My Retirement Blog

My Retirement Blog

  • Handling Retirement Is More Than Money

    I know that a lot of personal finance blogs out there talk as if everything is about money but often times money is only a component of the issue and it may not even be the biggest component. That’s why I wanted to highlight this article about retirement because it talks about actually dealing with…

  • MRB Just Makes Top PF Blogger List

    Yan did a tremendous job compiling a list of the top personal finance blogs and it looks like My Retirement Blog just made the list, coming in under the wire as the last personal finance blog listed. In comparing Alexa ranking, Google Pagerank, RSS and a few other statistics, Yan put in a lot of…

  • Retirement Round Up – Benchmarks Reviewed, Order Explained & More

    Five Cent Nickel has a post about prioritizing retirement accounts, a topic well understood by a lot of personal finance bloggers but not often talked about. Essentially the order is 401k until match, then Roth, then 401k until max, and then… well, read FCN’s article because he has more options than normal and it’s interesting…

  • Your Tax Dollar – 12.4% In, 20% Out to Social Security

    Over 20% of every tax dollar paid by every American goes to paying out Social Security benefits to existing retirees. Twenty percent to existing retirees, not retirees that are going to retire in the future, just the ones collecting checks right now. Did you know that 6.2% of your salary goes towards Social Security and…

  • What Is 401K True Up Matching

    Did you just get a letter from your employer about a “True Up” matching change and wondered what the heck that meant? Let me explain what that probably means, though you’ll have to talk to your company HR to find out for sure. Essentially what happens is that when you contribute to your 401k and…

  • After Tax 401K Is Not A Roth 401K

    In the first year with my former employer, I contributed a little too much into my 401K and about $300 went into what was called an “after tax 401K.” This was before the advent of the Roth 401K and so I hadn’t even thought about what you would do with a post-tax 401K in the…

  • Don’t Worry About Geopolitical Events

    I’ve been reading Ask Carrie, a blog over at Charles Schwab, and there was a recent post that caught my eye where a reader was concerned about geopolitical events such as the continued Iraq war, Iran troubles, and North Korean issues; and how they could adjust their portfolio or adjust their retirement planning to help…

  • Traditional IRA Deductibility Ranges

    If you thought that anyone could contribute to a Traditional IRA and then deduct that contribution on their taxes, you’d be wrong. If your employer has a retirement plan, like a 401(k), then your contribution is not fully deductible unless you fall underneath the income phase out ranges. In fact, here are the tables: Year…

  • Retirement Saving After 401k and IRA

    So, what are you supposed to do if you want to save an extra $20,000 a year towards your retirement and you’ve already maximized the contributions to your 401(k) and Roth? (Should you even contribute more if you’ve maxed out your 401k and IRA?) Well, if you read Walter Updegrave’s retirement columns recently, you would’ve…

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