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What If You Overcontribute to a 401(k) or IRA?

44 Responses to “What If You Overcontribute to a 401(k) or IRA?” Joseph Fay August 27, 2019 I diligently upped my 401k contribution to 10% this year, (with a 3%+3% match from my employer).

Actived: Tuesday Aug 21, 2018

URL: https://www.doughroller.net/retirement-planning/happens-contribute-401k/

Should You Pay Off Your Mortgage Early | 6 Pros and Cons

It's a common question--should you pay off your mortgage early? Here are 5 reasons it may be a mistake, and one reason it's a great idea.

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Should You Ever Pay Off The Mortgage On Your Rental

If you’re considering whether to pay off the mortgage on your rental property early, you’ve got some thinking to do. It will all depend upon your personal circumstances. You should take into

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6 Reasons to Pay Cash for a Car (and how to actually do it)

DoughRoller » Personal Finance » DR 141-6 Reasons to Pay Cash for a Car (and how to actually do it) The balance of the loan is a little over $32,000 and I am also paying off credit card debt

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How to Get Rid of PMI: 5 Options to Check Out

How to Get Rid of PMI. Kevin Mercadante January 29, 2019. Removing PMI would cost ~$450 for the appraisal but would save me about $9k from now until it drops off automatically.

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15 vs 30 Year Mortgage: The Pros and Cons of Each

In my case, I started with a 30-year mortgage at 11.5% (back in the early 1980s when that was a pretty good interest rate!), refinanced at an 8% 15-year mortgage later and paid it off in seven

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Is the 50/20/30 Rule the Best Way to Budget Your Money?

One approach to creating a budget is the 50/20/30 rule. In this article we cover this method to managing your money and how to apply it to your finances. When I came off the road, and first

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Should You Take a Lump Sum Payment for Your Pension?

A lump sum payout can also be an opportunity to eliminate debt that might otherwise take longer to pay off. For some people, preparing for retirement is all about reducing your expenses. One way

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Should You Refinance from a 30-Year to a 15-Year Mortgage?

Should you refinance from a 30 to 15 year mortgage? The answer might seem obvious. Why not take a lower rate and pay off your mortgage faster? But hold up a second. There’s more to the equation

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Should You Max Out Your 401k Early in the Year?

Should You Max Out Your 401k Early in the Year? I’ve got cash accounts with plenty of income to live off, which is being taxed anyhow, so why not defer tax on salary? Other considerations

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Dave Ramsey Baby Step 4: A Guide to Saving 15% for Retirement

In this article we break down the Dave Ramsey Baby Step 4 with a visual guide showing the outcome of saving 15% in a Roth 401(k) for retirement.

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How to Keep One-Time Expenses from Breaking the Budget

One-time expenses can wreck your monthly budget. In this guide, we walk through how you can prepare for those surprise expenditures with peace of mind. One-off expenses like these are some of

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401k Layoff Trap | How to Repay a 401k Loan

Using your credit card to pay off the 401k loan is a high-risk strategy. You’ll probably pay a higher interest rate. And, you’ll also need to keep making payments even if your income has dried

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Changing Jobs? Should You Borrow to Repay a 401k Loan?

Changing jobs can be exciting. But what if you have a 401k loan? This article looks at whether you should borrow money to repay a 401(k) loan when you change jobs?

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Should You Pay Off Your Mortgage or Invest for Retirement?

I magine you’ve just inherited some money. The amount just happens to match the outstanding balance on your mortgage. Now you have a decision. Do you pay off the mortgage or invest the money for

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Fixer Upper: 4 Ways to Pay for a Home Remodel

If you have some equity built up in your home and can pay off the cost of your renovations within a few years, a HELOC might be a good option for you. One Response to “Fixer Upper: 4 Ways to

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Can You Really Pay Off Your Mortgage Early with a HELOC?

The HELOC strategy says you can pay off your mortgage early in just a few years. But will it really work? Check out one author's opinion.

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Should You Sell Investments to Pay Off Credit Card Debt?

Should you ever sell investments to pay off debt? That’s the question I’m facing right now. I have about $40,000 on 0% balance transfer credit cards where the introductory rate will soon expire.

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Pay Off Your Mortgage Before You Retire | The Pros and Cons

The sooner you can pay off your mortgage, the more money you will have available to save for retirement. And with early retirement that’s even more important. Once your mortgage is paid, you can

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Uber vs. Lyft: Who Pays Drivers the Most Money

Uber vs. Lyft: Who Pays Drivers the Most Money. I receive only .05¢ off on fuel which the offer is the same for general public non employees.anyone is offered this.. no perks there..

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The Pros and Cons of After-Tax 401k Contributions

Most employers don't off after-tax 401(k) contributions. If they do, these contributions can be a great way to get more for your retirement buck!

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Can You Pay a Credit Card with a Credit Card? Yes, and

Can you pay a credit card with a credit card? The short answer is yes. But if you're not careful, it can cost a lot of money. Here's how to do it for free.

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Mortgage Refinance to Pay Off Debt: 6 Things You Need to Know

If you're looking to do a mortgage refinance to pay off debt, there's a lot to consider. Here are 6 critical things you need to know before doing this.

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401k vs IRA: What Is the Best Account Type for Retirement?

Not all of us have the money to max out both a 401k and an IRA. Check out our complete 401k vs IRA breakdown to find out which is best for you, right here.

