53 posts tagged with retirement and money.
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Financial anxiety! I am a lucky bum, but can't stop worrying.

I'm dealing with a lot of financial anxiety, even though I'm in a place that I know many people would envy. Does anyone have concrete advice for managing illogical anxiety over money, savings and employment? [more inside]
posted by anonymous on Nov 9, 2014 - 11 answers

My mother is financially irresponsible, is there anything I can do?

My mother is likely to have a lot of upcoming expenses; she is nearing retirement age, she has significant health problems, and she needs to sell a house that needs a lot of expensive repairs. But she is spending amazing amounts of money on things she doesn't need, and I am really worried about her future. I am living paycheck-to-paycheck and won't be able to help her at all. Can I or should I say anything? [more inside]
posted by anonymous on Sep 24, 2014 - 15 answers

make $ and retire early, or take federal job with more security?

Imagine you have the choice of taking (1) a very lucrative but highly demanding and stressful job in your current city, and (2) a federal job that requires a move and that pays only 25% of the lucrative job. Job 1 comes with an initial 2-year contract. While there's a possibility of getting sacked after two years, I imagine they'd renew the contract for at least two years, and if I'm performing well, I could keep going after that. If I got sacked, I could probably find another similar but probably less lucrative job, but it would take time and be quite stressful. Federal job is presumably more stable. Which would you take? Possibly relevant details: early 40's, married, no kids (and no plans of having any), very substantial savings to date, home-owner (with mortgage), currently living in big city. Interested in hearing your life experiences vis-a-vis working life and retirement. Are there benefits to trying to maximize income early and getting out of the game, vs a more slow and steady approach that provides more security? I'm clueless about retirement and recognize that a financial planner could help, but for now I'm more interested in hearing other's experiences.
posted by anonymous on Aug 11, 2014 - 19 answers

Where should we put our money?

My family's combined income just increased by over 50% in the span of a week, between a new job for my husband and a significant raise for me. This is obviously AWESOME. We went from living on a very tight budget so we could afford to put some savings away, to have a couple thousand dollars a month beyond even that savings. What do we do with it? [more inside]
posted by raspberrE on May 23, 2014 - 14 answers

Please help me organize my investments and finances! (401k Rollover!)

Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
posted by PetiePal on Mar 18, 2014 - 8 answers

Help me start saving for retirement (U.S.)

I would like to finally start saving for retirement! I'm thinking a Roth IRA is the way to go (unless you think otherwise and can tell me why), but I am a little confused/overwhelmed with how to proceed. A few snowflakes inside. [more inside]
posted by likeatoaster on Feb 20, 2014 - 14 answers

How do I handle destination wedding money stress?

A friend of my girlfriend's is getting married in Asia over Christmas 2014. She's planning to go, and wants me to accompany her (and, money aside, I'd like to go). She'll be upset and disappointed if I don't, and is already upset and disappointed that I'm balking. She makes enough money to afford the trip without financial contortions, and...I don't, or don't feel like I do. This is a recurring point of contention in our relationship, and, generally, I'm not sure if I'm being unreasonable, she's being unreasonable, or a little bit of both. [more inside]
posted by anonymous on Jan 26, 2014 - 58 answers

Step by step guide to get our future married house in order?

We're getting hitched! Yay! I freak out about money, and I freak out that my fiancé doesn't freak out about money as much as I freak out. Is there a good step-by-step guide you'd recommend that we can go through together to make sure we're covering all of our bases for saving for retirement, saving for other stuff, and paying down debt?
posted by ashtabula to opelika on Jan 16, 2014 - 12 answers

Financial planning for somewhere...?

I graduated college last year. I know I should be at least thinking about saving and 401ks and things like that but I moved countries, started grad school and I don't know where I'll be living in three years let alone thirty. How do I do financial planning? [more inside]
posted by raeka on Jan 14, 2014 - 8 answers

Is this investing in my future or is this a stupid decision?

I've been offered to be hired where I have been a contractor. However, there is a health insurance issue that would cost me a lot of money for several months. But I would have a great retirement plan. I have nothing in savings and $100k I just consolidated in student loans, so this issue is just complicating things. [more inside]
posted by McSockerson The Great on Dec 15, 2013 - 14 answers

Where do I find financial advice for low income earners?

I understand there isn't much money in providing it, but where is the advice for people who make an income lower than 30k that doesn't involve pooling income with a partner with similar goals and income (Dave Ramsey), or assuming that this period is merely a temporary bump on a road that leads to eventually becoming solidly middle class (Suze Orman's YB&F)? [more inside]
posted by Selena777 on Oct 30, 2013 - 18 answers

How should I be saving for retirement?

As a lower income person, I feel like my retirement planning should be simple, but it still fills me with anxiety and uncertainty. Tell me what, if anything, I should be doing differently. [more inside]
posted by anonymous on Oct 14, 2013 - 16 answers

Should I dump money into my retirement index fund if the market craters?

