Money Matters, the Secret to Getting What You Want

Yesterday I cleared star thistle from the winter pasture for the horses. It’s a noxious weed that can harm horses if they decide it’s tasty, so this cloudy fall afternoon found me hacking at it with my handcrafted scythe. Yes, this tool makes me feel like an Amish woman, but it works wonders and is much more pleasant than the loud engine of a weed whacker. As I slashed away the poisonous plants, a loud voice cried out in my earbuds, “What is your financial blueprint?!” The voice was that of T. Harv Eker and the audiobook was Secrets of the Millionaire Mind. The truth is, I wasn’t there in that pasture only to care for my herd. I was there to clear the poison in my mind. Let me rewind. A few days before this, I logged into our bank accounts and credit cards. I could sense something was off and after some foot dragging, knew that I needed to take inventory of our finances. What I found shocked me. For the first time in ten years of partnership, our cash savings was drained. I took a breath. I reached out to my husband with the news. My heart leapt in panic. Being who I am today and knowing what I know about life, I knew the panic was unhelpful. I also knew that suppression was useless and avoidance futile. So, I sat with it. I let all the terrifying emotions arrive and be named. When the kids were asleep, my husband and I met. We talked about money, I named my feelings, we considered our options, and made some decisions. I decided to reach out to my coach and business partner, Ezra. He always has practical feedback and I knew that I could use an outside perspective on things. My current beliefs have brought me this far, it was time to try something new. My coach brought to light some key issues around valuing myself and working with my husband as a team. Then he offered the book recommendation by Eker. I promptly downloaded it from my Audible and headed to the pasture to listen, learn, and clear things up. What I found was an application of what I already know to be true, but offered with new words and wrapped in the language of making money. The truths rang clear, the new application brought new awareness's, and anything that didn’t align in my heart I set aside. So, here’s the secret to getting what you want: There are four steps to changing anything you want to change in your life. Your money, relationships, business, spiritual life, health, anything. The four steps are: Awareness -Unpack your suitcase of subconscious beliefs about X (in this case money) Choice - Decide what you want in your suitcase and what you are ready to leave behind. Action - Now, repack it with care and take it with you as you travel. Reflection - Notice what changes. [...]

2021-10-22T16:52:15-07:00By |

Moneywoman: Unleash Your Inner Financial Superhero

The first National Women’s Equality Day was in 1971. Women couldn’t get credit cards in their own name back then. And if a woman became pregnant, she could be legally fired. Thankfully, a lot has changed, but some things haven’t. Women still do not receive equal pay for equal work. The gap is roughly 20%1, and women continue to live longer than men, now by an average of seven years. That one-two punch — lower earnings over a longer lifetime — makes it critical for women to become even more knowledgeable and confident about their finances. We talked with Darrelyn Dunmore, an agent with Strategic Wealth Specialists in Mobile, Alabama about her own journey to financial confidence and how she helps other women become more empowered.   HOW DID YOUR JOURNEY TO FINANCIAL CONFIDENCE BEGIN? We know that 80-90% of women will become solely responsible for their finances at some point in their lives, mainly due to divorce or widowhood. That’s what happened to me. I went through a divorce in 2000. Suddenly, I was a single mother of two daughters and scared to death.   WHAT DID YOU DO? I signed up for a seminar about how women could work towards financial freedom. The leaders encouraged us to take a “financial snapshot” of where we were at that moment, and to map out where we wanted to be in the future. We also gained an understanding of basic financial concepts and how they applied to our lives. That experience gave me the courage and understanding to move forward.   HOW HAS YOUR EXPERIENCE TRANSLATED INTO YOUR WORK? Nearly two-thirds of American women, ages 40 to 79, have already dealt with a major financial “life crisis,” such as job loss, divorce, the death of a spouse, or serious illness. I meet with women of all ages and every socioeconomic level. And they all share the same concern: “How can I protect myself financially?” Married women want to know whether they will be okay if something happens to their husband. In many cases, the husband doesn’t understand their financial situation himself or he won’t give his wife this vital information. I’ll never forget talking with an 81-year-old widow who said, “He wasn’t supposed to go first. I don’t know what we have or where to start.”   WHAT ABOUT YOUNGER WOMEN? Many millennial-age women contact us because they’ve seen what their parents went through in the 2008 financial downturn. Savings wiped out. Jobs lost. Net worth slashed. They want to begin developing a financial strategy now so a similar crisis doesn’t set them back. Many women are just like I was back in 2000: divorced and scared. All these women are educated, but they just don’t know what they don’t know about their finances.   HOW DO YOU HELP WOMEN BECOME FINANCIALLY CONFIDENT? Financial education made all the difference in my life — and that’s what we provide to our clients. We help women get financially organized, [...]

