Tag Archives: saving

Retirement: The married/single divide

One of the most intriguing retirement studies issued in 2012 was by economists James Poterba of MIT, Steven Venti of Dartmouth, and David Wise of Harvard.* Their study looked at wealth holdings among Americans in their late 60s. And one …

A failure to communicate

If you first learned how to think about saving and investing as I did, from a passbook savings account, bond funds can seem like a world turned upside down. I was reminded of this a few days ago when an …

Early in your career? Consider a Roth

Here at Vanguard, we’re in our busy season. As clients set New Year’s resolutions to save more and prep for submitting their taxes, we receive more phone calls and emails. There’s a tradition at Vanguard where employees from around the …

Your retirement plan in 2013

It’s early in 2013. Stocks had a terrific year in 2012, the fiscal cliff has been avoided—and so now’s the perfect time to reconsider your retirement plan, right?

Well, yes and no. Yes, tax time is a good time to …

Practicing what we preach

Anybody can give good advice. But taking the advice we give to others? That’s sometimes easier said than done.

For example, I could probably write the definitive guide to diet and exercise. It would be informative and inspiring, full of …

Give me the simple life

A colleague sent me a link to “The Juggle,” a Wall Street Journal blog that explores “the choices and trade-offs people make as they juggle work and family.”

The topic was financial planning for “people too busy to plan,” and …

You’re right: For young savers, debt does matter

In several of my previous posts, I’ve touched on the importance of starting to save early. It’s a pretty easy case to make—having the benefit of a long time horizon can make a substantial difference in what you can amass …

Too gloomy a view

Retirement systems are dynamic and can be expected to change over time. But one hindrance to thinking about change is the common practice of promoting excessively gloomy views of retirement outcomes in the United States. For example, a recent New

Building new habits on top of old ones

I’m not one to pore over the newest self-help book. After reading All I Really Need To Know I Learned In Kindergarten, I figured everything that could and should be said had been. But I do fervently believe that …

Wealth implosion 2007-2010

The headline is dramatic. For the typical American household, net worth is down 39% from 2007 to 2010. That puts net worth for the typical household back where it was in the early 1990s. This data is from the Federal …

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