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The Roth IRA: A Saver’s Best Friend

Ready to start investing on your own? Then a Roth IRA is the first place to look. Jump to: Roth IRA Contribution Limits Roth IRA Income Limits Before I took a job at SmartMoney Magazine, terms like 401(k), Traditional IRA, and Roth IRA … [Read more...]

Personal Loans Vs Credit Cards: When To Use A Loan Instead Of Plastic

When life's big expenses crop up, it's always best to pay cash. That's why the first step in building financial security is to get ahead of your paycheck and save money for emergencies -- and eventually big purchases like cars and vacations. If … [Read more...]

myRA: What You Need to Know About the New myRA Savings Account

If you watched President Obama’s State of the Union address a few weeks ago – or paved attention to any of the ensuring press – you may have heard about something called myRA. No, myRA is not some special healthcare plan for people with Rheumatoid … [Read more...]

Side Hustle Ideas: 35+ Ways Anyone Can Earn More Money on the Side

We’ve been talking recently about how difficult it is for debt-saddled 20-somethings on entry-level salaries to follow the cardinal rule of personal finance -- live below your means and invest the difference. If that sounds familiar, you have two o … [Read more...]

Overcoming Obstacles to Earning More: Beat Your Fear of Failure and the ‘Not Enough Time’ Excuse

Two weeks ago, I asked you – that if want to earn more money -- what’s holding you back? Even if the path to a larger income is as simple as getting a weekend bartending gig or reaching out to existing contacts for freelancing work, we all have ple … [Read more...]

FHA Mortgage Loans: A Good Idea For First-Time Buyers?

FHA mortgage loans are mortgages that are guaranteed by the U.S. Government's Federal Housing Administration. Thanks to this guarantee, FHA mortgage loans are often available to home buyers who do not qualify for "traditional" … [Read more...]

61/2 Steps to Financial Stability

How do you go from being flat broke to achieving -- if not wealth -- a state of financial comfort, freedom, and security? One step at a time. But: Do you know what your next step should be? I estimate that about 80 percent of questions I get … [Read more...]

The Last Budget You’ll Ever Need

I have a love/hate relationship with budgets. But mostly, I hate them. It’s not because I don’t like pie charts and spreadsheets. (I do.) I don’t like budgets because I hate telling you to write them when I know myself how boring, pointless, and di … [Read more...]

Tired of Being Broke? Why Don’t You Have a Side Hustle?

Question for you: Would you like to earn more money this year? Who wouldn’t, right? But let’s ask a different question: Will you earn more money this year? If the answer is a definitive yes -- great! Maybe you landed a new job, negotiated a s … [Read more...]

How Much Do Olympic Athletes Earn?

Six years ago, watching the 2008 Olympics, I began to wonder: How much do Olympic athletes earn? What, if anything, are they paid for competing in the games? After all, training for the Olympics (never mind competing) is at least a full-time … [Read more...]