2021-07-28T18:31:56-07:00By |

When is Filing for Bankruptcy a Good Idea?

Can you define “bankruptcy” in a legal sense? Did you know that “bankruptcy” does not mean you do not have any money? Now, if you picture the word “bankruptcy,” you would not be picturing anything happy, uplifting, or positive. You’d be picturing someone sad, hopeless, and doesn’t have any money to their name. We are living in times of great uncertainty and anxiety. Some people have been impacted more than others, but everyone has felt the effects of the world we find ourselves in. One of the most damaging and common effects of these challenging times is our finances. Businesses that used to be steady in their profit are now struggling to make ends meet. People are taking salary cuts, being furloughed, or even losing their jobs. Unexpected medical bills, from either COVID-19 or something else, have created heartache, stress, and hardship for hundreds of thousands of people.   No matter who you are, you have felt the negative financial effects, and you are probably feeling lost or worse - hopeless. When people start to struggle financially, filing for “bankruptcy” doesn’t usually seem like an option. They’ll strive to work hard to avoid it, but they are missing out on a potential opportunity to improve their situation. “Bankruptcy” doesn’t mean you are admitting you are a failure, and it doesn’t make you a bad person. We want to share why filing for bankruptcy may be a good idea.   How is bankruptcy defined? Before we get into when you may want to consider filing for bankruptcy, let’s define it. Bankruptcy is a court order that discharges some (but not all) of your debts if the court finds you have no means to pay back the debt you are currently in.   Is there only one way to file for bankruptcy?             There are two main ways to file for bankruptcy – Chapter 7 bankruptcy or chapter 13 bankruptcy. Filing for Chapter 7 bankruptcy, most of your assets (things you own that have value to the economy, like a house or car) are liquidated (sold to generate money to pay off your debt). People can file for Chapter 7 due to reasons like divorce, unexpected and expensive medical bills, and unemployment (making this more relevant in today’s times). Chapter 7 bankruptcy is considered a fresh start because it can quickly resolve almost all your debt. However, it is important to remember that assets like your car or house will be sold to pay off your debt. If you have personal assets that you cannot part with for whatever reason, then Chapter 7 may not be an option. Chapter 13 bankruptcy is different from Chapter 7 because it allows you to keep all your property and repay lenders with less than the amount owed. The catch with Chapter 13 bankruptcy is that you must meet certain qualifications.   How can bankruptcy help me?   If you’ve been affected by economic hardships, you [...]

2021-05-24T21:03:17-07:00By |

The 5 Best Ways to Handle Student Loan Debt

The opportunities to get an education at a higher level are the most they have ever been in recorded history. Between scholarships, more people willing to leave their home cities/states, and the increased investment in return for a great education – college is available to more people than ever. Unfortunately, not everyone can get free college tuition. Unless you’re a student-athlete or on a full scholarship, you will be paying a lot of money to attend college. Even people with scholarships still must pay for things during college. This is where student loans come in. The increased availability of college for everyone means the increased need to pay for that college experience. The most realistic way to be able to afford college is through using student loans. Student loans are a great option for people to be able to attend college even if they don’t have the money to pay for all of it, but they aren’t always great. Over 40 million Americans have student loans, and the numbers of loans increase every day. Student loans can be challenging because you may simply forget to pay for them, you may not think they are a big deal, or you/your job may have been affected by the COVID-19 pandemic and you are suddenly in a rough spot financially. Student loans can increase your debt quickly if they are not properly managed and paid on time, but sometimes life happens, and you can’t pay as you would like. Fortunately, there are options available for you. We want to share five ways to manage your student loan debt.   Know What You Are Working With             Before you create a plan on managing your student loans, first you need to know what type of loans you have. Your loans may be federal or private which have different rules and timelines Your loans may have different timeframes for expected payment (you may have much longer on one than the other, which can help you prioritize your payments) Your loans may have different interest rates which will affect which loans will cost you the most money in the long run Knowing every detail about your loans will direct you on how to address them.   Know Your Grace Periods (and ignore them, in a way)             Each loan will have different “grace periods” which is the time after you graduate where you will not be expected to pay anything on your loans. Some grace periods may be 30 days, and some may be 9 months. Once you know your grace periods, you have two options, either… Don’t pay anything during the grace period but start saving up/creating a strategy to begin paying when the period is over If you can, start paying your loans now (even if you have a grace period). This creates a habit of setting money aside where, by the time the grace period ends, you will [...]

