Carnival of Retirement #88

Retirement planning

Welcome to the 88th edition of the Carnival of Retirement. Included in today’s carnival are some of the best blog posts on the web related to retirement. If you’d like to submit to a future carnival, you can do so here. If you’re article was included in the Carnival of Retirement, please remember to link back to the carnival host within the next few weeks.


Kyle @ The Penny Hoarder writes Are You Making This Budgeting Mistake? – If you’re like many Americans, you sit down every month and make a rough budget. You estimate how much money will be coming in, and you write down what you will do with that money. Perhaps, like many Americans, when the end of the month comes, you find yourself looking at a negative number.

Tushar @ Finance TUBE writes 3 Tips To Prepare Your Family For Cost of Aging – Admitting that your loved one is getting older is hard but not as hard to figure out our family will afford the overwhelming cost associated with aging. From hospital care to doctor’s visits, caring for your loved one Here are three tips how to financially prepare: Firstly learn more about financial planning.

Luke @ Learn Bonds writes Why The Recent Drop In Interest Rates May Not Be What You Think – The factors that contributed to Wednesdays drop in Treasury yield may have more to do than just the Fed and quantitative easing.

Hank @ Money Q&A writes Are You Losing The Financial Game Of Life? – Are you losing in the financial game of life? If you answered yes, you’re not alone. In 2008, 1 in 10 workers were made redundant.

Jacob @ AllPersonalFinance writes Tax Season Is Around the Corner: Six Things To Do Today To Prepare – Many people do not start thinking about their taxes until April 15 approaches. However, it is never too early to start preparing for the next tax season. Preparing early can help you save a lot of time and stress. Read about these six tips that will help you prepare for tax season!

Tushar @ Start Investing Money writes Saving From a Young Age – There is a big difference between saving on behalf of your kids and teaching them good savings habits so they can start saving on their own. Many parents want to put something away for their children’s future – perhaps to help them through college for example.

Cindy @ MidLife Finance writes Should You Keep A Second Car – Or Not? – Should we keep both? For that matter, if you belong to a two-worker household, should you?

Wayne @ Young Family Finance writes Minding Your Business: What Type of Corporation are You? – Is your business a nonprofit, sole proprietorship, or corporation? If you’re starting a business, it could be important! Find out here.

krantcents @ KrantCents writes Do You Plan or Plan to Fail? – I plan because I do not plan to fail! If you have goals, you need a plan to make it happen. A budget is a form of a plan. Why budget? A budget is supposed to help you achieve your financial goals.

Roger the Amateur Financier @ The Amateur Financier writes 4 Sources of Income in Retirement – A guide to several sources of income during retirement, including social security, pensions, personal savings and investments, and working part-time,

Lindy @ Minting Nickels writes When Is The Ideal Time To Buy Gold? – Gold is often thought of as the ultimate symbol of wealth. People have been chasing it forever, and wars have been fought over it.

Ryan @ Cash Money Life writes Income vs Wealth – And What it Means For You – There is a big distinction when comparing income vs wealth. Income is how much you earn, wealth is how much you keep. Make your money work for you.

Dividend Growth Investor @ Dividend Growth Investor writes Long Term Dividend Growth Investing – The only thing that is constant in life is change. The world of dividend investing closely follows this eternal truth as well.

Mr. Utopia @ Personal Finance Utopia writes Are Financial Planners Worth It? – Using a Financial Planner to guide or manage your investments has pros and cons. Find out if a Financial Planner is right for you.

Michael Kitces @ Nerd’s Eye View writes Should Equity Exposure Decrease In Retirement, Or Is A Rising Equity Glidepath Actually Better? – The traditional retirement wisdom has been that as retirees age, their exposure to equities and other risky assets should decrease. Yet recent research finds that perhaps the optimal “glidepath” is actually the exact opposite – that retirees should actually start with less in equities, and increase it as they age!

Justin @ Root Of Good writes One Month Into My Early Retirement Adventure! – Yesterday marked the one month anniversary of my early retirement. Where did the time go? Why did I not accomplish more? It seems like just yesterday I was working, yet it also seems like an eternity ago.

Danielle @ Saving Without a Budget writes Is your 401(k) Plan Going to Be Enough? – The fact that many employers have matching programs that match the funds that a person puts into their 401(k) yearly is one of the big reasons that many people like them as well as the fact that the money deposited into 401(k) accounts is protected from taxes.

