Ask Chuck: Should We Use Our Retirement Funds to Get through a Tight Spot?

Dear Chuck, My husband’s sales job has not produced good income since the pandemic. We’re in our early 60s, have $10,000 in a savings account, $25,000 in our 401(k), a paid-off home, and no debt. We’ve considered downsizing. Do you advise drawing down on our 401(k) now?  Managing Cash Flow    Dear Managing Cash Flow, […]

Ask Chuck: Fail-Proof Financial Resolutions

Dear Chuck, I dread making financial resolutions every new year because I usually fail at keeping them. Can you offer any simple tips to help me manage money better this year? Something that’s fail-proof? Fail-Proof Financial Resolutions    Dear Fail-Proof Financial Resolutions,  First, Happy New Year! It is always exciting to me to roll the […]

Ask Chuck: Giving to Eliminate the After-Christmas Blues

Dear Chuck, I have the After-Christmas Blues. My joy gets packed away with all the Christmas decorations. How can I carry the joy of Christmas into next year? After-Christmas Blues    Dear After-Christmas Blues,  It is not uncommon for people to experience depressing thoughts after Christmas. Not only are the beautiful decorations packed away but […]

Ask Chuck: Help My Financial Anxiety!

Dear Chuck, My husband and I are both working adults. With 3 kids at home and trying to care for some extended family here and abroad, I am increasingly struggling with financial anxiety. Now the holiday pressures are making it worse. Please help me deal with this!  Family Financial Stress   Dear Family Financial Stress, […]

Ask Chuck: Christmas Shopping on a Budget

Dear Chuck, Money is tight for Christmas this year. Any tips for shopping Black Friday and Cyber Monday sales? Looking for Deals    Dear Looking for Deals,  You can search for articles pointing you to the “best deals” on Black Friday or Cyber Monday, but be aware that many of those articles are really just […]

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