How much stuff do you have?

How much stuff do you have?     Every wonder that?  Well, the LA times did quantify that number.  Can you guess what it is? 300,000!  Yes, that is right. The average U.S. household has 300,000 items in it.  From paperclips to cars and everything in between. I started to think about my house, do

Investing is a marathon not a sprint

Investing is a marathon not a sprint A few weeks ago I was fortunate to complete the Chicago Marathon.  That experience, while great from a running standpoint, got me thinking about the lengthy journey towards retirement.  We hear all the time that Americans have short attention spans that are getting shorter all the time. We

CD Ladder

Amazing benefits of the CD ladder A reader writes in about what to do with some excess savings beyond their emergency fund.  When I questioned them about what this money is for and how long till they anticipate to use/need it, they stated they are very conservative and are just looking for something simple but

Should I count my employer match

Question:  A reader writes in wondering if they should count their 401k match their employer gives them as part of the recommended 15% savings rate!   To do or not to do that is the question.  Okay, a little play with words on Shakespeare’s Hamlet.  But in all serious should you count the match as