Archive | Retirement Planing

Your 401k’s Dirty Little Secrets

If you have a 401k, I commend you for taking steps towards your retirement but it’s important that you have a understanding of the downsides of a 401k plan.  First, I will talk about the upsides: 1. If your employer is matching your 401k, that is huge. It’s basically free money and I say collect […]

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Buy Term & Invest the Difference?

Perhaps you’ve heard this old saying as it relates to life insurance.  The idea behind it was that someone could buy term life insurance for much lower monthly payments that permanent life insurance and invest the difference the payments elsewhere.  In reality this doesn’t work for two reasons. First, buying term life insurance is simply […]

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