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5 Options for Your Retirement Account When Leaving a Job
One of the most common retirement questions I receive is what to do with a retirement account when leaving a job. Knowing your options for managing a retirement plan with an old employer is essential...
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Should You Transfer Balances to No-Interest Credit Cards Multiple Times?
Karen, our editor at Quick and Dirty Tips, has a friend named Heather who listens to the Money Girl podcast and has a money question. She thought it would be a great podcast topic and sent it to me....
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10 COVID-19 Stimulus Benefits for the Self-Employed
Since the outbreak of the coronavirus pandemic in March 2020, life and business certainly have changed. If you’re self-employed full-time or earn business income on the side of a day job, you may be...
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What Is a Mortgage Refinance? 5 Ways to Know If It’s a Good Idea
Jason says:Hi, Money Girl. I’m interested in refinancing and getting a lower interest rate on my mortgage; however, I may need to sell my home and relocate in a year or so. In that case, does a...
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10 Strategies to Reduce Money Stress and Improve Your Finances
Many people mistakenly believe that if they just had more money, all their stress would disappear and they could finally be happy. In some cases, earning more is the solution to improving your...
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Got Cash? What to Do with Extra Money
I received a great email from Magen L., who says:I no longer have any retirement savings because I cashed it all out to pay my debt. We also sold our home and moved into an apartment just as the...
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What Is the Self-Employment Tax?
Working for yourself, either as a part-time side hustle or a full-time endeavor, can be very exciting and financially rewarding. But one downside to self-employment is that you're responsible for...
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6 Tips to Find Affordable Health Insurance When You Become Self-Employed
If you're dreaming about leaving a corporate job to work for yourself, getting affordable health insurance is probably one of your top concerns. Fortunately, there are more protections now than ever...
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How to Pay Off Credit Card Debt Faster
I've received several questions from Money Girl podcast listeners about paying off credit card debt. It's a fundamental goal because carrying card balances come with high interest, a waste of your...
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How Many Credit Cards Should You Have for Good Credit?
Have you ever wondered, "How many credit cards should I have? Is it wise to have a wallet full of them? Does having multiple credit cards hurt my credit score?"If you’ve been following this blog or the...
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What To Do If You Contribute Too Much to an HSA, IRA or 401k
Amanda M. says:I contributed to my Roth IRA for 2020, but now I realize that my income will exceed the allowable annual limit. Can I fix this error and use the money to contribute to a traditional IRA...
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5 Tips to Help You Set Better Money Goals for 2021
If you're like many people, you'll be thrilled to have 2020 in the rear-view mirror. The emotional, physical, and financial challenges of life during a pandemic have taken a toll on all of us in...
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What's the Best Type of Mortgage for You?
When you're ready to buy a home, choosing the best lender and type of mortgage can seem daunting because there are many choices. Since no two real estate transactions or home buyers are alike, it's...
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Should You Buy a Car with Cash or Get an Auto Loan?
Ryan S. says:I'm looking into buying a car and have enough cash to pay for it. But someone mentioned that I should get a loan to get a lower price and just pay off the loan right away. They also said...
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7 Pros and Cons of Investing in a 401(k) Retirement Plan at Work
A 401(k) retirement plan is one of the most powerful savings vehicles on the planet. If you’re fortunate enough to work for a company that offers one (or its sister for non-profits, a 403(b)), it’s a...
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8 Steps to Buying a Home You Can Afford
The journey to buying a home can be one of the most daunting but rewarding decisions of your life. If you’re ready to become a homeowner, now’s the time to get your finances in shape and figure out how...
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What Is a Backdoor Roth IRA?
Jana S. asked this question recently about Roth IRAs:I just listened to your podcast about what to do if you overcontribute to a tax-advantaged account, especially when you earn too much to qualify for...
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7 Financial Resolutions That Will Save You Thousands
No matter if you love or hate New Year's Resolutions, they're hard to avoid during January. While you can commit to new financial goals anytime, having a new year ahead of you is the perfect...
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The Right Amount of Emergency Money to Keep in Cash
No matter if you call it, an emergency fund or a cash reserve, the idea is that we all need extra money set aside to stay safe from the unexpected. Not having enough cash on hand to pay for an...
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How to Cope with Money Worries: Advice from a Psychologist
Money troubles can be difficult to talk about because they stir up intense emotions, such as guilt, anxiety, and fear. But they’re too important to ignore for both your financial and mental...
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