Smart Money Tip

Whether you have a 401K at work or not, you can contribute to a Roth IRA each year as long as you meet the income limits. The Roth IRA is great because it allows you to contribute after tax dollars and allows those contributions to grow tax free. If you think your tax rate will be higher in retirement, this is a smart move.

Let’s talk goal-setting. I think written, SMART goals are the way to go versus the more arbitrary goals like “save more” and “have less debt”.

Proper money management is a language you never stop learning. It’s important to regularly consume information to keep you motivated and intentional.

Whether it’s debt on a credit card, a car loan, student loans, or your mortgage, making an efficient plan to tackle debt doesn’t happen on it’s own. It takes self-discipline and a game plan!