personal finance

[SD Realtor]

I think there is some cat named rich that may be worth your time to chat with… not sure where to find him though.

[svelte]

I think whether a planner is worth it depends on a few things.

If you’re just barely getting by with no expendable money, then there is not many decisions to be made and a planner will not help.

If you have extra income but there are clear-cut choices for where to put it (employer-matched 401K or profit sharing), then again a planner will not help much.

If, after paying bills and stashing $$ in clear-cut choices, you *still* have extra income, a planner may well be worth a one-time session. (we are in this situation…we’ve made our plan and now we pay bills first, pay “ourselves” second by putting $$ back, and whatever’s left we enjoy!)

In any of the three situations, you are going to want to figure out how much money you are going to need for retirement so you’ll know whether you are on target to meet your goals. That can either be done on your own (lots of good software tools now) or with a planner.

Have fun!

[svelte]

I think whether a planner is worth it depends on a few things.

If you’re just barely getting by with no expendable money, then there is not many decisions to be made and a planner will not help.

If you have extra income but there are clear-cut choices for where to put it (employer-matched 401K or profit sharing), then again a planner will not help much.

If, after paying bills and stashing $$ in clear-cut choices, you *still* have extra income, a planner may well be worth a one-time session. (we are in this situation…we’ve made our plan and now we pay bills first, pay “ourselves” second by putting $$ back, and whatever’s left we enjoy!)

In any of the three situations, you are going to want to figure out how much money you are going to need for retirement so you’ll know whether you are on target to meet your goals. That can either be done on your own (lots of good software tools now) or with a planner.

Have fun!

[svelte]

I think whether a planner is worth it depends on a few things.

If you’re just barely getting by with no expendable money, then there is not many decisions to be made and a planner will not help.

If you have extra income but there are clear-cut choices for where to put it (employer-matched 401K or profit sharing), then again a planner will not help much.

If, after paying bills and stashing $$ in clear-cut choices, you *still* have extra income, a planner may well be worth a one-time session. (we are in this situation…we’ve made our plan and now we pay bills first, pay “ourselves” second by putting $$ back, and whatever’s left we enjoy!)

In any of the three situations, you are going to want to figure out how much money you are going to need for retirement so you’ll know whether you are on target to meet your goals. That can either be done on your own (lots of good software tools now) or with a planner.

Have fun!

[svelte]

I think whether a planner is worth it depends on a few things.

If you’re just barely getting by with no expendable money, then there is not many decisions to be made and a planner will not help.

If you have extra income but there are clear-cut choices for where to put it (employer-matched 401K or profit sharing), then again a planner will not help much.

If, after paying bills and stashing $$ in clear-cut choices, you *still* have extra income, a planner may well be worth a one-time session. (we are in this situation…we’ve made our plan and now we pay bills first, pay “ourselves” second by putting $$ back, and whatever’s left we enjoy!)

In any of the three situations, you are going to want to figure out how much money you are going to need for retirement so you’ll know whether you are on target to meet your goals. That can either be done on your own (lots of good software tools now) or with a planner.

Have fun!

[svelte]

I think whether a planner is worth it depends on a few things.

If you’re just barely getting by with no expendable money, then there is not many decisions to be made and a planner will not help.

If you have extra income but there are clear-cut choices for where to put it (employer-matched 401K or profit sharing), then again a planner will not help much.

If, after paying bills and stashing $$ in clear-cut choices, you *still* have extra income, a planner may well be worth a one-time session. (we are in this situation…we’ve made our plan and now we pay bills first, pay “ourselves” second by putting $$ back, and whatever’s left we enjoy!)

In any of the three situations, you are going to want to figure out how much money you are going to need for retirement so you’ll know whether you are on target to meet your goals. That can either be done on your own (lots of good software tools now) or with a planner.

Have fun!

[NotCranky]

Make sure you have a good balance of friends who don’t spend money, maybe even include some actual poor people.

[NotCranky]

Make sure you have a good balance of friends who don’t spend money, maybe even include some actual poor people.

[NotCranky]

Make sure you have a good balance of friends who don’t spend money, maybe even include some actual poor people.

[NotCranky]

Make sure you have a good balance of friends who don’t spend money, maybe even include some actual poor people.

[NotCranky]

Make sure you have a good balance of friends who don’t spend money, maybe even include some actual poor people.

[UCGal]

When I was trying to figure out a financial plan to meet our goals I used Quicken… I had already been using quicken to track spending – but it’s got a planning section – you can set up your goals (kids college, retirement, etc.) It allows you to “what if” based on various saving scenarios.

I found it really useful. As an older parent with young kids – I’m looking at college concurrent with retirement – not a typical scenario… So I was able to ensure I was saving properly to cover both major goals.

I agree with the advice that Russell gave – to have friends who don’t spend money… It’s good advice. Use them as examples. I use my spender friends as examples of how NOT to live… Seeing their stress makes me clamp onto my money even tighter.

[UCGal]

When I was trying to figure out a financial plan to meet our goals I used Quicken… I had already been using quicken to track spending – but it’s got a planning section – you can set up your goals (kids college, retirement, etc.) It allows you to “what if” based on various saving scenarios.

I found it really useful. As an older parent with young kids – I’m looking at college concurrent with retirement – not a typical scenario… So I was able to ensure I was saving properly to cover both major goals.

I agree with the advice that Russell gave – to have friends who don’t spend money… It’s good advice. Use them as examples. I use my spender friends as examples of how NOT to live… Seeing their stress makes me clamp onto my money even tighter.

[UCGal]

When I was trying to figure out a financial plan to meet our goals I used Quicken… I had already been using quicken to track spending – but it’s got a planning section – you can set up your goals (kids college, retirement, etc.) It allows you to “what if” based on various saving scenarios.

I found it really useful. As an older parent with young kids – I’m looking at college concurrent with retirement – not a typical scenario… So I was able to ensure I was saving properly to cover both major goals.

I agree with the advice that Russell gave – to have friends who don’t spend money… It’s good advice. Use them as examples. I use my spender friends as examples of how NOT to live… Seeing their stress makes me clamp onto my money even tighter.

[UCGal]

When I was trying to figure out a financial plan to meet our goals I used Quicken… I had already been using quicken to track spending – but it’s got a planning section – you can set up your goals (kids college, retirement, etc.) It allows you to “what if” based on various saving scenarios.

I found it really useful. As an older parent with young kids – I’m looking at college concurrent with retirement – not a typical scenario… So I was able to ensure I was saving properly to cover both major goals.

I agree with the advice that Russell gave – to have friends who don’t spend money… It’s good advice. Use them as examples. I use my spender friends as examples of how NOT to live… Seeing their stress makes me clamp onto my money even tighter.

[Author]

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