in the context of a post retirement budget could add up. That same article said that cardiovascular disease will cost $263,000-$315,000 out of pocket for retirees. The article didn't put cancer in that same context but I can't imaging it would be cheaper than CVD.

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Retirement Taxes Numbers Accounting 94

Clever Girl Finance

JULY 24, 2023

Articles related to 401k accounts and retirement savings Decide if you should max out your 401k to increase your retirement savings! 4 Reasons you should A 401k is one of the most common types of employer-sponsored retirement plans. At what age should I start maxing out my 401k? Should I max out my 401k?

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Clever Girl Finance

NOVEMBER 4, 2022

Use a budgeting app or keep a spreadsheet of your spending for a few months. Create a budget. Building a budget is a great place to start improving your financial stability. A budget lets you allocate your money each month. Budgeting might seem complicated, but your budget can be as simple as you like.

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Budgeting Accounting Planning Retirement 80

Trade Brains

DECEMBER 7, 2023

In this article, we guide you through the list of top personal finance courses designed for beginner to intermediate-level learners. From budgeting basics to investments, these courses offer a comprehensive foundation for managing your money in a better way. You can enroll in the course here.

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Budgeting Certification Education Asset Allocation 59

WiserAdvisor

MARCH 22, 2024

This inquiry paves the way for financial planning and unravels the complexity of individual aspirations, lifestyle choices, and the inevitable uncertainty of future needs. Enter the “10X rule” for retirement savings, a popular benchmark that simplifies the daunting task of retirement planning into a more tangible goal.

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Good Financial Cents

JANUARY 26, 2023

But while it’s possible to retire at 50 and have plenty of time left in life to have new experiences, it takes careful planning and a will of steel. The stock market has returned an average of between 9% and 11% over the past 90 years and that’s the kind of growth that you’ll need to tap into if you want to retire at 50.

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Retirement Taxes Retirement Planning Accounting 122

Good Financial Cents

AUGUST 5, 2022

Finding extra money in your budget to invest can seem like an impossible task. For example, contributions to traditional IRAs (but not Roth IRAs) and most employer-sponsored retirement plans are generally tax-deductible. Ad Looking forward to your retirement? Set a Contribution Schedule and Stick With it. Low enough?

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Zoe Financial

MAY 18, 2023

From retirement planning to market volatility, equity compensation, family expenses, and major life transitions, it’s easy to feel overwhelmed with financial responsibilities. Some questions that an advisor can help you answer are: How will the budget be handled? Are you ready to grow your wealth?

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Good Financial Cents

APRIL 1, 2023

When you turn age 72, you’re required to begin receiving distributions from the plan. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. The numbers are different if you’re not covered by an employer-sponsored retirement plan, but your spouse is.

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Good Financial Cents

JULY 3, 2023

Just be a budget whiz, stay on top of those finances, and you’ll find that $30 an hour can go a long way. So, while your daily earnings may hover around two hundred bucks a day, don’t forget to plan for those no-pay-off days. The table below shows the recommended budget percentages based on an hourly wage of $30.

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Budgeting Taxes Numbers Retirement 73

Random Roger's Retirement Planning

JUNE 18, 2024

The title of the article is Advisors Do Retirement Planning All Wrong so you have a sense of what's coming before you even start reading. First up, he calls 401k plans "abject failures." Kotlikoff believes advisors are "telling clients the wrong things about retirement planning to maximize their profits."

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Clever Girl Finance

AUGUST 15, 2022

In this article, we will discuss how to talk about finances when married. Retirement. Retiring is one of the top long-term goals for many, and early is becoming very popular. However, in order to make your retirement plans work, you will need to decide your objectives with your partner. Let's dive right in!

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Good Financial Cents

JUNE 11, 2023

What’s more, these wealth advisors aren’t really there to teach you how to put together a budget, they strictly manage your money. Personal Capital’s Retirement Planner allows you to run numbers on your retirement to make sure that you will be prepared when the time comes. Personal Capital to the rescue.

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WiserAdvisor

AUGUST 3, 2023

This article will explore whether their fee of 1% is worth it. A reputable financial advisor should provide a comprehensive range of services, including budgeting, debt management, insurance optimization, tax planning, retirement planning, estate planning, and investment management.

