3 Simple Ways to Help You Live the Life of Your Dreams

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Simple Ways to Help You Live the Life of Your Dreams

Note – The following post is sponsored by USAA. All opinions are my own. Do you have dreams for your life and your family? Of course, you do. We all do. And, our family finances play a huge role in living our dreams and living our dream life. How to Live the Life of Your Dreams We all have big dreams for our families. And, our finances play a huge role. Here are three simple ways to help you live a life of your dreams. 1. Spend Less Than You Earn Spending less and you earned is a staple in personal finance. It’s the number one goal that sets people apart from those who have success with their finances and those … Read more

Should You Invest in Fidelity’s No-Fee Index Fund?

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There are so many different investment choices out there nowadays. Having to pick just a couple of accounts to meet your investment income and retirement planning goals can seem like a daunting decision. However, you can’t go wrong with low-cost, reputable investment companies, especially when it comes to index products like ETFs or index funds like the new Fidelity zero-fee index funds. If you want to follow Warren Buffett’s advice about index funds being the best types of investments, then Fidelity’s newest zero-fee index funds are the way to go. The Fidelity Zero Total Market Index Fund and Fidelity Zero International Index Fund do not charge any management fees for investors, no matter how little or how much they invest … Read more

Review of Clarity Money App – Get Clear on You’re Spending Money

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One of the most important factors in personal financial management is transparency. But, many people believe financial products and services are anything but transparent. That’s why Clarity Money was founded, in order to develop truly transparent solutions to wasteful spending, limited savings, and complex budgeting practices. Through the power of artificial intelligence, Clarity Money incorporates natural language processing, anomaly detection, and spectral analysis to help its over 1.5 million users save money. Even if you already know all the basics of budgeting, you might be overlooking minor areas for monetary savings that Clarity Money’s algorithm is designed to pinpoint and eliminate. Here are a few reasons why you might want to download this free app. Clarity Money App Review Get Your … Read more

Invest in Your Retirement Now – Your Retired Self Will Thank You

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401k Retirement Plans

It’s a common question to ask think – will I have enough money saved up to retire happily? Not having enough money to retire is a scary thought. You work almost your entire life to have your golden years free of a job. However, if you are not financially able to retire, that dream may not become a reality. No one says you have to be rich to retire (although that does help). But you do want to have enough money set aside that you won’t have to worry about whether or not you can afford to pay the bills. How to Invest in Your Retirement Now There are many ways that you can save and invest in your retirement. Some … Read more

How to Create a Budget You’ll Actually Stick To

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According to recent studies, just 41% of Americans have a budget. For the other 59% or so who just “wing it” when it comes to managing their money, they could be missing out on valuable opportunities to save money on everyday expenses, decrease their debt loads, and put more money into investments for retirement. If the idea of creating and sticking to a budget makes you grimace, either because you think budgeting is boring or you tried and didn’t like the results you got in the past, then here are a few proven strategies to help you really stick to a budget this time around. How to Make a Budget Be Realistic If you think budgeting is difficult simply because … Read more

Retirement Planning for Home Business Owners – How to Save for Retirement

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Most know that Americans, particularly younger people from the Millennial Generation,  are not saving enough for retirement these days, but another surprising group that isn’t saving is home business owners, according to CNBC. Without an employer-backed 401k or pension plan, home business owners are at a unique disadvantage when it comes to saving for retirement. Whereas you can currently contribute up to $18,000 annually to a 401k, with some employers offering a 3% to 6% match, IRAs are limited to $5,500 annually, or $6,500 if you’re 50 or older. However, it’s never too late to start saving for retirement. Even if you love your business, you’ll likely want to step aside in the future. After all, you’ll want to pursue … Read more