I have a bunch of money I've been wanting to dump into a low-fee index fund all year. (It's my retirement account.) I've been holding off because of the whole budget/debt ceiling business that's been going on all year. It looks like events will be coming to a head this week. If the market totally craters, would that be a good time to buy? [more inside]
posted by evil otto on Oct 13, 2013 - 16 answers

An IRA in the hand is worth 2 401ks in the bush?

I just started a new job at a small business that does not have a company-funded 401k plan. I have 3 old 401k accounts of various amounts from previous jobs. What should I do with that money, and how should I fund my retirement now? [more inside]
posted by thirdletter on Oct 13, 2013 - 7 answers

Found money? I hope so

I contributed money to several different 401(k)s over the last decade and I have no idea where the accounts are. Help me find my money. [more inside]
posted by anonymous on Sep 9, 2013 - 10 answers

Money, money, mon-ey. Mo-ney. (on a Mac and iPhone?)

I’m looking for a money management app for Mac that also syncs with iPhone. What do you use and why? (I’ve looked here on Metafilter and found little to nothing that’s recent). [more inside]
posted by brokeaspoke on Aug 15, 2013 - 10 answers

What should my MIL do with this money to ensure a steady retirement?

After the untimely death of my soon-to-be-father-in-law, my future mother-in-law is expecting to receive a fairly large life insurance pay out. What should she do with this money to ensure a comfortable retirement without her husband? [more inside]
posted by anonymous on Jul 24, 2013 - 7 answers

Which retirement plan should I choose?

I find this comparison really confusing. I'm starting the job in August. I'm an early 30s married woman who would like to become pregnant in the next year. The contract only lasts through the end of 2014. I do want to continue on working there, but I have no idea if additional grant money will become available at that time. Which plan would you choose? Or, failing that, which are the important factors to consider?
posted by anonymous on May 8, 2013 - 4 answers

Rent vs. Buy: Retiree edition!

Single retiree is selling a big paid-off house and asked me and huzzeh for help deciding whether or not it makes sense to rent an apartment or buy a condo. What questions should we consider to help make this decision? [more inside]
posted by elizeh on Apr 18, 2013 - 17 answers

Federal Civilian Pension after divorce. (US)

Asking for a friend. YANHL. A couple has divorced, wife has a local civil service pension and husband a federal civilian pension. The judge ruled they would split each pension 50/50, instead of letting them keep their own. She has sent her court order to his pension board and has received acknowledgement. She has been unable to get any answers from the pension board about what happens now. He has left federal service but has not retired. Does she have to wait until he retires to start receiving her monthly checks from the federal system? Can she start getting them when he reaches retirement age even if he's not retired? Who can she contact that will answer her questions? Would CC'ing her Senators/Rep on her emails help or hurt? Thanks.
posted by 1066 on Apr 4, 2013 - 6 answers

How to get my finances in order this late in the game?

Starting from scratch at 45 years old, what's the best strategy for saving money & planning for old age? [more inside]
posted by anonymous on Nov 10, 2012 - 11 answers

Can I quit my job?

Should I quit my job? Much more inside. [more inside]
posted by anonymous on Oct 4, 2012 - 18 answers

Retirement fund fun!

My 401(k) has changed - any financial gurus able to explain how I am going to be affected? [more inside]
posted by erstwhile on Jun 15, 2012 - 9 answers

Which is worse - less savings or more debt?

Should I cash out my IRA to significantly reduce my credit card debt? [more inside]
posted by anonymous on Jul 27, 2011 - 12 answers

When I get older, losing my hair, many years from now....

How can I get a handle on saving for retirement? Where do I even start? [more inside]
posted by amanda on Oct 27, 2010 - 14 answers

Fees for rolling over 401k funds?

Should Nationwide have charged me a fee to roll over my 401K to my new employer's plan? [more inside]
posted by jsturgill on Jul 7, 2010 - 5 answers

How to save for mutliple goals and where to put that money?

Financial/Savings Filter: How do I save for multiple goals at once and do I keep it all in the same savings account? [more inside]
posted by modoriculous on May 13, 2010 - 11 answers

Roth IRA but will not be working anymore??

Can I keep my Roth IRA if I'm not working anymore? [more inside]
posted by lynnie-the-pooh on Feb 7, 2010 - 5 answers

Where to go for a Humble Retirement

In twenty-five years i'll be retiring with my minimal social security benefits and medicare to keep me briefly going. I've got no savings right now, but I'm almost done paying my debts. I rent. I want somewhere tiny, a bungalow with a kitchen, perhaps a tiny garden, stonking bandwidth, maybe near a lake, maybe near a wood, but really not so much. I just want to whittle sticks, greet neighbours, not climb stairs, and hack on code. I don't mind renting again until i die. Where should I move in the US, and when? [more inside]
posted by anonymous on Aug 22, 2009 - 6 answers

Financial Advice for Dummies.

This has my parents spooked. Tell me how to ease their financial fears. [more inside]
posted by ElmerFishpaw on Mar 6, 2009 - 10 answers

Should my recession dollars go into my 401k, or my wallet?

