If the house is paid off in retirement, plus social security, I would think just having a decent amount in Retirement Savings extra and that is all that is needed. The people that need a retirement like a rock star were spending like a rock star in their working years and don’t have retirement savings like a rock star.

If people have their mortgage paid off, or have a mortgage in retirement it should be minimal if its a fixed rate locked in by that time. Most people get by with early Social Security and maybe the equivalent of 100K in the 401K if they are lucky. If someone has a family I just don’t see how you can save 15 percent…

I think Personal Finance is important and this website has had a lot of useful advice over the years and its advice isn’t only for people making 250,000 plus a year. What I am trying to research right now, is does the average American really need to save 15% for retirement as is conventional wisdom from most financial…

I find “Negative” Interest rates to try to be a replacement of government not investing in “New Deal” style public services, ect. in order to re invest in the economy. Negative Interest rates will just help people who already have money.

Trump was the Man!

If my girlfriend is cheating on me with her ex, its time for her to move out and its time to start dating someone new. Remember even if your next girlfriend is ugly your current one will be jealous.

I think owning a house is a good investment as long as you are at a comfortable place to own, or are settled into your job and town. A house is not a flexible investment, especially if you are looking for a promotion at work out of town.

Great Idea to have a Spreadsheet

Some Debt is Okay to live with, and their is actually a case it is safe to have debt in the case of a rainy day as long as the debt is low interest House Loan or something similar. The Plateau definitely happens. Goals of what to save for can get bore-some. Do you invest more in retirement accounts than what you…

After the NFL got rid of the NFC vs AFC for the Pro Bowl, the tradition is over and they may as well just abolish this stupid game. The Hall of Fame Bowl is more exciting than this crap.

My thoughts exactly, the campaign Bernie is running and the administration he will have is more than just Bernie, its about taking on the Corporate and Political interests that are at odds with millions of Americans

Cleveland, should have never drafted Johnny Drinker in the First Place!

I like having this discussion, I am just wondering at what point is it better to invest extra in a 401k beyond company match vs a Roth IRA. I know the Roth IRA is better if you are making around 35K a year but what about when you are making closer to the 116,000 a year but not over it. Any ideas where the sweet spot…

I think Trump is good for the media ratings and he will be on again and again, but what I don’t get is that the media has no clue what his supporters are like or where they come from. Just take your camera crew out of Manhattan and the Trump Supporters are everywhere!

This is why the NCAA Football Playoffs should be expanded. For a long time I thought it would be cool to have home-field advantage in a college football playoff but since its all about money and in this case not for the schools academia but for the NCAA and the Bowl People the Neutral Field already exists, just move…

You are right, i forgot Notre Dame going to the ACC, I think the Big Ten is playing hard to get with Notre Dame, because if you don’t get Notre Dame Football, you are getting Nebraska with no Football team in your conference, screw that! I think Notre Dame would fit in a lot better in the Big Ten but they will not…

Reminds me of this Monty Python Skit

Syracuse would have been a better fit with the Big Ten than Maryland!

Yeah for Big Ten Expansion, I liked the Nebraska Addition, but Maryland “Meh” and Rutgers “Toilet” is what I think about it. I guess the Big Ten decided to give up on the Notre Dame, which if the NCAA pressed them to join a conference, would decide to play in whatever is left of the Big East if it means keeping all…

Rutgers should have known they would sucked in the Big Ten, I don’t get why the Big Ten wanted to be in the NYC media market so bad, especially in an era where you can get any game in the world on a dish.