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Paying off a primary mortgage is important, which is why so many people give it priority over other financial goals. However, this might not always be the best method to grow your wealth. A mortgage can definitely hinder your ability to save, but there are some situations where saving and investing should come first.
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Setting a manageable budget is hard enough on a fixed income. After all, emergencies or unplanned expenses can add a lot of variables to your budget, even if your income doesn’t change. So what happens when your income changes from month to month? How can you set a budget that works for you?
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Supplemental group insurance can be a great way to add an extra layer of security in your life. However, like any form of insurance, you will need to weigh the costs and benefits of adding to your existing plans. This begs the question: is supplemental group insurance the right option for you? While there is no one-size-fits-all answer, there are a few things you should consider before making any decisions.
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Though they have been around since the 1970s, 401(k) plans are still one of the best ways to save for retirement. Nowadays, many 401(k) plans allow for Roth contributions. You’re probably wondering: what exactly is a Roth contribution? And should you make Roth contributions inside your 401(k)? What are the benefits? We will discuss all of this and more, but first let’s look at how 401(k) accounts utilize Roth contributions.
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It may seem counter-intuitive, but spending your Health Savings Account (HSA) contributions on medical expenses now could be a huge mistake. While medical expenses are a necessity, it could actually save you a lot of money to use your own funds to pay for healthcare costs, especially while you are young.
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