Retirement

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How Do I Plan For Retirement?

December 5th, 2008 — , Plan for Retirement, Retirement, Smart Money Ideas, alternative income streams, developing a portfolio, earnings, fifteen years, financial situation, finding news, getting your finances, high risk, investment properties, leeway, money, paycheck, period of time, personal finance, proactive, raise, risk situation, saving money, short period, social security, stage investment from Loanio @ Loanio

One of the most common questions people have is how do I plan for retirement? Whether you’re looking at retiring in five years or thirty five, it is important to come up with a plan that will provide you with more than enough to live comfortably. It is no longer sufficient to rely on social [...]

Breaking Down Budgeting

December 3rd, 2008 — , Personal Budget Planning, Retirement, Smart Money Ideas, atm withdrawals, bonus checks, business income, child support, credit card expenses, eye opener, government checks, grocery store, gross income, home insurance, important things, loanio, money, notebook, overspending, paychecks, personal budget, personal business, personal finance, software program, spreadsheet software, squirrel, support alimony from Loanio @ Loanio

A personal budget is simply a spending plan. Before you work on personal budget planning you need to have a good idea of where and how your money is being spent. It can be a tedious process, but it can also be a true eye opener if you are not already well aware of how [...]

Planning For Retirement Late in Life

November 30th, 2008 — , 401k, Financial Security, Income Streams, Investing, Retirement, back seat, centuries, debt, debt leverage, decent shape, diversification, emergencies, financial future, freedom, good debt, good neighborhood, leverage, millionaires, money, mortgage, mortgage payment, multiple streams of income, new stream, personal finance, real estate, social security, streams of income from Rich Leverage @ Rich Credit Debt Loan

Not all of us have had the luxury of spending the last 20 years to secure our financial future. Most of the time, through no fault of our own, putting aside money for retirement takes a back seat to handling emergencies or schooling for our kids, or simply the daily expenses of life. If you’re [...]

Learning How to Finance Your Future

November 28th, 2008 — , 401k, Financial Security, Income Streams, Retirement, case companies, creating multiple streams, diversification, extra money, fixing cars, futures, goal, homelessness, investments, living paycheck to paycheck, many different ways, multiple streams of income, paycheck to paycheck, personal finance, rainy day, retirement money, second job, social security, social security benefit, sole source, streams of income, talents from Rich Leverage @ Rich Credit Debt Loan

Most of us think about retirement and panic. It can be tough trying to figure out how we’re going to survive and plan for our futures when we’re just trying to make ends meet right now. If you’re strapped for cash at the end of every month, chances are you are not saving anything for [...]

How to Evaluate Your Financial Risks

November 26th, 2008 — , 401k, Credit Cards, Financial Security, Income Streams, Long Term, Retirement, ala, bill collectors, black monday, brink, budget, cash flow, debt, decent returns, diversity, fallout, few days, financial ruin, living paycheck to paycheck, minimum wage, money, multiple streams of income, paycheck to paycheck, paychecks, personal finance, single day, spectrum, streams of income, wage earner from Rich Leverage @ Rich Credit Debt Loan

Whether we realize it or not, many of us face financial risks every single day. From the high powered investor, to the minimum wage earner, every one of us has the potential to lose everything we own. How can you evaluate your financial risks and find ways to secure your future? Let’s take a look!
First, [...]

How to Go Into Debt to Get Out of Debt

November 24th, 2008 — , Bad debt, Credit Cards, Retirement, bankruptcy, cashes, consolidation loan, credit card debt, credit score, debt, decades, declaring bankruptcy, enough money, little bit, minimum payments, money to quit your job, oxymoron, personal finance, small portion, stock market, stocks, ways to get out of debt from Rich Leverage @ Rich Credit Debt Loan

This really sounds like the ultimate oxymoron, but one of the best ways to get out of debt is to go a little bit further in. What’s that? First, to help this make more sense, let’s clarify – if you need to get out of bad debt, going into good debt will help you pay [...]

