Saver’s Tax Credit for the 2020 Tax Year

Millions of working Americans are missing out on a valuable tax credit – The IRS’ Retirement Savings Contribution Credit or Saver’s Credit.  The 18th Annual Transamerica Retirement Survey found that an alarming 72 percent of women are unaware of the …

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Monthly Budget Worksheet

Taking the time to understand where your money goes can make a big difference in your financial situation. This monthly budget worksheet can help you get on top of your finances.  If you are a caregiver, it also includes a …

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Think Twice Before Tapping Your 401(k) for Short-Term Needs

By Spencer Williams, Retirement Clearinghouse Published on March 30, 2020 In extraordinary times like these, it is understandable that Americans need emergency cash injections to pay expenses. But before tapping their 401(k)s, workers should at least follow the advice offered …

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COVID-19 Resources

WISER’s COVID-19 Financial Resources – Infographic Renter Resources   Homeowner Resources   Social Security Continues to Work For You   (*Note that on October 22, 2020, SSA revised information about who can schedule in-person appointments and how to go about …

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The Beginner’s Guide to Saving and Investing

So your parents or your colleagues or maybe just your conscience is on your case to stop spending everything you earn and start saving and investing some of that hard-earned money.  But where to begin?? It can seem intimidating to …

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5 Money Mistakes Women Should Avoid

Here are some common mistakes that a lot of women make and that you can learn to avoid: Debt Learn to live below your means. If you don’t have cash to back up your credit card spending, then do not …

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Roth Individual Retirement Accounts (IRAs)

An Individual Retirement Account (IRA) is a convenient way for all working people to save for their retirement.  You pay taxes on the money you contribute to your Roth IRA, but the money you save grows tax-free, and you do …

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Traditional Individual Retirement Accounts (IRAs)

An Individual Retirement Account or IRA provides a convenient way for all working people to save for their retirement. A traditional IRA is a tax-deferred retirement savings account; you pay taxes on the money in your account only when you …

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