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Right now, the so-called “three-legged stool” of retirement income is rapidly losing its legs. Social Security was never a program designed to provide an adequate retirement income — it has always been considered supplemental. By the time I retire, Social Security may not even be a contender. Few companies offer pensions anymore, and if you [...]

Times are tough-there is no doubt about that. If you have a retirement account that you are able to “borrow” from you may find yourself tempted to do just that to make it through a financial hardship. Unlike a savings account you are required to repay your 401(k) or face stiff penalties. Many people can [...]

With tax season recently over, I’m not terribly surprised that I’ve got a few questions in my email inbox that essentially ask this question:
What should I do with my tax refund?

This is, obviously, a question that you can really only answer for yourself. (Personally, I prefer to have a $0 tax refund) But many people [...]

It may seem counter-intuitive to say that you want a $0 tax return. But that is my goal. What a tax refund indicates is that you have paid more in taxes than you needed to. It means that you have given the government an interest-free loan. Tax refund money is money that you could have [...]

For years, personal finance gurus have said that the most important thing you can do is pay down your high interest credit card debt. In fact, most personal finance conventional wisdom has revolved around the idea of putting together a small emergency fund ($1,000 or so) and then tackling credit card debt aggressively. But now [...]