Permanent versus term life insurance

“I already have a term life insurance policy through work that will pay triple my salary if anything happens to me. I really don’t need anymore than that, right?” The simple answer is, you only need that term insurance policy if you don’t plan to outlive your employment. That policy only covers you for the…

Is it too late to start saving?

“I’m not that far from retirement and I’ve still got some debt. I don’t have a lot of savings, but I have some. I don’t know if I have enough time left to save now.” It really is never too late to start saving. It just takes planning and the right savings options. Sure hindsight…