Latest Investing & Retirement
![interest rate impact](https://i0.wp.com/clark.com/wp-content/uploads/2022/05/dreamstime_xxl_58933866.jpg?resize=480%2C480&ssl=1)
With the Federal Reserve eager to tamp down inflation, the period of historically low interest rates in the United States…
![Should Retirees Be Nervous About the Stock Market Right Now?](https://i0.wp.com/clark.com/wp-content/uploads/2022/05/stock-market-money-coins-e1651873607580.jpg?resize=480%2C480&ssl=1)
EVERY MARKET DECLINEis different, but all of them can feel unnerving, even for the most steadfast of investors. Spooked by…
![Is a recession coming in the United States?](https://i0.wp.com/clark.com/wp-content/uploads/2022/05/dreamstime_xxl_138931171.jpg?resize=480%2C480&ssl=1)
It's possible that we're headed for a recession in the United States right now. However, that may not mean what…
![Traditional vs. Roth: A Quick Answer for Your Investments](https://i0.wp.com/clark.com/wp-content/uploads/2022/04/dreamstime_xxl_135970477-2.jpg?resize=480%2C480&ssl=1)
Choosing between a traditional and Roth 401(k) or IRA means sifting through a number of variables. But if you have…
![You can buy treasury bonds just like countries, Wall Street firms and wealthy individuals.](https://i0.wp.com/clark.com/wp-content/uploads/2022/05/dreamstime_xxl_346852.jpg?resize=480%2C480&ssl=1)
If you're a saver, you've been punished for years with terrible interest rates on your savings account, CDs or money…
![What Is a Spousal IRA and What Are the Rules?](https://i0.wp.com/clark.com/wp-content/uploads/2022/03/dreamstime_xxl_213937028.jpg?resize=480%2C480&ssl=1)
Did you know you can put aside thousands of dollars toward retirement each year through a spousal IRA even if…
![Why You Should Never Invest With a Bank](https://i0.wp.com/clark.com/wp-content/uploads/2022/03/dreamstime_xxl_1491390711.jpg?resize=480%2C480&ssl=1)
Earning interest on loans and charging fees for things such as overdrafts aren't the only way that banks make money.…
![Best Investments in 2022: Risks and Rewards for Popular Investment Choices](https://i0.wp.com/clark.com/wp-content/uploads/2022/02/dreamstime_xxl_31422104.jpg?resize=480%2C480&ssl=1)
Having money beyond your day-to-day needs is great. It means that you can save and invest. It also means that…
![When Should You Pay Off Your Mortgage Instead of Investing?](https://i0.wp.com/clark.com/wp-content/uploads/2022/02/dreamstime_xxl_2321956462.jpg?resize=480%2C480&ssl=1)
Should you pay down your mortgage beyond the minimum or invest instead? If you're among the 85 million American individuals…
![When You Should (and Shouldn’t) Use a 529 Plan](https://i0.wp.com/clark.com/wp-content/uploads/2022/02/dreamstime_xxl_59571422.jpg?resize=480%2C480&ssl=1)
It's a natural inclination for parents to start thinking about a child's education as soon as their baby is born.…
![StockSelloff (2)](https://i0.wp.com/clark.com/wp-content/uploads/2020/03/StockSelloff-2.jpg?resize=480%2C480&ssl=1)
The stock market is incredibly difficult to predict in the short term. The market will decline on plenty of days,…
![Why This Retiree Isn’t Afraid To Spend Money](https://i0.wp.com/clark.com/wp-content/uploads/2022/02/retirement-savings-jar-e1645040384600.jpg?resize=480%2C480&ssl=1)
THE DRUMBEATof “retirement crisis” is much too loud. While 54% of retirees believe there’s a national retirement crisis, just 4%describetheir…
![Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year?](https://i0.wp.com/clark.com/wp-content/uploads/2022/01/dreamstime_xxl_58798068.jpg?resize=480%2C480&ssl=1)
Saving for your retirement through one of the tax-advantaged tools available in the United States offers you a major financial…
![Why a Financial Analyst Switched to a “Do-Nothing” Investment Strategy](https://i0.wp.com/clark.com/wp-content/uploads/2021/03/Growing-investments-financial-advisor.jpg?resize=480%2C480&ssl=1)
I ONCE JOINEDa book club led by an amazingly smart guy. We were reading a challenging book by Nassim NicholasTaleb,…
![There’s Still Time To Contribute To Your IRA for 2021](https://i0.wp.com/clark.com/wp-content/uploads/2022/01/dreamstime_xxl_118673399.jpg?resize=480%2C480&ssl=1)
There's still time to contribute to your Individual Retirement Account (IRA) for 2021. The tax year ended on Dec. 31,…