2021-05-20T12:32:27-07:00By |

5 Insider Tips for Buying a Car Online

Even though we’re in the middle of a pandemic, we still need to be able to go places (safely). Now that we are stuck at home, we miss being able to just get in the car and drive places. Since we have not been using our car as much as normal, we start to notice little things here and there that we never noticed before. Maybe we never took care of our car the way we should Maybe the knocks and sounds that we’ve been used to now are more concerning Maybe the car is close to breaking down Either way, you start thinking about getting a new car. Maybe you have been able to save up some money since you’re not driving as much. Maybe you have been waiting for just the right time to get a new car, and now seems as good as any. Now that you know you want a new car, you also want to be safe about buying a car. You can’t just go to the dealership and spend all day test-driving cars and talking to different salespeople. You need to be able to look for a car from the comfort of your own home. Here are 5 great tips for buying a car online.   Figure Out Your Budget             Before you start looking at cars, you need to understand how much you are willing to spend on a car. There are different car loan calculators online that you can use to determine how much you can afford based on your finances (income, debt, etc.). Even those these calculators can show you how much you would be spending on the car loan itself, you need to be aware of other factors. Car insurance and gas should also be considered when planning your budget for a car.   Get Pre-Approved for a Loan               Once you have decided your budget, the next step is to check your expectations against the reality. In this case, it means going to a bank and getting pre-approved for a loan. Banks will review your finances and determine how much they are willing to loan you. Even if the amount they offer is lower than you though, you now know the exact numbers you are working with so you can make the best financial decision.   Research           Long gone are the days where people would walk into car dealerships clueless and just hope the salesperson didn’t try and overcharge them.  Now, you have many resources online that ensure you go into a car search with helpful knowledge. You can find out a car’s MSRP (Manufacturer’s Suggested Retail Price), along with your current car’s trade-in values and reviews. You may have a certain car in mind, but upon research, find out there are many negative reviews. Researching your current and potential future car’s information will give you the confidence [...]

2021-05-20T13:02:48-07:00By |

How to Find and Fix Errors on Your Credit Report

A credit report is one of the most important reports regarding your past, present, and future. It shows lenders (companies who are considering granting you a loan, like a bank or a credit card company) that you are responsible and can reliably pay back any debts; critical to making any major purchases (like a house or car). Unfortunately, if your credit report has a low score, it shows companies that you are unreliable and cannot manage money well. Companies don’t have time to look at every person’s file and go into their entire credit history to understand how they got to where they are finanically – they just need to see the number, decide, and move on. Credit reports are an important resource that companies review regularly when making big decisions, but that doesn’t mean they are perfect. Credit reports, like any other piece of information, can be wrong from time to time. In this case, these errors can negatively affect your life and prevent your chances of achieving your goals. Since credit reports can impact your life in major ways, you should always review your credit report to identify and fix any mistakes. Here is how you can find and fix any errors on your credit report.   Request Your Report             The Fair Credit Reporting Act was created to ensure that all information on credit reports is accurate and private. The report is a clause that allows people to request a free copy of their credit report once a calendar year (every 12 months). This report will come from one of the three major credit companies – TransUnion, Experian, or Equifax. There are two easy ways to request this report, either… Visit AnnualCreditReport.com Call 1.877.322.8228   Verify All Information             Credit reports are not a quick document to scan through – you must take your time and review every line to ensure it is correct. Here are some common mistakes and why they should be checked…   Personal information (name, address, any known aliases) Verify all your personal information is updated and accurate. If you see an “alias” on there that is not you, then you may have been the victim of identity theft, and someone may have been hurting your credit through bad transactions. If your name is misspelled, it is likely not a big deal, but such a minor error may mean there are other errors in your report. Current and Past Credit Accounts First, verify that all closed credit accounts are shown to be closed on the account as well. Look for any mistakes such as late payments (if you’ve never made any late payments). Look for any accounts that you don’t recognize, because they may have been opened by somebody else under your name. If you are divorced, make sure your former spouse’s debts are not on your report. You also must verify accounts are not listed more than [...]

