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Workers Saving too Little (Does This Surprise Anyone?)

Tuesday, March 19th, 2013

From today’s WSJ Fifty-seven percent of U.S. workers surveyed reported less than $25,000 in total household savings and investments excluding their homes, according to a report to be released Tuesday by the Employee Benefit Research Institute. Only 49% reported having so little money saved in 2008. I found the report and thought this graphic that […]

401(K) Dollar Limit Raised to $17,500 in 2013

Friday, November 2nd, 2012

The maximum dollar amount an employee can contribute to their 401(K) is increasing $500 to $17,500 for 2013. Those who are 50 and older can contribute as much as $23,000. Let’s break down $17,500. That’s… $1,453.33 per month. $47.95 per day. $1.9977 per hour (based on 8,760 hours per year). $.0333 per minute. Better get […]

Estimating Retirement Income Needs – A Waste of Time?

Tuesday, August 12th, 2008

Emily Brandon over at the U.S. News & World Report’s Planning to Retire Blog recently wondered if online retirement calculators were helpful or useless. In her post, Emily references a post by Salon’s Heather Havrilesky titled Perspire to Retire!, in which she basically blames online retirement planning calculators for screwing up her retirement plans: …one […]

Question From a Reader: How Do You Know When Enough is Enough?

Monday, August 4th, 2008

A couple of weeks ago I received this email from a reader named Katy: Hi there, So I have a question that’s been eating at me. When it comes to savings how do you know when enough is enough? How can you figure out when to relax? Right now I’m in the process of saving […]

Question of the Day – 401(k) Loans

Monday, July 21st, 2008

Here’s today’s question(s) of the day: Do you think it is too easy for people to borrow from their 401(k) plans? Have you ever borrowed from your 401(k)? My wife and I have borrowed against her 401(k) when we bought our house in 1999. This was back in the day when her 401(k) was our […]

I’m Concerned With Generation X’s Retirement Goals

Saturday, July 19th, 2008

This past week I received an email about a survey that Charles Schwab conducted called Rethinking Retirement. I went to their website and decided to take their survey. At one point in the beginning of their survey it asked “How much money do you think you need to retire?” To come up with some sort […]