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When I started my first "real" job almost 20 years ago, the concept of taking money out of my paycheck and putting it into a 401K account seemed absolutely ridiculous to me. My 21- year-old mindset was that I wanted every bit of the money that I had earned. Why should I even bother thinking about retirement...

According to a Demos’ 2012 National Survey collaborated with the AARP’s Public Policy Institute on Credit Card Debt of Low- and Middle-Income Households the 50+ crowd is carrying more credit card debt on average than younger people. The report shows that the 50+ crowd carried an average credit...

If you are a retiree, how would you answer that question as it pertains to you? What does being happy mean to you? Are you happy right now, today, or are you happy about your overall lifestyle? What makes you happy? These are questions that will have different answers from different people. Happiness...

For many of us, our lives have been pre-designed; a template existence conforming to society's expectations of life's progression. This involves making a career choice at a young age so you can go to school for it (before you've even had a chance to understand the full spectrum of available careers)...

This past Tuesday, Jeff Rose of Good Financial Cents launched the #RothIRAMovement. Why is this important to all of you and why should you be concerned? Because the average American has little or no money set aside for retirement and that is a BIG problem. Many of you are probably saying to yourselves...

Keeping up the level of intensity necessary to pay off debt is exhausting. It's easy to surrender to frugal fatigue or quit altogether. But really, what does quitting or surrendering do? Yes, it provides a temporary relief but, once you're back on the wagon, you feel awful. Self-loathing sets in. You...

Do you think getting out of debt consists of just paying it off? It doesn't. There is much more to it than that. Anyone can pay off debt. Before we became debt free we did it more than a few times. It's why they call it the "cycle of debt". You pay a credit card off and instead of being happy because...

We were recently talking to a health care professional about my 10 year old daughter. We had some concerns about her development because sometimes she seems to not be able to do things she should be able to do. Thankfully there is nothing wrong except a lack of motivation. The doctor kept using that...

Yesterday I wrote a guest post @EnemyofDebt entitled, The Lost Subject: Personal Finance . The post brings to light the fact that personal finance education is still not being taught in most schools or at home. As a society we can continue to place blame, but who is really suffering? The unfortunate...

Are you living paycheck to paycheck? Do you struggle with debt? Do you have any savings? If your answers to these questions are yes, yes, and no it's time to make some decisions and take charge of your financial life. This week after reading, " Paycheck To Paycheck Isn't A Life " from @wisdomjournal...

This week our very own community member and blogger Travis Pizel was featured in an article by MSN Money, Shocking Money Drain? You Can Fix It! His story is one like millions of Americans who lived beyond their means and eventually had it catch up with them. Why has Travis been so successful in paying...

I have to tell you that I just love being a Senior in the workforce. When Hubby and I first retired and moved to Florida , I didn't work for 18 months because I had COBRA as my health insurance coverage. But after that ran out, I started to aggressively pursue a job that offered good health benefits...

The holidays are right around the corner and with the state of the economy; personal finance is top of mind for many of us. Everyone has a different approach to personal finance some are savers, some are frugalistas, some are investors, some are minimalists, and some like myself try to mix them all together...

The fourth episode of our new Web TV series: FinanciallyFitTV is here! The goal of this series is to provide tips on managing your finances, and to share interesting stories from prominent bloggers and industry insiders, as well as our very own Clarky Davis, The Debt Diva . Our fourth episode, Retirement...

Are you ready for retirement? Most people are not. In fact according to the latest census figures only one in every ten Americans today is financially prepared to retire when they reach age 65. Working people tend to think their retirement lifestyle will be better than their current lifestyle, but retirees...

For many of us the "long term" means retirement. These are supposed to be the golden years where people enjoy traveling, spending time with their families, and leaving work behind. Unfortunately for many people, this is not the case. People are working longer now-- more than they ever have...

Everyone is feeling the pinch. Groceries, gasoline, and heating and air conditioning bills have skyrocketed over the past several months and wages are stagnating. This is requiring families who may have already been under a financial strain to stretch the family budget even further. We have made some...

It’s that time of the year again! The New Year is right around the corner which means the gym will be more crowded than usual, grocery stores will be sold out of anything labeled “Light”, “Reduced fat”, and “Sugar Free”, and people will take a hard look at their...