Savings and Debt

It's Best to Keep It Simple & Follow a Few Simple Rules

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A simple quiz to help you know where to get the best return on your savings.

Learn About The Best Return on Your Savings

How-To

For greater peace of mind & more to spend or save.   

How To Pay Down Debt

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401(k)s and 403(b)s are retirement savings plans with special tax benefits set up by employers, IRAs by individuals.

Learn About IRAs, 401(k)s, & 403(b)s

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A relatively safe way to invest in stocks, bonds, or other investments.

Learn About Mutual Funds

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To protect yourself you need a reserve, usually about 2-4 months’ pay.

Figure Out a Reserve for Unemployment

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Retirement planner if you're approaching retirement.

Figure Out a Retirement Plan (if 50 or over)

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How much to save & how much you'll need in 10 years to be "on-track"

Figure Out a Retirement Plan (if under 50)

How-To

You can have your cake, eat it, or do a bit of both.

How To Use Your Savings in Retirement

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To 1) cut your payment, 2) pay it off faster, 3) get cash, or 4) switch to a fixed or adjustable rate loan.

Figure Out "If You Refinance ..."

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Eight in 10 Americans choose a 30-year fixed-rate mortgage. Should you?

Figure Out Your Best Mortgage

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It usually makes sense to use savings to pay off the mortgage after you retire, but probably not before.

Learn About Paying Off the Mortgage

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A low-cost way to borrow using as collateral the equity in your home – the mortgage-free portion of the house you own.

Learn About Home Equity Loans & Lines of Credit

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See how much your savings might grow in average, good, and bad times.

Figure Out "Stocks or Bonds?"

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Build a plan to get where you want to go.

Figure Out a Better Tomorrow

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Get what you need, without out-living your savings.

Figure Out How to Get Income from Retirement Savings

How-To

Money in your pocket gets spent.  So set up a system that moves it where it should go before it gets spent.  

How To Move Money From Spending To Savings

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Traditional pensions, which provide a monthly income as long as you live, are much less common today. But if you’re in a plan, or have a pension,...

Learn About Employer Pensions

How-To

If trust and expertise is what you want, here's how to find a planner that fits the bill.

How To Pick a Financial Planner

How-To

Banks, brokerages, and mutual fund companies offer IRAs. Choose the one with the products and services you want for the lowest fees.

How To Open An IRA Account

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There’s nothing wrong with borrowing – we all borrow to buy a house or a car – as long as you don’t borrow stupid.

Learn About Borrowing Smart

How-To

You need to show lenders that you and your home are good investments.

How to Get a Mortgage

How-To

To get a better loan and borrow on more favorable terms.

How To Improve Your Credit

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A reverse mortgage can provide cash or an income for life and allow you to stay in your home for the rest of your life.  But there are things you...

Learn About Reverse Mortgages

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Small changes can have a big impact.

Figure Out Where to Cut Spending