When should I buy a Home?
Buying a home is a major financial decision influenced by interest rates, housing prices, and your personal readiness. While market timing matters, the best time to buy is when you're financially prepared—debt-free, with a full emergency fund, and savings for a down payment. Follow Dave Ramsey’s Baby Steps and consider your long-term goals. For personalized guidance, speak with a Whitaker-Myers financial advisor today.
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Baby Step 4 Savings Explained
Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401(k), Roth IRA, or taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.
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Don’t Play ‘Retirement Roulette’
Sequence of return risk—the timing of investment returns near retirement—can significantly impact portfolio longevity. Losses early in retirement are far more damaging than losses later. Investors approaching the “Retirement Red Zone” should reduce risk exposure and consider tools like income annuities, buffer assets, and diversified portfolios. A trusted financial advisor can help build a plan to retire with confidence and stability.
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How To Start Saving as a Young Adult
Starting your financial journey as a young adult begins with building a budget and following Dave Ramsey’s Baby Steps—starting with a $1,000 emergency fund and progressing toward saving 15% for retirement. Use a money market fund for emergency savings and take advantage of employer retirement plans and Roth IRAs for long-term growth. The earlier you start, the better. For personalized help, connect with a Whitaker-Myers Wealth Managers financial advisor today.
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Health Savings Accounts: Maximizing Eligible Expenses and Strategic Tax Planning
Health Savings Accounts can be used to save money on taxes and provide strategic tax planning for higher income years.
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Why Make Backdoor Roth IRA Contributions?
So many terms in the financial industry seem mysterious and confusing, and some even sound completely made up. The Backdoor Roth IRA...
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Additional Types of Insurance for Families and Individuals to Consider
Basic Insurance In addition to health, home, umbrella, and auto insurance, each family and most individuals should consider a few other...
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Can I be a Millionaire?
Is Becoming a Millionaire in My Future? Let’s start with real-world facts: most people like the sound and appeal of being a millionaire....
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HENRY - High earners, not rich yet
What is a HENRY? The acronym HENRY, "high earner, not rich yet," encapsulates a demographic segment often associated with millennials...
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Baby Step Motivation
A Quick Backstory People told me growing up that I needed debt in my life and that debt was good. “I can’t get a mortgage without a...
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Are You Ready to get back on track with your goals?
The start of a new year often brings self-reflection for many people as they create their New Year’s resolutions. Although New Year’s...
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Getting Out of Debt
Some of us reading this article may have been in debt at some point in our lives. It is a frightful, burdensome, overwhelming feeling...
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