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Clever Girl Finance

AUGUST 14, 2024

In this article, you’ll find out answers to questions like, “40k a year is how much an hour?” If you prefer to budget on a monthly basis, it’s helpful to know how much you’ll be working with. Based on the detail in this article, you now have the answer to, “how much is $40,000 a year per hour?”

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Budgeting Taxes Planning Retirement 52

Clever Girl Finance

JANUARY 22, 2023

Knowing where you stand can make sure you are on target for your retirement goals, as well. In this article, we take a closer look at the numbers and average savings by age. If you aren’t saving anything for your future, that’s likely a sign that you need to rework your budget or pursue income-boosting opportunities.

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WiserAdvisor

SEPTEMBER 8, 2023

Delaying specific actions until your retirement is finalized can help you better prepare for this significant life transition. You may consult with a financial advisor to understand how to prepare for retirement and the importance of adopting a prudent approach to retirement planning.

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Random Roger's Retirement Planning

AUGUST 2, 2023

More Generation X retirement doom today from both Bloomberg and Yahoo. Part of the Bloomberg article cited a study from Schwab that showed respondents believing they need $1.8 million for retirement which is up from $1.7 million last year. We went through this exercise recently. What are your numbers?

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Clever Girl Finance

AUGUST 8, 2022

For example, you want to travel in your retirement years. You’ll need to budget more retirement savings for travel but might need less for housing costs. You’ll want to make sure to include education savings in your retirement planning. Your lifestyle will have one of the biggest effects on your retirement needs.

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Good Financial Cents

APRIL 19, 2023

In this article, we’ll explore what exactly goes into making a six-figure income and the types of jobs that can provide an annual salary in this range. To maximize your earnings at this level, focus on financial planning and budgeting, as well as on improving your skills and knowledge.

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Good Financial Cents

JANUARY 23, 2023

Personal Capital also provides investment tracking, retirement planning, and budgeting tools to help you manage your finances and reach your financial goals. Research Articles Cited IRS.gov (n.d.) 401(k) Plans Retrieved from [link] Donald Hays and Briana Sullivan (2022 Aug 1st) The Wealth of Households: 2020.

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Clever Girl Finance

MAY 13, 2023

Related financial freedom vs financial independence articles Decide how you will create more freedom with your finances! Get on the right track to meet your retirement goals Around 25% of Americans don’t have any retirement savings at all, while 30% don’t feel their savings are on track. What is financial independence?

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International College of Financial Planning

MAY 30, 2023

Some of the key components of financial literacy include: Budgeting and saving Creating a budget is the foundation of sound financial planning. Saving is an integral part of budgeting, as it allows individuals to build emergency funds, plan for future expenses, and achieve long-term financial objectives.

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James Hendries

OCTOBER 5, 2022

No matter your age, you may save for retirement. Make your savings allocations a part of your monthly budget, like any other bill. As you get nearer to retirement, you may take advantage of the increased limits for retirement contributions. This article was prepared by WriterAccess. LPL Tracking #1-05313109.

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Random Roger's Retirement Planning

APRIL 23, 2023

The Atlantic had what I would describe as a very left leaning article about lowering the retirement age in the US while increasing payroll taxes to pay for it and to cover the expected shortfall in Social Security due to hit in 10-12 years. For the record, I am very centrist. That's how I felt 20 years ago and still do.

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WiserAdvisor

JUNE 13, 2023

Retirement planning focuses on the steps you need to take to achieve your desired retired life, such as saving and investing wisely, creating a budget, and considering your healthcare needs. However, it is also essential to be aware of the potential pitfalls and things to avoid during the retirement planning process.

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Random Roger's Retirement Planning

NOVEMBER 1, 2023

Take all of the above as reiteration from me, that no one, not the government, "no one will care more about your retirement than you," Joe Moglia quote. So if someone covers $5000 of budgeted expenses from those sources and needs another $1000/mo for the rest of their budgeted expenses then they should set aside $120,000.

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Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . I had the opportunity to share my thoughts on Social Security with Tracey Longo at Financial Advisor Magazine for her article Advisors Concerned As Covid Speeds Projected Social Security Shortfall. The post Worried about your future Social Security benefits?

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Random Roger's Retirement Planning

SEPTEMBER 22, 2022

We talk about padding retirement budgets for unbudgetable expenses by $1000/mo or some other number relevant to your circumstance and history with unexpected one-offs. Figuring that out now, ahead of time, before you need it is the best chance for a more robust and resilient retirement plan.

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