Latest Posts


Should I Keep Investing in My IRA or Pay Off My Home?


“Dear Steve, Bought a home a year ago after finishing paying off students loans (am currently 27). I started contributing to a Roth about 6 months before I purchased the home and am now wondering if I should continue to max out the Roth or pay off the house faster? M” Dear M, I think the math gives us a ... Read More »

    I Need Someone to Help Me Get My Financial Life on Track. – Sara

    "Credit rating" handwritten with white chalk on a blackboard

    “Dear Steve, I am looking for a workshop or advisor to help get my finances straight. I have a poor credit history so i need advise in working through that in addition to rebuilding my credit. I have several retirement accounts from different jobs that I am not sure what to so with. Do I roll them all together or ... Read More »

      Are All Investments Just a Scam?

      “Dear Paul, My wife and I cashed out the ROTH, 401 and 403. We bought five rentals and GROSS 12% on the investment. We have over 75% of the debt paid off. My wife quit her jor two years ago and I work part-time. We do are our repairs. Too easy..not sure we more folks don’t do this. Not to ... Read More »

        Should I Be Paying Myself First?

        “Dear Paul, Can I run my vanguard index fund assett allocation by you? Also planning to move and buy a more expensive home and would love some guidance there. So, I’m still sort of polishing up the exact percentages, but contributing roughly $4-5k each month approaching $250k total in our Vanguard taxable investment account this year and $50k in the ... Read More »

          I Was Scammed Out of Money as an Investor in a Company. – Vicki

          Ready to Collapse

          “Dear Steve, I invested in a company, that in the beginning, was doing well for just starting out. That is until the CEO became greedy and made changes and decisions to the detriment of the company. I resigned and the agreement (signed by all shareholders) was that I would be paid in 4 payments, quarterly for one year, begining June, ... Read More »

            Can I Take Money Out of One IRA, 401(k), 403(b), or Roth IRA and Roll It Into Another Account? – Dave

            “Dear Paul, Hello, I am unemployed and need money…fast!!. I have several different retirement accounts: With “Investor-A”, I have both, a Traditional IRA & a Roth IRA With “Investor-B” I have both, 401k & 403b accounts (100% vested)… and I also have a SEP-IRA Interesting scheme… do you think this will work..?? I know you cannot borrow from the IRA ... Read More »

              How Should I Invest My Savings? – Mike

              “Dear Paul, Hello, Im a college student with $18,000 in savings. I need to know what to do with it both long and short term. They only debt I have consists of student loans. I have no credit card debt. Mike” Hi Mike, First off; nice job saving up funds, you are the exception rather than the rule, particularly for ... Read More »

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