Jean Chatzky
Jean Chatzky
Jean Sherman Chatzkyis an American financial journalist, author and motivational speaker. Chatzky has given personal financial advice on various TV shows. She is the financial editor for NBC's Today Show...
NationalityAmerican
ProfessionJournalist
Date of Birth7 November 1964
CountryUnited States of America
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Use visual cues to prompt yourself to put away more. A photograph of the beach house where you and your husband can envision spending your retirement will remind you to bump up the contribution to your 401(k); a snapshot of your child in a college sweatshirt can encourage you to put more into a 529 college savings plan.
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Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term care insurance - which protects you from spending that nest egg too fast - takes over.
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You won't be caught off guard and you won't feel guilty, because you'll be spending money that you've allocated for the occasion.
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Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.
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Whether it's fly-fishing, taking your camper to the Everglades, or just traveling, everyone has got a little retirement dream.
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Whether you're replacing one appliance that's seen better days, or many because you're moving or renovating, you probably know to look for the Energy Star label. That's good advice.
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Our culture highlights the desire to always have more, even when we should be grateful for what we have.
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Resilience isn't a single skill. It's a variety of skills and coping mechanisms. To bounce back from bumps in the road as well as failures, you should focus on emphasizing the positive.
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Joining finances can be tricky. Money has long topped the list of topics couples fight about.
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July is high burglary season because so many people leave town. To help avoid making that obvious, suspend your newspaper subscription and have your mail held. Another clear indication is if all your lights are off for an extended period. To fix that, you can buy a timer for about $30.
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Just because someone will lend money to you doesn't mean you should borrow it.
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Knowing where you stand in your quest to accumulate enough money for retirement is an incredibly important part of the planning process.
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You'll get the biggest bang for each buck by paying off the highest interest rate debt in your portfolio first, while making minimum payments on the remainder. It's called the avalanche method, and it gets you out of debt cheapest and fastest.
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Wills are trumped by legal titles to real estate or beneficiary designations on financial accounts, retirement plans and insurance policies.