![A Retiree Shares His 5 Best Money Moves in Retirement](https://i0.wp.com/clark.com/wp-content/uploads/2022/01/couple-on-beach-retirement-e1642602279444.jpg?resize=480%2C480&ssl=1)
WHEN FOLKS TALKabout their best financial decisions, they’ll often mention the investments they bought. But my list is quite different.…
![10 Cities Where Your Social Security Check Can Cover Housing Costs](https://i0.wp.com/clark.com/wp-content/uploads/2019/07/Senior-couple-looking-at-house.jpg?resize=480%2C480&ssl=1)
People considering retirement often worry about when to do it -- especially if they're concerned the money they've saved and…
![How To Turn $500 a Year Into $100,000 in Retirement](https://i0.wp.com/clark.com/wp-content/uploads/2021/12/dreamstime_xxl_65328715.jpg?resize=480%2C480&ssl=1)
Earning a giant pile of money is one way to prepare for retirement. But it's not realistic for everyone. Fortunately,…
![Social Security Cost-of-Living Adjustment for 2022 Is 5.9%](https://i0.wp.com/clark.com/wp-content/uploads/2021/08/Social-Security-payments.jpg?resize=480%2C480&ssl=1)
Have you seen an increase in your Social Security check yet? In October 2021, the Social Security Administration (SSA) announced…
![Are You Investing or Gambling?](https://i0.wp.com/clark.com/wp-content/uploads/2021/12/Invest-gamble.jpg?resize=480%2C480&ssl=1)
MANY TIMES IN MYcareer, I’ve heard people say, “The stock market is just one big casino” or “Buying stocks is…
![Ask Clark money column](https://i0.wp.com/clark.com/wp-content/uploads/2021/01/Ask-Clark-money-tips-from-Clark-Howard-Podcast.png?resize=480%2C480&ssl=1)
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. Should I Buy More…
![Why I Decided To Stop Obsessing Over My Investment Portfolio](https://i0.wp.com/clark.com/wp-content/uploads/2021/12/investment-portfolio.jpg?resize=480%2C480&ssl=1)
TWO MONTHS AGO,Ifessed upto my addiction to financial market news. Despite knowing better, I’ve followed the markets closely for years…
![4 Questions To Ask Yourself Before Retiring Early](https://i0.wp.com/clark.com/wp-content/uploads/2021/12/Early-retirement.jpg?resize=480%2C480&ssl=1)
I RECENTLY LEFT MYjob without having another lined up. Upon quitting, I noticed an immediate mindset shift: I went from…
![Unusual temporary inflation usually isn't that bad for the economy, although retirees relying on social security can get hurt.](https://i0.wp.com/clark.com/wp-content/uploads/2021/06/dreamstime_xxl_89192351-1.jpg?resize=480%2C480&ssl=1)
Inflation rose to 6.2% in October, the highest level that United States consumers have experienced since 1990. Since inflation erodes…
![Are Women Better Investors Than Men?](https://i0.wp.com/clark.com/wp-content/uploads/2021/11/dreamstime_xxl_171941637-1.jpg?resize=480%2C480&ssl=1)
Close your eyes and picture the person in your life you'd ask if you needed investment advice. If that person…
![The IRS increased the max 401(k) contribution for 2022 to $20,500.](https://i0.wp.com/clark.com/wp-content/uploads/2021/11/dreamstime_xxl_121337709-1.jpg?resize=480%2C480&ssl=1)
The Internal Revenue Service has announced that individuals will be allowed to contribute up to $20,500 to their 401(k) plans…
![The 5 Big Mistakes This Career-Long Banker Made in Retirement](https://i0.wp.com/clark.com/wp-content/uploads/2021/10/Eraser-on-cash.jpg?resize=480%2C480&ssl=1)
IT’S EMBARRASSINGto admit in a public forum that I failed at retirement. But I’m doing so—because I think people can…
![Is 65 the Best Age To Retire?](https://i0.wp.com/clark.com/wp-content/uploads/2021/10/Birthday-cake-65-candles.jpg?resize=480%2C480&ssl=1)
ONE OF THE VERYbest financial decisions is available to almost every American worker. That’s the good news. The bad news:…
![#1 investment mistake to avoid](https://i0.wp.com/clark.com/wp-content/uploads/2019/05/InvestmentMistake.jpg?resize=480%2C400&ssl=1)
When opening an investment account such as a traditional or Roth IRA, there's a common mistake people make that could…
![Ask Clark money column](https://i0.wp.com/clark.com/wp-content/uploads/2021/01/Ask-Clark-money-tips-from-Clark-Howard-Podcast.png?resize=480%2C480&ssl=1)
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. If I Wait To…