Robert @ Cult Of Money writes Just How Far Do Life Insurance Scams Go? – When you’re dealing with large sums of money like life insurance – hundreds of thousands, or even millions – the truly insane attempts at fraud tend to come out of the woodwork. Life insurance companies have seen it all – to quote Cuba Gooding Jr. from “Jerry Maguire”, “they’ve been the puppet show and they’ve seen the strings!”

Matt Becker @ Mom and Dad Money writes Roth IRA as an Emergency Fund – Is it a Good Idea? – The concept of using your Roth IRA as an emergency fund is one I find incredibly interesting, mostly because of the mental or behavioral considerations. From a purely technical standpoint, it can make a lot of sense. But from a behavioral standpoint, it can be dangerous when you start mixing your retirement savings with other purposes. Today I’d like to explore some of the strengths and weaknesses of taking this approach.

Adam @ Money Rebound writes The Mistakes That Stop Your Savings Account from Building Up – Want to know which habits can cost you money in the long run? Well, it’s time to break loose from them.

Brian @ Luke1428 @ Luke1428 writes What’s More Valuable: Short or Long-Term Goals? – Goals provide us with a target to shoot for. Some are short term, others take longer. Which ones are more valuable? The answer shouldn’t surprise you.

J Rodriguez @ Modest Money writes Is My Free Savings Account Costing Me Anything? – Many banks boast of free savings accounts. Once you look at the underlying costs of maintaining this accounts and factor in inflation, their “free nature” stops looking so free!

Paul @ The Frugal Toad @ The Frugal Toad writes Health Savings Accounts: The Benefits And Possible Retirement Options – Have you heard of the health savings account (HSA)? These accounts have been gaining steam as of late and there are a few reasons why. Before I get into why many people have been opening HSAs, let me explain what they are.

John @ FRUGAL RULES writes Has an Uncertain Stock Market Derailed Your Investment Plan? – If you’ve been following the news the past few weeks it has made it difficult to know what to do with your investment portfolio. The fact is there is always something going on in the news and the best thing is to focus on your investing goals and continue to work on building wealth and growing your retirement portfolio.

Pauline @ Make Money Your Way writes How to Identify the Short Term Market Peak – This post will show you how to recognize the short term market peak when it happens.

Pauline @ Reach Financial Independence writes The case for earning more – On the earn more, spend less equation, I strongly stand on the earn more side, because spending less is finite.

Grayson @ Debt Roundup writes When Opportunity Knocks – I had an opportunity to score a new to me Jeep Wrangler. I thought about it and ended up getting a used auto loan. There are some reasons why and I lay them out here.

DPF @ Digital Personal Finance writes 3 Questions to Ask When Aiming For Financial Success – When working toward building a nest egg for retirement, it’s important to understand if we’re on track. This entails asking the right questions, as discussed in this post

Lazy Man @ Lazy Man and Money writes Devil’s Advocate: Give Me a Stock Market Crash – I’m going to make a devil’s advocate request for a stock market crash. Why on earth would I do such a mean and crazy thing like that? I want to buy stocks on sale.

Little House @ Little House in the Valley writes Every Penny Counts: Saving Money on Everyday Finances – We’ve been taking a hard look at our monthly bills and everyday finances and have been able to find ways to save money.

Jon @ Novel Investor writes Roth IRA Rules: Everything You Need To Know – The Roth IRA has its advantages. But is it a good fit for you? This guide covers everything you need to know about the Roth IRA rules and more.

Alexa @ Single Moms Income writes Tips from an Insurance Agent: How to Really Save Money on Insurance – I have been an insurance agent for a little over a year now. Even though I sometimes complain about my job, I promise you, I know personal lines insurance like the back of my hand.

Dividend Growth Investor @ Dividend Growth Investor writes Do not despise the days of small beginnings – In this article I argue why it is important to start investing, even if you have small initial amounts of funds to invest. The most important thing about investing is simply to get started.

Anton Ivanov @ Dreams Cash True writes The Best Finance Books of All Time – This list of the best finance books is a great place to start learning more about personal finance and investing. There is so much to learn from these 10 awesome books!



Photo courtesy of: Tax Credits

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I'm the founder of Frugal Rules, a Dad, husband and veteran of the financial services industry. I'm passionate about helping people learn from my mistakes so that they can enjoy the freedom that comes from living frugally. I'm also a freelance writer, and regularly contribute to GoBankingRates, Investopedia, Lending Tree and more. If you're wanting to learn how to monetize your blog, check out my blog coaching services to see how I can help you take your site to the next level.


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