Is a Spousal IRA Right for Your Retirement Savings Needs?

The spousal IRA, also known as the Kay Bailey Hutchison Spousal IRA, is a special provision IRA that is available to spouses who do not work outside the home. It gives such spouses the ability to create and fund their own IRA, even though they do not earn income. This is a powerful advantage for […]

Published or Updated: April 29, 2016

Thrift Savings Plan User? This is the Only Cheat Sheet You’ll Need

Mark Hull

Are you a federal employee or member of the Armed Forces interested in retirement planning? Do you want to take control of your financial future? Are you craving an investment plan that you can manage on your own? You’re in luck because you have access to a great investment program: the Thrift Savings Plan. This TSP Cheat Sheet covers […]

Published or Updated: April 16, 2016

5 Reasons Never to Roll a 401k Into an IRA

A question came in on the Dough Roller Facebook group in regard to rolling a 401(k) plan over into an IRA: “I’ve got a 401K from prior job and 401K from current employer. Between the 2 I’ve got all the funds I need with good fee structure. But, I keep hearing roll the old 401K […]

Published or Updated: April 6, 2016

3 Money Rules that will Guarantee an Early Retirement

Chris Mamula

“I know all the rules but, the rules do not know me. Guaranteed” After listening to the 200th episode of the Dough Roller podcast, I answered the call to be a contributor to the website.  I will share my experiences with building wealth and becoming a DIY investor and tax planner to prepare for our […]

Published or Updated: April 3, 2016

The Pros and Cons of After-Tax 401k Contributions

After-tax 401(k) contributions are unfamiliar to most people since employers don’t typically offer the option. But, some employers do, and after-tax 401(k)’s may be gaining in popularity. We were inspired to write about the topic based on the following question from a reader named Josh: “I just started a new job this week and on the 401(k) […]

Published or Updated: March 4, 2016

Transform Your Retirement with Low-Cost 401(k) Platforms

Bill Ryan

“My employer’s 401(k) choices stink!” It is a complaint heard all too frequently on personal finance forums and among coworkers, especially when it comes to small businesses – and for good reason.  Small business 401(k) plan menus often consist of expensive, actively managed funds that may not have been updated in years, offered by huge […]

Published or Updated: February 26, 2016

Non-Deductible IRAs and IRS Form 8606

We recently received a reader question about non-deductible IRA contributions, and it got us thinking. Here’s the question: “My first question pertains to non-deductible IRAs. I have a rollover IRA from a previous 401K. Due to my income, if I ever decided to make additional contributions to this “traditional” IRA, it would have to be […]

Published or Updated: February 26, 2016

7 Things to Know About the Military’s New Retirement Plan

Mark Hull

The views expressed in this article are those of the author only, and do not necessarily reflect those of the U.S. Army or Department of Defense.  President Obama signed the 2016 National Defense Authorization Act (NDAA) into law on November 25, 2015. Before both houses of Congress approved the bill, a large part of the […]

Published or Updated: February 9, 2016

Which Retirement Calculator is the Best?

If you don’t know exactly what you’re “retirement number” is, saving for retirement is like chasing a moving target. Your retirement number is either a desired monthly income or the size of a retirement portfolio necessary to produce that level of income. We’ve identified five popular calculators that can help you determine your number. We’ll run a set […]

Published or Updated: March 14, 2016

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