Where is my money doing me, and the world, the most good right now: going into a 401(k), or going into my wallet and getting spent? [more inside]
posted by logovisual on Feb 17, 2009 - 15 answers

Lesser of two tax burdens?

My partner and I need to pay off some debt, and unfortunately we need to dip into our retirement funds. Our tax accountant is on vacation and we can't find the answer to our question. We have two sources–either sell some stock or cash out a couple of short-term IRA CDs. Which is the lesser of two evils? [more inside]
posted by al_fresco on Dec 13, 2008 - 11 answers

30-year investment portfolio which has to start before the end of the year and wants to be left alone afterwards?

If you had a very strong incentive to invest money before the end of the year with a 30-year outlook, and a further strong incentive to not adjust your investment strategy over that timeframe unless absolutely necessary, what kind of portfolio would you assemble? [more inside]
posted by anonymous on Dec 5, 2008 - 15 answers

What to do with my small 403(b)

Should I transfer my retirement assets (403b) from a mid-level risk money market fund ? [more inside]
posted by HuronBob on Sep 15, 2008 - 12 answers

I wanna be a woman of independent means... for more than a few months.

Okay, so let's say you're a broke, middle-aged single female creative professional who infamously sucks with anything involving numbers. You do have expensive tastes, but you're generally quite frugal and like to shop at the 99¢ Store & swap meets. Even so, much to your own annoyance, you have just never done *well* with money when you've had it or ever done much grown up "long-term life planning"... but now you're about to come into a one-time windfall (possibly a six to seven figure sum in all). Oh Lordy. Time to grow up. [more inside]
posted by anonymous on Sep 14, 2008 - 23 answers

Am I better off with Wachovia Securites or should I jump ship to UBS?

A.G. Edwards / Wachovia Securities vs. UBS. Which is the way to go? [more inside]
posted by TwilightKid on Aug 11, 2008 - 11 answers

Alternatives to super when the economy isn't doing so great?

What should I do in addition to super to have any hope of retiring several decades from now? [more inside]
posted by wingless_angel on Jul 28, 2008 - 4 answers

Why can't I close out and withdraw from my 401k? Any way out?

I want to close out my 401k (and pay the necessary taxes) so I can pay off some debt. My 401k says I'm not allowed. Why not? Can I change anyone's mind? [more inside]
posted by anonymous on Jun 9, 2008 - 14 answers

Safety for a 401K

Aged 65, still working, have 401K, worried about it, can I move the funds to a self directed IRA money market fund?
posted by Freedomboy on Apr 28, 2008 - 5 answers

Utility of variable annuities?

Help me analyze a variable annuity as a tax-deferred retirement savings option. [more inside]
posted by kanuck on Apr 17, 2008 - 3 answers

Please help me decide between Fidelity and Vanguard.

Questions about opening a Roth IRA -- particularly, does it matter where I open it? If so, Fidelity vs. Vanguard? [more inside]
posted by salvia on Apr 6, 2008 - 13 answers

Did the ant and the grasshopper both retire comfortably?

At what age did you start saving for retirement? At what age do you recommend starting to save for retirement? [more inside]
posted by chickletworks on Feb 19, 2008 - 42 answers

Recommendations for a financial advisor/accountant for a young couple?

Recommendations for a financial advisor/accountant for a young couple in NYC? [more inside]
posted by scazza on Jan 30, 2008 - 2 answers

HSA's = tax-free retirement account?

Health Savings Accounts (HSA's) ... Can they be used as just another tax-free retirement account after you max out your Roth IRA? [more inside]
posted by MrBCID on May 16, 2007 - 6 answers

Where to stash retirement funds?

I'm an employee at a small business. I need retirement fund ideas beyond the Roth IRA? [more inside]
posted by cschneid on Mar 1, 2007 - 9 answers

How to Diversify Retirement Account

I'm planning to diversify my retirement account in the next 5-7 years. I need some advice on the best way to do this. [more inside]
posted by ThePinkSuperhero on Jan 15, 2007 - 9 answers

Can I invest my retirement money in my own mortgage?

Can I invest my retirement money in my own mortgage? [more inside]
posted by portabella on Sep 25, 2006 - 2 answers

how do I find a great financial advisor?

my new employer is offering a 401k package via fidelity investments that is, dare I say it, overwhelming to me. I am especially bothered by the fact that the only advise available on said fidelity investment choices is via the nice folks from fidelity investment. so I looked for financial advisors - but how to judge them? [more inside]
posted by krautland on Aug 28, 2006 - 19 answers

Any experience with American Funds?

Any experience with American Funds? Could use some opinions about financial planners, too. [more inside]
posted by Señor Pantalones on Jul 25, 2006 - 16 answers

401(k) woes, big time

Having trouble with my 401(k) direct rollover... how screwed am I? [more inside]
posted by selfnoise on Jun 26, 2006 - 6 answers

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