Why Have a Spending Plan?

Q: I make pretty good money but I have no idea where it goes! I really don’t feel like I need to be on a budget per se, but sometimes I feel guilty when I go shopping, as in: I have no idea whether its okay to buy something that I want.  Do you have any suggestions on...

What is a Roth IRA?

Q: I hear people talking about the “Roth”, but I’m embarrassed to admit I really don’t fully get it. Is it something I should understand, or does it not matter for me? A: GREAT question! The ROTH , which is a type of IRA, is one of my favorite saving vehicles,...

Do I Really Need an Emergency Fund?

Q: Do I really need an emergency fund? If worse comes to worst, can’t I just use one of my credit cards in a bind? I have about $20,000 in credit limit between 3 cards. A: This is a great question. The answer is a resounding YES you need an emergency fund. Think of it...

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