I suppose I could be nicer about it, but at your age, a lot of people have already been nice about it. Where has that gotten you? You continue to take more time spending money than you do saving it, and your investments and pensions are a shambles. Worse, you spend enough money on binge [...]
Retirement accounts are touted as the greatest thing to have for security once you stop working. Since many of them are guaranteed, or at least provide relatively stable returns, the money is guaranteed to be there when you need it. Unfortunately they all aren’t created equal, and many times you’re not getting what you think. [...]