2021-05-24T20:33:24-07:00By |

7 Important Reasons Why You Should Buy Life Insurance Today

No one wants to think about death. It’s a difficult subject to discuss, and most people will want to avoid the subject altogether. However, death is a natural part of life. It is not often that people know when they are going to die, and because it is a mystery, it is something we don’t plan for. Unfortunately, it is something we must plan for. While we may not know when it is going to happen, it is important to have plans in place in case the worst should happen. This is where life insurance comes in. Life Insurance is an agreement between a person and an insurance company where, if the insured person dies, the money will be paid to a beneficiary (someone who would receive the money, like a spouse or family member). Life Insurance is not a policy most people think to have, but they should. With so many options available for life insurance, you can find a policy that works for you, regardless of your situation. If you are still unsure about life insurance, or even if you’ve never thought about it - here are 7 reasons you should buy life insurance.   It’s One Less Thing for Your Loved Ones to Worry About             In the unfortunate case that you die, you will be leaving behind loved ones. They will be dealing with a lot, and the last thing they should be worried about is money. Life Insurance guarantees that your loved ones will receive money in the event of your death. This is especially important if you had a job and that income was supporting your family. Now, even without that income, life insurance will help them financially.   It Can Pay Off Debt             Unfortunately, debt doesn’t go away in death. If you leave behind any debt, life insurance can significantly reduce or even pay off the debt so your loved ones will not have to worry about it. Between funeral expenses and planning for the future, you don’t want your loved ones to have to be dealing with the added level of stress that comes with paying off debt.   It Creates Cash Value for You               There are two types of life insurance – term life insurance and whole life insurance. Term life insurance is only active for a specific timeframe (months, year, etc.). Whole life insurance stays in place until you cancel the policy. Whole life insurance also builds up cash value, and you can withdraw from this cash if needed. This way, you can have an emergency fund of cash you can pull from in emergencies (that do not involve your death).   It Can Come at a Discount             Odds are the insurance company you already work with for car or home insurance also offers life insurance. Combining your insurance options (like [...]

2021-05-24T19:27:16-07:00By |

6 Smart Ways to Eliminate Credit Card Debt

Have you ever felt like, no matter what you do, you can’t seem to get ahead of everything? It feels like, no matter what you do, you are always struggling to keep up. This has never been truer than these pandemic times that we are currently living in. With people either losing jobs, being furloughed, or having their salaries reduced, everyone has been affected financially in some way. And yet, we still need to buy things to survive. Whether you have been using credit cards to buy things here and there, or you experienced a major unexpected bill (medical, home repair, etc.), most people are dealing with some sort of credit card debt now. What if there was a way to eliminate that credit card debt, so you could keep the money you earned instead of just using it to make a dent in your debt? Whatever your situation is, we want to share 6 ways to easily eliminate your credit card debt.   Cut and Budget             Before you do anything, you must commit to not increasing your credit card debt by much (if at all).  Find out how much you owe on each card, and plan to stop paying with a credit card. You won’t be able to ever catch up on debt if you keep adding to it (or pay a little but charge a lot). Once you’ve decided to stop using your cards, the next thing is to budget. Figure out the essential spending – food and bills. Everything else can and should wait until you are in a better place financially.   Transfer Balances to a 0% Credit Card             Credit card interest, where a “penalty” fee is added to the total amount you owe (based on how much it is) is one of the quickest ways your debt can increase. There are 0% interest credit cards available to anyone with a good credit score (around 700 or higher). You can transfer your balance to a 0% card and not have any interest added to it if the balance is paid in full by the end of the introductory period (around a year). If you have good credit and a good plan to pay off your debt, transferring the debt to this one card is a great way to get rid of your debt without it increasing. This is also known as “debt consolidation”, where, instead of paying off multiple credit cards with different balances, you are making one payment for one debt. If you have a good plan in place (and use the other ways mentioned in this article), debt consolidation is an effective way to eliminate your debt.   Pay Your Minimum Payment Twice             When dealing with credit cards, people usually pay the minimum amount and hope for the best. Like we previously mentioned, just paying the minimum is not going to [...]