Extra Paycheck in 2008

November 17th, 2008 — , 401k, Retirement, career, company match, maximum contribution from Mike @ richerbytheday

A combination of factors may have many workers receiving an extra paycheck in 2008. This is due largely to 2008 being a leap year and partially due to the fact that January 1st, 2009 is a bank holiday and falls on a Thursday. The leap year means that there will be 53 Tuesdays and Wednesdays [...]

Book Review: The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich By David Bach

November 14th, 2008 — , Book Review, Job, Money Management, Retirement, automatic millionaire, couples, david bach, finance field, impetus, many things, motivation, nuggets, personal finance, premise, saving money, smart women from Rich Leverage @ Rich Credit Debt Loan

David Bach is well known for his books, Smart Women Finish Rich and Smart Couples Finish Rich and in this latest effort, he goes into more detail on the techniques he discussed in these books. While the title would make you think it’s yet another get rich quick scheme, it is precisely the opposite. In [...]

A Review of Rich Dad Poor Dad

November 13th, 2008 — , Book Review, Retirement, assets, bearing, dad poor, high interest, high stakes poker, hype, jobs, long haul, making money, money, mysteries, new horizons, parable, pep talk, personal finance, pot, rich dad poor dad, robert t kiyosaki, teenagers, ways to make money, wealth, whole lot from Rich Leverage @ Rich Credit Debt Loan

With all of the hype surrounding Robert T. Kiyosaki’s book, Rich Dad Poor Dad, I fully expected a life changing read that would open new horizons and unlock the mysteries of the wealthy. What I got was a nice little parable with very little actual advice and a whole lot of pep talk. While there [...]

Our Early Retirement Plan: Motivation, Numbers & Tools, and Conclusion (Part 5)

November 7th, 2008 — , Retirement, early retirement, frugal lifestyle, military charts, military pension, personal income, retirement nest egg, retirement plan, retirement planners from Lazy Man @ Lazy Man and Money

If you are just starting this, I suggest you start at The Introduction - Part 0. Alternatively, you can jump to Our Early Retirement Plan: Where We Are Now (Part 1), Our Early Retirement Plan: My Personal Income (Part 2), Our Early Retirement Plan: My Wife’s Plan (Part 3), or Our Early Retirement Plan: [...]

Our Early Retirement Plan: Obstacles and Expenses (Part 4)

November 6th, 2008 — , Retirement, cost effective solution, day care, early retirement, frugality, health care, personal income, retirement plan, stay at home dad from Lazy Man @ Lazy Man and Money

If you are just starting this, I suggest you start at The Introduction - Part 0. Alternatively, you can jump to Our Early Retirement Plan: Where We Are Now (Part 1), Our Early Retirement Plan: My Personal Income (Part 2), or Our Early Retirement Plan: My Wife’s Plan (Part 3).
In part 2, I explained [...]

Our Early Retirement Plan: My Wife’s Plan (Part 3)

November 5th, 2008 — , Retirement, cost of living adjustment, early retirement, income tax, military pension, pensions, pharmacist, reno nevada, retirement plan, san francisco california from Lazy Man @ Lazy Man and Money

If you are just starting this, I suggest you start at The Introduction - Part 0. Alternatively, you can jump to Our Early Retirement Plan: Where We Are Now (Part 1) or Our Early Retirement Plan: My Personal Income (Part 2).
Before I start, I should come clean. I’m going to be putting some [...]

Our Early Retirement Plan: My Personal Income (Part 2)

November 4th, 2008 — , Retirement, Small Business, freedom, income, money making opportunities from Lazy Man @ Lazy Man and Money

If you are just starting this, I suggest you start at The Introduction - Part 0. Alternatively, you can jump to Our Early Retirement Plan: Where We Are Now (Part 1).
My income and my wife’s income are dramatically different from most people. I don’t have a 9-5 job. Yesterday I mentioned how [...]

Saving Retirement Calculator

November 3rd, 2008 — , Retirement, badge, calculations, early retirement, retirement calculator, saving from Mike @ richerbytheday

I recently discussed how your savings rate can determine when you’ll be able to retire. To go along with the table in that post, I developed the Saving Retirement Calculator below. You can enter specifics for your situation to see when you might be able to retire. Once you have an answer, you can copy [...]

