Since it is in your maiden name

it will take some time to research this but don’t give it up. If you want roll over information, check your bank or Edward Jones or another place that you can trust. You will have to have the paper work done before you can do much other thanresearch it.

ACK! I’m struggling here..

Here’s a quote from TMMO, “When calculating your 15%, don’t include company matches in your plan. Invest 15% of your gross income. If your company matches some or part of your contribution, you can consider it gravy. Remember, this is a rule of thumb, so if you cheat down to 12 percent or up to 17 percent, that is not a huge problem, but understand the dangers of straying far from 15 percent.”

Based on that statement, what do you contribute to retirement?

As I mentioned earlier, I contribute 8% to a 401K (using Vanguard) via my company. My company contributes an additional 3%. Dave says not to count that 3% – BUT I WANT TO! WAHHHH!!!

I am considering opening a Roth IRA and contributing 4% of my income which would be a total of 15%, if you count my company match – 12% if you don’t – which Dave says is “not a huge problem”.

Should I feel ok about that? I need more info about bad credit installment loans direct lenders, pleas only DIRECT!! It does still add up to 15% – so why do I feel so guilty?

I just want to have enough wiggle room to do other things – like save $2K/year for my daughter’s future, work on saving for the patio/sunroom, have the flexibility to do the things we like to do. I keep working up a budget but struggle with so many different things….(sigh)

To give you some more background info, I’m 33 years old and have about $45K in my 401K currently.

When a retirement account remains dormant

meaning no money is being added to it, for 5 years, the school is required to contact you. Now, with that said, that is the public school system. I would call the school and start talking with someone there about how to get it transferred into an IRA or some type of retirement account.

Saw this article on the BBC News website

It talks about how a number of European countries are either passively or actively phasing out cash transactions for a variety of reasons. It mentions the United States in passing. I switched over to a cash-basis a number of years ago as part of the FPU classes I took; I would really rather not switch back. I was saddened to see that many people don’t want to use cash, and think it should be phased out, specifically because it requires budgeting for various expenses in advance.