Life has many curves which are best handled with thoughtful navigation, planning, and risk management.    If you own a house, you can reasonably expect to periodically replace old appliances, hot water heater, furnace / air conditioner, roof, etc.  If you own a car, you can reasonably expect periodic repairs, oil ...more

While I understand many people are unemployed or underemployed and can't save, many people choose to not save for retirement until it is too late.    I have maxed out my 401k for the past several years and it adds up quickly.  By saving the max (currently $17,500) per year, along with an average company match of 3...more

I agree with the posts saying we need to stop asking for help.  Take responsibility for your own future.   I save the maximum allowed in my 401k and Roth IRA every year.  That is $21,500 saved per year, folks.  I could buy a lot of toys with that.   I am on track to retire at 60 with about 2 million dollars.    ...more