Our Early Retirement Plan: Where We Are Now (Part 1)

November 3rd, 2008 — , Retirement, investment property, necessary expenses, savings account, start up business from Lazy Man @ Lazy Man and Money

If you are just starting this, I suggest you start at The Introduction - Part 0
You can’t figure out where you are going if you don’t know where you are…
My wife and I are each 32 years old. To some degree our finances are separate - we never felt the need to combine them [...]

Our Early Retirement Plan: Introduction (Part 0)

November 3rd, 2008 — , Retirement, retirement plan, retirement planning from Lazy Man @ Lazy Man and Money

I thought I’d switch things up this week and write about our retirement plan for the future. It’s going to be detailed, so I’ll have an article one day each week.
I need to get a few things out of the way:

Retirement planning at age 32 is a shot in the dark - [...]

Deciding Early When to Retire

October 22nd, 2008 — , Retirement, calculations, early retirement, retirement calculator, savings rate from Mike @ richerbytheday

I’ve been reading a lot of books about normal and early retirement lately and I’m realizing how important it is to decide early when to retire. This doesn’t mean that you should necessarily decide to retire young, just that you should make a plan for when you’d like to retire as soon as possible. Anyone [...]

How to Protect Your Pension in the Credit Crunch

October 13th, 2008 — , Credit Crunch, Retirement, Standard of Living, bailout plan, bank failures, diversification, diversity, emergency fund, government officials, high interest, insurance policy, large portion, mattress, midst, money, new ways, pension fund, pension plan, personal finance, personal finance advisor, savings accounts, stocks, streams of income, ways to make money, whiz from Rich Leverage @ Rich Credit Debt Loan

As news of bank failures continues, and government officials are debating a $700 billion bailout plan, many consumers are starting to worry about the state of their pension plan. If you have it invested in the wrong stocks, you could end up losing it all, or at the very least, a large portion of it. [...]

Passion Saving Book Review

October 10th, 2008 — , Book Review, Giveaway, Passion Saving, Purcellville, Retirement, Review, Rob Bennett, The Freedom Store, book giveaway, books, early retirement, pay yourself first, saving, wealth from Mike @ richerbytheday

The latest book review here at Richer by the Day is Passion Saving by Rob Bennett.

Note to Readers: I was given a complimentary copy of the book by the author, but believe that my review was not influenced by the fact in any way.
Passion Saving is billed as an alternative to the way many of [...]

Getting Motivated to Organize Your Finances

October 1st, 2008 — , Credit Cards, Financial Security, Long Term, Retirement, budget, financial goals, first steps, getting your finances, goal, journey, money, money work, motivation, next five years, personal finance, personal plan, spending habits, term goals from Rich Leverage @ Rich Credit Debt Loan

For many people, the first steps towards getting your finances under control are the hardest. Whether you didn’t spend enough time learning about basic personal finance principles when you were younger, or life happened and you’re now at the bottom of a very large problem, it can be difficult to get motivated to make that [...]

The Family CFO By Mary Allvine and Christine Larson

September 26th, 2008 — , Book Review, Retirement, board of directors, bottom line, cash flow, cfo, chapter eight, christine larson, couples, family finances, financial hardship, fridge, great starting point, how to manage money, investments, new business, peace, personal finance, premise, squabbles, tackles from Rich Leverage @ Rich Credit Debt Loan

Whether you are just starting out as a family, or the kids are already in school, there is a lot to be learned about managing the finances of a family. There are so many troublespots that families face, and few places to go for advice. We were very excited to come across a book [...]

How to Start Saving More Right Now

August 28th, 2008 — , Income Streams, Retirement, banking, bottom line, checking account, disposable income, enough money, getting a loan, habit, interest rate, interest rates, money, odds, personal finance, safe deposit box, saving money, savings account, thousands of dollars, ways to make more money from Rich Leverage @ Rich Credit Debt Loan

For many of us, saving is something that we always plan to do, but never quite get around to it. The bottom line is, if you don’t have a savings account and a regular plan for putting money aside, you may regret it in the future, especially as you get closer to retirement. A savings [...]

