401K - Frugal Focus

Start Saving Early for Retirement: Tips for Young People Just Starting Out

Prairie Eco-Thrifter

MAY 6, 2012

.” - “I don’t earn enough to be able to put anything away for retirement.” - “With the rising cost of living, I am having trouble making ends met, let alone putting anything aside for the future.” - “My boss doesn’t have a 401K for me to join.” You want to plan to retire from work, not from life.

401K

401K Saving Part Time Money

Investment Methods

Prairie Eco-Thrifter

MAY 6, 2016

When I retired, I used this method to re-invest the proceeds from my company 401K (that I had rolled into an IRA). It caught me by surprise that the stocks/mutual funds in which I invested while in the 401K could not be transferred in kind to my IRA. Instead, they had to be sold within the 401K and the proceeds reinvested in the IRA.

401K

401K Money Emergency Fund Goals

What Makes a Saver?

Prairie Eco-Thrifter

MAY 23, 2017

I also saved – maxing out 401K contributions to build up the retirement funds. As a young mom, I saved like mad – going to garage sales, thrift stores and accepting hand me downs on toys and clothing.

Making

Making Recession College 401K

5 Reasons Why You Should Invest in Gold

Prairie Eco-Thrifter

FEBRUARY 3, 2012

Have you looked at your 401K and almost choked because of its decline? There are benefits and disadvantages to each of them and it really depends on what type of investor you when you make the choice. Add Gold to Your IRA. You could always invest in a gold backed IRA.

Economy

Economy 401K Personal Finance Grandchildren

Link Love Carnival #4

Prairie Eco-Thrifter

JUNE 30, 2011

Suba tells us why you should not use your 401K. Heartland Frugalista interviewed Annie LeFort about composting 101. I love hearing stories about how others are doing their part to live sustainable. We also compost and we love it. Do you know how many fees and expenses your paying? I have some tricks I have found for work life balance.

Compost

Compost Composting Donation 401K

Yakezie Carnival October 16, 2011- Growth Edition

Prairie Eco-Thrifter

OCTOBER 15, 2011

Stock Market Basics: How Does 401k work Understanding 401k is a must to help you save money for retirement purposes plus it also helps you save taxes and get more cash in your hands. If you want to help your kids get off to the best start in life, it’s vital to consider them when you make financial decisions.

October

October 2011 Finance Personal Finance

The Best Investments For the Over 40s to Start Now

Prairie Eco-Thrifter

JUNE 11, 2012

For USA Investors An employer-matched 401k allows you to contribute up to $22,000 if you’re over 50; whatever amounts your employer adds to this is basically free money. You purchase when the price is low and sell when it goes up, thus making a profit. Traditional IRAs allow your contributions as a tax deduction while you are working.

Taxes

Taxes Goals Advantage 401K

Seniors – Keep Your Allocations

Prairie Eco-Thrifter

JANUARY 12, 2014

Vanguard’s Personal Financial Planner thought I should change invest all my retirement money in bonds when I moved it from my 401K to an IRA. In the years since that recommendation was given, the stock has consistently paid a dividend and the stock price has tripled in value. The bond market was at a high at the time.

Money

Money 401K Bank Banking

Money and Life in Your Forties

Prairie Eco-Thrifter

JULY 31, 2015

Being out of the work force to raise babies put me behind on the retirement savings front, but I caught up through regular 401k contributions, and additional IRA savings and ended up with more than most people do put aside. Be prepared by setting aside the financial resources you will need. Get healthy.

Money

Money Kids and Family Home and Garden Parenting

Should You Invest In A Rising Market?

Prairie Eco-Thrifter

APRIL 30, 2013

Unfortunately, to move them, I had to cash some the investments out in the 401K, leaving me with quite a few funds to get back into the market. My Predicament. I retired in 2010 (yeah!). I moved my retirement savings from two company plans into an IRA.

Economy

Economy Money Recession Real Estate

Seven Retirement Lessons Learned

Prairie Eco-Thrifter

OCTOBER 11, 2011

However, I haven’t learned this lesson too well, as I still have the second plan, which is a 401K. I did deal with this one as soon as possible by moving it in kind to a taxable IRA – so I could take advantage of the Net Unrealized Value taxation rules.

Real Estate

Real Estate Money Recession Work

P.E.P. for the Week of January 24-28, 2010- Adjustment Edition

Prairie Eco-Thrifter

JANUARY 28, 2011

Personal Finance by the Book askes if we should borrow from our 401K? I wanted to use my money for other things. I had to remind myself that being debt free was the first step to fulfilling my dreams. If you ask me, no. That money is there for your retirement and trust me, you will need it.

January

January 2010 Personal Finance Finance

What Can Go Wrong – Naming a Beneficiary

Prairie Eco-Thrifter

JULY 16, 2017

Being the smart person you are, you you sign up for a 401K with company matching and do the right thing by starting to pump as much into it as possible. In 5 years – you’ve married and had a baby, but your 401k still goes to Mom and Dad when you die.

Grandchildren

Grandchildren 401K Money Contest

Carnival of Personal Finance #316- Family Edition

Prairie Eco-Thrifter

JULY 4, 2011

Crystal from Stupid Cents talks 401k Allocation and where to put your money. Tim from How to Make Bankable Savings discusses Buy Versus Rent: Non-Financial Considerations are Ke y The decision to buy or rent your home involves more than a financial analysis.

Personal Finance

Personal Finance Finance Family Debt

Carnival of Financial Planning – Money Management Edition #231

Prairie Eco-Thrifter

APRIL 6, 2012

Bob presents 401k Hardship Distributions: What you need to know posted at ChristianPF , saying, “Hopefully you don’t know what hardship distributions and hopefully you will never need to know. The BMO Retirement Institute reports boomers over the age of 55 are not serious about planning for retirement.

Money

Money Finance Personal Finance Real Estate

Totally Money Blog Carnival #18 – 6 Ways to Save Money Edition

Prairie Eco-Thrifter

MAY 8, 2011

Ramsay presents Borrowing From Your 401k. Among the many benefits afforded to many 401k participants is the ability to borrow funds from the account for personal purposes. A few friends have had to file in the past and it sure sounds complex to me. Read Kay’s article to find some alternate routes. Save Money this Spring: #2.

Saving Money

Saving Money Money Credit Cards Insurance

10 Reasons You’re Broke

Prairie Eco-Thrifter

FEBRUARY 9, 2012

Instead of investing your money in education or your 401K, your money goes to clothes, gadgets, big screen TV’s or alcohol. If you always have more month than cash and never seem to get ahead or even to even, it’s time to look at some reasons you may be broke. You spend your money on the wrong stuff.

Money

Money Debt Finance Credit Cards