How to Retire Early With a Roth IRA Conversion Ladder

If you are planning on early retirement, one of your biggest concerns is probably how you will be able to survive in the retirement years before you turn 59 1/2. Like most people, the vast majority of your savings and investments are probably in tax-sheltered retirement plans. Of course, you will also have to pay […]

Published or Updated: November 29, 2016

What to Do When Your Employer’s Retirement Plan Sucks

Evan Gautier

Maybe you are the person who eagerly devours benefit booklets and paperwork first thing when you get a new job. Or perhaps you’ve been at your office for 10+ years and you just realized that you should probably start saving for retirement. Regardless, at some point you are likely to be faced with the task […]

Published or Updated: November 22, 2016

Roth IRA Contribution and Income Limits for 2017

The IRS recently released its 2017 update to income and contribution limits for Roth IRAs. As detailed below, the contribution limits for a Roth IRA are unchanged for 2017 — they remain at $5,500. The catch-up contribution for those 50 or older, which is not indexed for inflation, remains $1,000. The income limits to qualify […]

Published or Updated: November 4, 2016

401k and IRA Contribution and Deduction Limits for 2017

The IRS recently released the new 2017 401k and IRA contribution and deduction limits. The limits for both IRAs and 401ks remain the same in 2017. And that’s true for both contributions and catch-up contributions for those 50 or older. Here are the details. 401(k) Contribution Limits As announced by the IRS, the contribution limit […]

Published or Updated: November 29, 2016

Early Retirement: How Important Is It to Pay Off Your Mortgage First?

When you plan for early retirement, you’re not just planning for the last few years of your life. It’s more like preparing for the second half of your life. This time frame will likely span a number of decades. One of the best ways to successfully prepare is to get out of all debt, including […]

Published or Updated: October 23, 2016

How to Use a Health Savings Accounts to Save For Retirement

I‘ve recently received a couple of emails from readers about Health Savings Accounts. One comes from Robert, who writes: I would like you to cover HSAs in the future podcast. We just started using one, and we are getting confused and occasionally tripped up by some of the rules. And a podcast listener named Patrick […]

Published or Updated: October 24, 2016

Real Estate Versus Stocks: Where Should Your Nest Egg Go?

There is a debate that comes up often when discussing long-term investing. Are real estate ventures or stocks the better choice for investing, either for early retirement or financial freedom? Let’s take a look at the rates of return on investment in both stocks and real estate, and see how they compare. The Long-term Performance […]

Published or Updated: September 21, 2016

How to Access Traditional Funds In Early Retirement

Evan Gautier

Saving for retirement can be one of those things that is simple, but not easy. If you are like most people, you probably spend a lot of time and energy worrying about getting the money into your retirement accounts in the first place and haven’t considered how you’ll get it out. In practice, adequately funding […]

Published or Updated: September 20, 2016

3 Lessons You’ll Find in the Four Percent Rule

Chris Mamula

If you’ve spent any time on retirement planning, you’ve probably heard mention of the 4% rule. It was developed to help determine how much money retirees could safely take from retirement accounts annually, without depleting their funds. Summarizing the rule quickly, you can withdraw 4% of your portfolio on day 1 of your retirement. You […]

Published or Updated: September 12, 2016

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