Running Out of Time? How to Catch Up Financially Before it is Too Late

August 25th, 2008 — , Credit Cards, Financial Security, Retirement, banking, bearing, best choice, credit score, debt, debt leverage, decisions, delinquent, earning money, financial bind, fixing your credit, high interest, leverage, little bit, money, nest egg, personal finance, real estate property, saving money, score, secured credit card, six months, staring you in the face, stocks, track 1 from Rich Leverage @ Rich Credit Debt Loan

Whether you are pushing thirty and trying to get your first home or your retirement is staring you in the face, there are times when you may feel as though you’ve run out of time financially. We don’t always make the best decisions when it comes to saving money and before long, we end up [...]

How to Avoid Nickel and Diming Your Way to the Poorhouse

August 14th, 2008 — , Financial Security, Long Term, Retirement, bread and butter, budget, goal, gum, harsh light, impulse purchases, ins, instant gratification, mcdonalds, money, new experiment, nickel, personal finance, perspective, poorhouse, poverty, quarters, rest of your life, spending habits, tipping point, whatsit from Rich Leverage @ Rich Credit Debt Loan

We would love to start a great new experiment, where everyone would catalog all of their impulse purchases for the course of one year. Everything from that cheap pack of gum to the “whatsit” that we really don’t need would have to be recorded. At the end of the year, everything would be totaled up [...]

How to Become Prosperous the Easy Way

August 13th, 2008 — , Income Streams, Retirement, baby boomer, baby boomer generation, dead end job, diversification, enough money, fli, glamorous job, green thumb, greenhouse, instincts, little bit, losses, lousy job, lucky stars, minimum wage worker, money, patience, perseverance, personal finance, profits, prosperity, three months from Rich Leverage @ Rich Credit Debt Loan

For many, the concept of prosperity is foreign and unreachable. If you are stuck in a dead end job or your bills haunt your sleep, it’s easy to feel as though you will never be able to break free. As the baby boomer generation nears retirement, it has become essential for millions of people to [...]

What We Can Learn from the Housing Crisis

August 12th, 2008 — , Financial Security, Income Streams, Investing, Job, Retirement, bet, budget, diversification, emotion, financial disaster, financial disasters, investments, life and death, love, money, mortgage payment, overspending, paycheck, personal finance, reliance, right management, risk, sports stars, subprime, taking a closer look from Rich Leverage @ Rich Credit Debt Loan

The housing crisis has a lot of people taking a closer look at their finances and worrying about whether they too may be at risk for losing their home. There are a lot of great lessons that can be learned from this crisis, and they can be applied to all areas of your finances. Let’s [...]

3 Reasons Why You Need Multiple Streams of Income

August 6th, 2008 — , Financial Security, Income Streams, Investing, Long Term, Retirement, Standard of Living, accidents, average person, creating multiple streams, daunting task, diversification, extra cash, financial ruin, high interest account, layoffs, money, multiple income streams, multiple streams of income, passive income, paycheck, personal finance, premise, retirement age, retirement planning, smart investments, social security payments, stark reality, streams of income, supplemental income, worries from Rich Leverage @ Rich Credit Debt Loan

One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them.
1. Help save for retirement.
The average [...]

Easy Personal Finance Tips

July 17th, 2008 — , Bad debt, Credit Cards, Income Streams, Retirement, aesop, aesop s fables, budget, debt spiral, drinks, good chance, grasshopper, groceries, m 80, managing your money, necessary expenses, partying, personal finance, rainy day, setting a budget, shopping, spending habits from Rich Leverage @ Rich Credit Debt Loan

When you’re trying to save for the future and still manage to eat, it can be tough to find that right balance. We all need to plan ahead and having a savings account really is essential. This can be a cushion or that “rainy day” money that you need, and it is never too late [...]

Double the Income or Double the Expense Till Death Do Us Part

July 9th, 2008 — , Retirement, banks, business is business, economy, emotion, financial goals, first few years, heartache, incomes, money problems, money work, multiple streams of income, new ways, outpouring, personal finance, relationships, rest of your life, smart investments, streams of income, throes, wedded bliss from

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