Why Your Roth IRA Should Be Used for Retirement (and Nothing Else)

There are all kinds of sub-strategies floating around about how to use a Roth IRA as something other than a retirement account. Most involve using it as some form of short- or medium-term savings strategy. This can include using it as an emergency fund, a backdoor college fund for your kids, or even a nest […]


Mint or Personal Capital — Which is Better for Managing Your Money?

Both Personal Capital and Mint offer budgeting and investment management tools for free. We compare them side-by-side to see which tool is best in our Mint vs Personal Capital Showdown. Mint and Personal Capital are two web-based, money management platforms that are frequently compared to one another. While there are some similarities, the differences between […]


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 […]


7 Types of Mortgages — Which Home Loan is Best for You?

If you’re a first-time homebuyer, shopping for a mortgage can be scary. There are just so many types of home loans, and you may not understand what all the terminology means. Before you apply for a mortgage, you should be sure that you understand what’s available. There are literally thousands of specific mortgage products on […]


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 […]


How to Hold Real Estate in an IRA

It often surprises people to learn that you can hold actual, physical real estate in an IRA. But really, it shouldn’t be much of a shock.  The IRS rules regarding investment choices within an IRA are amazingly broad. In fact, you can hold just about any investment in an IRA except for collectibles and life […]