It's easy since I'm a no-benefits contractor. There is absolutely nothing to understand., Retirement plan: none Health/Medical: none. Piece of cake.

In theory, this is great. However, no matter how much you plan, life happens and can destroy all of you efforts to build up a nest egg. Not that you shouldn't try, you should. Just don't assume that someone who hits age 50 or so with no retirement savings never planned or saved up in advance. Medical expenses, natu...more

None of these tips lower your tax bill. Ideas such as maxing out tax shielded investments, using tax-advantaged investments, etc, would save you money on taxes.

I find credit monitoring useful when cleaning up your report or preparing to apply for new credit. My score shot up about 100 pts in 3 months by pulling my reports often and fixing mistakes on them. I've also caught companies putting erroneous data or not updating the credit bureaus after they agreed to. You have to ke...more