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Tag: Goal Planning

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When is the best time to claim Social Security?

  • Posted on July 28, 2023July 29, 2023
  • by BrightDime

Most of us have a vague idea of how Social Security works, or at least we’ve seen that money comes out of our paychecks for it. The basic idea is…

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The Truth About How Much House You Can Afford

  • Posted on July 14, 2023July 14, 2023
  • by BrightDime

Buying a home is a big decision, and one of the most often overlooked steps is to figure out your price range. It’s exciting to scroll through Zillow and check…

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Budget Doesn’t have to Be a Bad Word

  • Posted on May 5, 2023May 5, 2023
  • by BrightDime

The word “budget” is usually associated with restrictions. Like “dieting” it’s associated with cutting back, or depriving yourself of something. But we think that’s the wrong way to think about…

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What can you do with a 401(k) from a previous job?

  • Posted on March 19, 2022
  • by BrightDime

If you leave a job where you had a 401(k) you’re faced with a decision: what do you do with the 401(k) account at your old job? The money in…

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What is a rollover IRA?

  • Posted on March 12, 2022November 9, 2022
  • by BrightDime

A rollover IRA is an Individual Retirement Account that is funded by closing a 401(k) (or similar account) at a previous job and moving those funds to the new individual…

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What does “vesting” mean?

  • Posted on March 4, 2022March 4, 2022
  • by BrightDime

Vesting refers to the process of a financial benefit becoming yours over time. The most common example is a 401(k) match. (There are other types of compensation that might vest,…

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What does it mean if my company offers a 401(k) match?

  • Posted on February 25, 2022February 25, 2022
  • by BrightDime

When you contribute to a 401(k) you put your own money in, called a contribution. That contribution is made with pre-tax dollars, invested within the 401(k) account, and grows tax-deferred…

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What happens to my 401(k) if I leave my job?

  • Posted on February 19, 2022March 4, 2022
  • by BrightDime

A 401(k) is an employer sponsored, tax advantaged account for saving and investing for retirement. You contribute pre-tax dollars to it, invest that money, and then withdraw the money in…

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Which type of IRA should I contribute to?
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Which type of IRA should I contribute to?

  • Posted on January 16, 2021July 26, 2022
  • by BrightDime

IRA’s, or Individual Retirement Accounts, are tax advantaged accounts for saving and long term investing for retirement. The two most common types are Roth and traditional. You can make contributions…

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What’s the difference between a Roth and traditional IRA?
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What’s the difference between a Roth and traditional IRA?

  • Posted on January 12, 2021July 26, 2022
  • by BrightDime

An IRA (or Individual Retirement Account) is a tax advantaged account for saving and investing for your retirement. IRAs are not connected to your employer like a 401(k) is and…

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