Author: Laura Adams

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7 Saving and Retirement Rule Changes for 2025

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The Internal Revenue Service or IRS changes perks and contribution limits for various tax-advantaged accounts based on annual inflation changes. While the inflation rate has come …

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6 Required Minimum Distribution Retirement Rules You Should Know

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If you want to become wealthy, an essential habit you should create is regularly investing a portion of your income in a tax-advantaged retirement account. You …

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Can I Use a HELOC to Pay off a Mortgage Faster? Weighing the Pros & Cons

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Being a homeowner has its pros and cons. It can help or hurt your finances depending on your location, mortgage debt, property taxes, insurability, and goals. …

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How Does a Simplified Employee Pension (SEP) Work for Retirement?

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A listener named Wasittha asked me the following question: “I’ve been trying to max out my IRA and 401(k). However, I’ll be unemployed next year for a …

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What’s the Cheapest Way to Sell a Home? Comparing The 3 Most Common Options

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If you’re a homeowner or want to be one someday, there will likely be a time you want or need to sell your real estate. So, …

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Can I Get a Retirement Matching Without an Employer?

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If you’ve ever been envious of someone getting free money in their retirement account from an employer that “matches” contributions, you might be interested in how …

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Are You Saving Enough for Retirement? How to Tell

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Today’s topic comes from Scott, who says: “I’ve contributed to my 401(k) for many years and have a decent balance. I’m unsure if I should keep investing the …

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4 Ways to Fund a Roth No Matter How Much You Make

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If you’re like me, you love the idea of having tax-free income in retirement. The primary way to do that is by investing in Roth retirement …

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6 Tips for Becoming a Wise Investor

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Hi again! As you know, on the Money Girl podcast I answer your burning money questions! Today’s topic comes from Mary, who says: “I know that I need …

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Tips for Charitable Giving on Any Budget

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Most of us would like to give more to causes we care about, whether animal welfare, the environment, or curing a disease. However, you may have …

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4 Tips to Minimize Damage After a Late Payment

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Whether your bank account balance was low, you forgot to make a payment, or the mail arrived late, missing a due date on a credit card …

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5 Ways Wealthy People Invest Money (& You Can, Too)

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Today’s topic comes from Sarah, who says, “I’m starting my first real job with benefits soon, and I should have a little money left each month …

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6 Ways to Rebalance Your Portfolio & Get Your Money in Order

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If you’re an investor or want to be one, you’ve probably heard that it’s critical to rebalance your investment portfolio. Rebalancing is shifting investments, so you …

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5 Signs Now is the Right Time to Pay off Your Mortgage

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If you’re a homeowner, your mortgage payment is probably your largest monthly expense. So, it’s wise to stay alert for opportunities to refinance your home loan …

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Maxed Out Your a 401(k)? Here Are 5 More Smart Investments to Check Out Next

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If you have a workplace retirement account, like a 401(k), 403(b) or 457 plan, it should be your go-to for investing because it’s loaded with benefits, …

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When Should I Do Roth Conversions?

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Today’s article comes from a question for Money Girl listener Nancy P., who says: “I recently discovered your podcast and really enjoy it! I’m 60, single, have an …

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15 Money Savings Tips to Fight Inflation

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The annual inflation rate for the United States looks much better than when it shot up to 7% in 2021 and 6.5% in 2022. Last year, inflation came …

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5 Ways to Invest for Retirement After a 401(k)

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“I’m 45 and have arranged my lifestyle to live on about $18,000 per year. Since I don’t have a mortgage, any other debt, or kids at …

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5 Signs You’re Ready to Retire Early

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Whether you’re feeling stressed out by a high-pressure job or dreaming of a different lifestyle, getting ready for retirement sooner rather than later is a wise …

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Solopreneur Success: Tips for Running a One-Person Business

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Today, I’m excited to be joined by a special guest, Abigail Hale, who goes by Abbie. She’s the Head of Growth at Found, an all-in-one banking solution. She …

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5 Important Things to Do If You Have an Old 401(k)

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Today’s topic comes from Jesse F., who says: “I’m 52 and self-employed and my wife is 51 and works for a hospital. We recently moved from New Mexico …

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7 Mid-Point Money Tips Your Finances Need Right Now

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If you’re like me, some years you get really inspired by setting money goals, but for others, it just doesn’t happen. Whether you set financial resolutions …

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How Can I Reduce My Taxes? Your Tax Questions, Answered

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Today, I have three excellent questions about reducing taxes and saving money. Kari says, “Love your podcast! Can you clarify whether investing in a Roth IRA and I …

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Clever But Easy Ways to Maximize Your 401(k)

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If you work for a company, organization, or government entity that offers a retirement plan, like a 401(k), 403(b), or 457, it’s an excellent way to …

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Should I Invest Extra Money or Pay Down My Mortgage?

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I answer a question from a listener named Maya, who says: “Hi, Laura, I love the podcast! My husband and I are in our mid-thirties with …

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How to Use a Mega Backdoor Roth Conversion

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Having tax-free income in retirement from a Roth IRA can help you stretch your savings much farther after you stop working. However, there’s a catch: if …

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Buy or Lease Your Next Car? Here’s What to Know

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If you’re considering buying or leasing a car, your knowledge about the options and how you prepare for a deal can make all the difference in …

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Maximize Your Retirement: Tax Tips for Investment Profits

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This week on the Finance Friday installment ,  a great question from Elaine. “I’m retired and have Social Security benefits, a pension, savings, and a traditional IRA. About six …

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8 Ways to Maximize Your Investments With Robo-Advisors

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If you’re too busy to stay up-to-date on financial markets and investing strategies, one of the best ways to boost your returns with minimal effort is …

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5 Signs You’re Investing Too Much for Retirement

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We have two great retirement questions today. The first comes from Kevin, who says, “My wife and I have loved your podcasts for years and are taking every …