2021-05-24T18:53:42-07:00By |

6 Genius Ways to Save Money While Renovating A Home

Now that you’re home more often due to our crazy times – have you noticed how much repair your home needs? Whether it’s minor chips in the wall, old and damaged flooring, or outdated fixtures that are long past their prime – spending more time at home means finding more things wrong with your home. When you are spending almost all of your time in the same place, you get inspired to fix everything. You may think that, since you’re spending more time at home, you might as well make your house look as nice as possible. You deserve a home you are proud of, and sometimes that may mean changing it up. In this scenario, we’re not talking about caulking some of the baseboards or just painting over some scuff marks – we are talking about renovating a home – a project that will cost a significant amount, take some time, and involve lots of little tasks. As we mentioned earlier, you deserve to have a home you are proud of, but that doesn’t mean you should go broke doing it. Renovating a house costs money, but it doesn’t have to cost as much money if you do it right.   Here are 6 ways to save money while renovating a home. Create a Budget             As with any large project, you have to start by knowing what you are working with in terms of money. You may want to get your entire home and re-build from the ashes, but what you can afford may not line up with that. Make a list of everything you want to do in your home, and then create a budget with how much you are willing to spend on the entire project or break it up by category (“We are willing to spend up to $X for the kitchen”). Starting with a specific amount of money helps guide every decision in your renovation to ensure your home looks good and your bank account doesn’t look empty. In addition to money, the next thing you need to properly plan a budget is priority. You may not be able to afford to do everything at once, and that’s ok. Prioritize the major/main things you want to do first, and focus your budget and energy on those. After you’ve completed those tasks, you can reevaluate the time, money, and need for other possible renovations.   Do It Yourself (Or Get It Ready)             Some things are best left to the professionals, like plumbing. There are other projects, like installing a backsplash or re-carpeting a room, that you can do yourself. There are many resources you can use to learn how to do certain home projects… Books at your local library or hardware store Weekend workshops focused on specific projects at stores like Lowes or Home Depot YouTube There are contractors and professionals with their channels on YouTube who share tips [...]

2021-05-21T00:15:58-07:00By |

6 Tips to Reduce Stress and Save Money When You Move

Life never slows down. Whether you’re enjoying a new opportunity or living in the middle of a pandemic, there is always something going on. One thing you may be experiencing is moving. Maybe you are moving due to financial reasons, or you are just trying to live differently. Either way, moving can be a stressful experience, both physically and financially. Just the thought of moving makes you think of hundreds of different decisions that need to be made – do you do it yourself or hire someone, if you do it yourself - do you have to buy moving equipment, and so on. It’s easy to get overwhelmed before you even pack your first box. Fortunately, we are going to share some tips to help make your move as smooth as it can be financially. Here are 6 ways to reduce stress and save money when you move.   Sell Your Stuff             It doesn’t matter how long you’ve lived in your current house – when you move, you always figure out how much stuff you lived with (and wonder how you had any space, to begin with). Before you begin to move, the first way you can save money is by making some money. There are tons of apps out there like Facebook Marketplace, Letgo, and Decluttr where you can sell your stuff and make a quick buck. You’ll be able to make some money, have less stuff to move, and feel good that your unwanted stuff is benefitting someone else.   Change Your Address Before You Move             On USPS.com, once you sign up for a new address and mail-forwarding, you’ll receive lots of coupons in the mail. They could be anywhere from discounts on moving services to stores you may need to buy new stuff from. You’ll most likely use the services you get coupons for anyway, so why not save some money in the process?   Don’t Buy Boxes             Boxes are critical to an easy move, but they can be pricey to purchase. Instead of buying boxes – check around your local area for any unwanted boxes. Maybe you can ask your neighborhood or social media for any unwanted moving boxes (there is always someone around who just got done moving and has a lot of boxes they don’t need). Ask your local stores (liquor, department, or grocery stores are safe bets) if they have any to use or use an app like Freecycle to locate unwanted boxes for free. As we mentioned before – you will be shocked at how much stuff you’ll need to move, so using free boxes is a great way to save money.   Try the Move Yourself (or Make the Process Easier)             Moving services can save you time and energy, but they aren’t cheap. If you’re able, move everything yourself (with some help [...]

