Savings

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No Savings? Blame Your Brain

Recent research suggests that our minds aren’t optimally designed for the kind of long-term planning and sacrifice required to build a serious nest egg.

5 Reasons to Open a Roth IRA Now

This individual retirement account provides tax-free income after you’ve retired and a lot of flexibility to make penalty-free withdrawals between now and then.

Best Ways to Invest a Life Insurance Payout

Let attorney Clint Costa show you how to make the most of a mini-windfall like the payout from a life insurance policy.

3 Steps to Build the Best CD Ladder

Here’s how to maximize your earnings by purchasing multiple certificates of deposit with different maturity dates.

Does Unemployment Count as 401k Hardship Withdrawal?

Probably not. The IRS takes a fairly unforgiving stance on withdrawals from a traditional IRA for people under age 59 1/2.

How to Calculate Interest on a Money Market Account

It really doesn’t make much difference whether your interest is compounded daily, monthly or quarterly.