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How to Get Out of a Car Lease: 4 Techniques to Use

If you're wondering how to get out of a car lease, know that it's not always easy or a financially smart move. This article gives you everything to know. First off, though, do your best to

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Personal Capital vs. Mint - Which is Best to Manage Your

This will help you to create goals in certain areas of your financial life, such as saving money, paying off debt, or saving for retirement. They provide tools to enable you to establish your

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What Percentage Of Your Income Do You Really Need In

What Percentage Of Your Income Do You Really Need In Retirement? if you expect to have your mortgage paid off and your kids educations done and paid for by the time you retire, you can

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How to Turn Mistakes into Opportunities (a real life example)

How to Turn Mistakes into Opportunities (a real life example) However, she has paid off some principal on the loan, not principle (although we all agree that, in principle, it is a good idea

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How to Make a 30-Year Mortgage Just as Smart as a 15-Year

In the 30 year vs 15 year mortgage debate, 15 always seems to win. But you can make your 30 year note just as smart, and even pay it off early. Here's how.

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Credit Karma vs Credit Sesame vs Quizzle - A Side-by-Side

Join us as we compare the unique features of the three best online credit score tools in this 'Credit Karma vs Credit Sesame vs Quizzle' roundup. Even though they are typically off with

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Tax Deductions for Employees who Work from Home

Tax Deductions for Employees who Work from Home. I am wondering will he be able to write off some expenses he incurs while working from home such as internet, phone etc.

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Which FICO Scores Do Mortgage Lenders Use?

With dozens of variations of FICO credit scores, which FICO scores do mortgage lenders use? We have the answer, along with how to check your credit score.

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When Not To File and Auto Insurance Claim

Even though you've been in a car accident, it's not always a wise idea to file an auto insurance claim. Here are a few reasons why. Filing a claim might get you off the hook for paying for

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8 Tips and Tricks to Save Money on Travel

You don't have to spend a fortune every time you travel. Instead, use our list of 8 tips and tricks to save money while you explore the world.

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Should I Take Out a Home Equity Loan in Retirement?

If you've asked yourself 'should I take out a home equity loan in retirement?' you might want to rethink that strategy. Here's what you should know.

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How Does Marriage Affect Your Credit Score? A Complete Guide

When the account is paid off or written off, the most likely option is that the credit card company will close the account. Then, it will likely show up as closed on your credit report. If the

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Best Jumbo CD Rates - The Dough Roller

A Jumbo CD requires a minimum investment of $100,000. In exchange, banks should pay higher interest rates. But do they? Here's how to find the best Jumbo CD Rates.

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Compare the Best Credit Cards, Banks - Dough Roller

A personal finance and investing blog that helps you make more money, spend less, and invest the rest.

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Should you invest in a 401(k), a Roth IRA, or pay off

DoughRoller » Retirement Planning » Reader question: Should you invest in a 401(k), a Roth IRA, or pay off credit card debt?. Reader question: Should you invest in a 401(k), a Roth IRA, or pay

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Vanguard vs. Fidelity - Find out which one fits you best.

Each has its own robo advisor, for those who prefer hands-off investing. But Vanguard offers managed options through its emphasis on funds. Fidelity offers funds too, but they also provide several

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How Much Money Should You Put Down on a House?

How Much Money Should You Put Down on a House? They may pay off the mortgage before 11.5 years – There is a better than even chance that Kevin and his wife will either sell their home and

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18 Ways to Get Free Money From the Government

Normally the government takes our money. In some cases, however, it hands out cash. Here are 18 ways to get free money from the government. Nothing in life is free, or so they say.

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DR 039: Mutual Funds vs. ETFs--Does it Really Matter?

DR 039: Mutual Funds vs. ETFs–Does it Really Matter? If you were in my shoes just starting off would you invest in a portfolio that has diversified stocks or just purchase the VTSMX total

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5 COBRA Alternatives That Could Save You Money

I f you’ve ever been laid off or left your job voluntarily, you may have looked into COBRA. If so, you probably found that it would cost you a small fortune to continue your health insurance

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How to Get Out of Debt Fast | 23 Tips and Tools

23 powerful tips and tools to help you get out of debt fast. Be Realistic About Paying Off Debt: While we all want to get out of debt fast, we do have to be careful not to get too aggressive

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How to Buy a Car on eBay | 10 Steps - The Dough Roller

10 Simple steps to help you buy your next car or truck on eBay Motors without getting a lemon. 10 Simple steps to help you buy your next car or truck on eBay Motors without getting a lemon

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Everything You Need to Know About Flexible Spending Accounts

Everything You Need to Know About Flexible Spending Accounts. Abby Hayes March 29, 2016. Advertising Disclosure. you can often write off these expenses at the end of the year. But, an FSA for

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The 6 Secrets for Paying Off Student Loans Faster

P aying off student loans is easy with standard repayment or using other repayment plan options. But easy doesn’t mean better, and choosing to pay them with just minimum payments means you’ll

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How to Determine if a Rental Property is a Good Investment

DoughRoller » Real Estate Investing » The 1% Solution–How to Determine if a Rental Property is a Good Investment. The 1% Solution–How to Determine if a Rental Property is a Good Investment

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The Pros and Cons of Socially Responsible Investing

The Pros and Cons of Socially Responsible Investing. Building off of ERG funds are impact funds. These funds are all ERG funds, but place an equal focus on fund performance, whereas an ERG

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