2021-05-24T14:03:59-07:00By |

4 Tips for Having A Beautiful Wedding on A Budget

Your wedding day will be one of – if not, the – most important and memorable days of your life. Perhaps you’ve been dreaming about it since you were small, or now that you’ve found “The One,” it’s all you have been thinking about. Either way, or something else, now that you’ve decided to get hitched, it is time to plan for the big day. If money were no object, your every wedding wish would be doable. You’d have all details done to perfection…no matter the price tag. It would be television-worthy, and your guests would be wowed. Can you still have such a special affair if you’re on a budget? Of course, it is possible, especially when you spend strategically without feeling like you’ve skimped. I love a good deal as much as a lavish wedding. That’s why these four ideas are the perfect combination for any couple who’d rather save their dough for down the road rather than go broke on the “I dos.”   On-Point Attire             Brides and grooms tend to go overboard on wedding attire. But there is no need for designer dresses and Oscars-style tuxes. There are plenty of options out there that are far less expensive and still look like a million bucks. Seek out samples rather than a brand new item. The discounts are dramatic, and you’ll get the look you’ve been after. Consider wearing family heirlooms (i.e., perhaps your mother’s wedding gown) which not only save money but have an emotional component too. Shop off-season and seek out sales, and think of stores that aren’t necessarily tailored for weddings exclusively. You can find wedding-appropriate attire online, at the mall, or even on Etsy. * You can also rent your wedding dress, tux, and even bridesmaid/groomsmen attire. You’ll be able to choose something outside your budget because the rental fee will be far less than purchasing a new piece to own. See more money-saving rental ideas below. With a little searching, you’ll find something classy that you’ll feel comfortable in. You don’t have to break the bank to be beautiful.   DIY Décor             Couples spend a fortune on invitations, flowers, centerpieces, place cards, take-home gifts, and so on. Things add up in a snap, and before long, you’ve blown your budget…and then some. The crafty types can do projects to prep for the wedding, with their own artistry and personal touches. Get supplies at the store and make it a hands-on experience. It’s a nice way to see how well you work alongside your soon-to-be spouse too. If you’re not particularly talented in this area, check out instructional YouTube videos or find some friends and family members willing to help out. You can work this angle for food too, making your wedding a homemade feast. Prepare large portions at home to heat up at the venue. Make it buffet-style so everyone can sample each DIY dish. [...]

2021-05-11T15:55:18-07:00By |

6 Smart Ways to Set Yourself Up for Early Retirement

Did you know the age for retirement is 67 years old? Can you imagine working until you’re 67 years old? Of course, you may have a job you love and want to work at until you physically (or mentally) are not able to. Maybe you just love staying busy, so you see yourself working at a job, any job, for as long as you can. Maybe you just don’t plan that far ahead, so you’re not worried about it. What if you could start habits now that would give you a chance to retire earlier than when you are 67 years old? We’re not talking retire at 64 or 63 – we are talking about retiring when you’re in your 50s, and maybe earlier. The thought of being able to retire early, where you are living comfortably without having to work, is exciting. More important, it is possible, if you start doing these things now.   Think About Your Future Self             People are notoriously bad at planning for retirement. It is difficult to imagine yourself so far into the future because there is so much going on in the present. Before you start doing anything, you must understand that who you are 20 years from now is just the present you x 7,300 days. How many times have you said, “I wish I would have done this earlier?” You need to set your future self up for success, and that means making every decision with that in mind. You don’t need to go too extreme and struggle now just for the sake of it, but you must evaluate how the money you have now is going to help you in the future.   Set Your Goals Now and Work Backwards             After you’ve changed your thinking to keep the “future you” in mind, the next thing is to create a goal for when you want to retire. Once you decide whatever that age is, you can work backward and determine how much you need to be saving to reach that goal.   Start Today with Saving Automatically             Start saving money immediately. Don’t save too much (you still need money to live today) but automate a percentage of your paycheck to go into a savings account. It could be 10%, it could be 20% - whatever you can live without for right now and still live comfortably. Once you automate the process (where it goes into your savings without you having to manually do it), you’ll get used to not relying on that money, and it will teach you to manage the money you have and let the savings build up. This could be done whether you are in a job that has a 401(k) or not.   Contribute the Max to Your 401(k)             If you’re in a job that has a 401(k), [...]

2021-05-24T19:08:03-07:00By |

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