Retirement readiness

  • Building your 401(k) know-how: What’s dollar cost averaging?

    Dollar cost averaging may help people manage the ups and downs of financial markets, and it’s an inherent part of 401(k) plans. Learn how dollar cost averaging works.

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  • What causes people to retire early—and how to stay prepared

    If you had to retire earlier than planned, would you be financially ready? Let’s look at the factors that lead to unplanned early retirement, and steps that can help ensure that if you’re suddenly forced to stop working full time, you’ll have the ongoing cash flow you’ll need.

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  • Managing your money in your 30s—how to plan for today and tomorrow

    As you reach your 30s, managing your money gets more complicated, while priorities may begin shifting from student loans and rent to a mortgage and saving for retirement. Here are two views and timely tips that can help make things easier.

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  • Four tips to help your financial recovery from COVID-19

    The pandemic has caused more than its fair share of hardworking Americans to be furloughed, laid off, work fewer hours, or take a cut in salary. If you were affected financially by COVID-19, try following these tips for a financial recovery.

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  • What’s an HSA?

    A health savings account—an HSA—is a tax-advantaged account that you can use to pay for qualified medical expenses that a high-deductible health plan doesn’t cover. We’ve put together a few things you need to know as you decide whether an HSA is right for you.

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  • Don’t let emotional biases drive your finances off course

    You may not be aware of your biases, but they could be affecting your behavior and your finances, including your retirement plan. In fact, a combination of time constraints, lack of knowledge and energy, and the influence of emotions can lead people to make irrational and less-than-ideal investment decisions.

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  • Answer these important questions before you resign

    Surviving a global pandemic has caused many people to reevaluate what’s important to them—careers, relationships, and where and how they’re spending their time. Before you take the leap out of your current job without a new one lined up, make sure you’re financially prepared for both the short- and long-term repercussions.

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  • Tap into the tax benefits of saving in a 401(k)

    401(k) plans give your retirement savings special tax treatment. Understanding the tax implications of saving in your 401(k) can help you cut your tax bill today and, possibly, over the course of your lifetime.

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  • Four things to know before applying to grad school

    Have you been thinking about attending graduate school? Will an advanced degree help you advance your career? Perhaps the pandemic has caused you to reprioritize your professional goals. Whatever your reasons, there are a few things you should know before starting the application process.

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  • How inflation can affect your 401(k)

    Over time, prices tend to go up—which is called inflation. Because of inflation, how much you spend on everyday items changes from year to year, even if what you buy doesn’t. If you want to be able to maintain your standard of living in retirement, you’ll need to account for inflation as you plan how much you should be saving.

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