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A 2-Step Strategy Financial Planners Use For Themselves and Their Clients Can Make Your Money Much Less Confusing

If you're looking for an easy way to budget your money, financial planners recommend "bucketing." Separating cash into different "buckets" for specific purposes — retirement, travel, or an emergency fund— allows you to clearly see how much is going toward each goal. Setting up automatic contributions can make funding each bucket, or account, virtually effortless. It’s just a decidedly unfashionable term for organizing your money in a way that helps you cover expenses, avoid consumer debt, and save a portion of your income to fund whatever goals you’re working toward. By Tanza Loudenback via Business Insider with contribution from Luis F. Rosa, CFP® EA

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Starting a New Job? How to Take Charge of Your 401(k)

With a new job comes plenty of paperwork, and if you’re lucky, one of those documents will be about starting a 401(k). It just may not seem like a blessing at the time. Although the option to invest in an employer-sponsored retirement plan is a great benefit to employees — and not available to many workers — individuals may put off or completely shy away from participating if they don’t understand what they need to do. By Alessandra Malito via @MarketWatch with contribution from Luis F. Rosa, CFP® EA.

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Why There's Never Been a Better Time For Millennials To Contribute To a Roth IRA

Financial experts have long considered Roth IRAs ideal investment vehicles for young workers. And with tax rates as low as they’re likely to be for the foreseeable future thanks to the 2017 Tax Cuts and Jobs Act, there has never been a better time to contribute to one, experts agree. Especially because it is almost certain that tax rates will eventually increase. By Alicia Adamczyk via CNBC with contribution from Luis F. Rosa, CFP® EA.

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We Asked Financial Planners for the Best Strategy to Tackle Credit-Card Debt, and There Are 2 Clear Favorites

Nearly half of American households are in credit-card debt, carrying an average of $6,929, according to a NerdWallet analysis. Any amount of debt can feel suffocating and even insurmountable given that the average annual percentage rate (APR) is creeping toward 18%, but there are ways to get out from under it. Business Insider asked financial planners their favorite way to get out of credit-card debt, and they all recommended two equally effective strategies: the debt snowball and the debt avalanche. By Tanza Loudenback with contribution from Luis F. Rosa, CFP® EA.

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