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Many people have come to see IRAs as a place to park money rather than as a savings vehicle that needs regular, new contributions. Most IRAs are initially established with money that is rolled over from a 401(k) when a worker changes jobs or retires.  (more…)

When we first start a professional job and HR hands over that big binder full of information on your 401(k), taxes, rules and regulations of the company and things of that sort, you get flustered and you feel like your brain is going to explode. Well, at least I did when I was in my early 20’s.  (more…)