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Wise Money Life

Wise Money Life

Helping Consumers Make Wiser Financial Decisions

Investing

preparing for retirement

What Is the 4% Rule in Investing and Is It Enough?

Last Updated May 16, 2023 Leave a Comment | Ad Disclosures | Editorial Disclosure

When it comes to planning for retirement, one commonly mentioned guideline is the 4% rule. It suggests that you can safely withdraw 4% of your investment portfolio each year during retirement without running out of money. This “guideline” has become increasingly popular with the FIRE (Financially Independent, Retire Early) movement. In this blog post, we[Read More]

Filed Under: Investing, Retirement Tagged With: Retirement

How to Start Building Your Portfolio Today

Last Updated February 23, 2023 Leave a Comment | Ad Disclosures | Editorial Disclosure

Making investments is an essential step in wealth building. However, the idea can be intimidating for first-time investors. A lot of factors influence your investment strategies. Despite the intricacies behind any investment venture, you can learn how to build an investment portfolio.  Here are a few tips on how to start investing  Know Your Risk[Read More]

Filed Under: Finances, Investing Tagged With: ETF, investments, savings, Stocks

saving for retirement basics to help get you there

Saving for Retirement: A Step-by-Step Guide for Beginners

Last Updated February 14, 2023 Leave a Comment | Ad Disclosures | Editorial Disclosure

About a quarter of working Americans have nothing saved for retirement. While retirement is often considered the light at the end of a tunnel, it can become a significant burden if you have no savings. To have a secure, fun, and comfortable retirement, you must develop a proper financial cushion. But saving for retirement can be overwhelming,[Read More]

Filed Under: Articles, Investing Tagged With: 401k, IRA, Retirement

compound interest

Top Robo-Advisors

Last Updated February 9, 2023 Leave a Comment | Ad Disclosures | Editorial Disclosure

With affordable fees and a wealth of service offerings, robo advisors have changed the investment landscape.  If you’re not using a robo advisor as part of your greater investment strategy, you’re missing out on a safe, affordable investment advisor. But how do you find the best robo advisor for you? Here’s what you need to[Read More]

Filed Under: Articles, Investing Tagged With: investments

retirement savings with Roth and Traditional IRAs

What’s the Difference Between a Traditional IRA and a Roth IRA?

Last Updated February 6, 2023 Leave a Comment | Ad Disclosures | Editorial Disclosure

Individual Retirement Accounts (IRAs) are retirement savings accounts that provide tax advantages on your contributions. Several types of IRA accounts exist, offering different tax advantages. However, the two common IRA accounts are the Traditional IRA and Roth IRA. Knowing the differences between the two IRA accounts can help you make an informed decision for your[Read More]

Filed Under: Articles, Investing Tagged With: Retirement, Roth IRA, Traditional IRA

What Is Cryptocurrency? 5 Things to Know About Crypto

Last Updated December 27, 2022 | Ad Disclosures | Editorial Disclosure

Bitcoin is the most known and the most valuable cryptocurrency today. Since its inception in 2007, the crypto market has exploded.  Today, there are more than 1500 cryptocurrencies in circulation. Besides bitcoin, other cryptos such as Litecoin, Ether (Ethereum), and Dogecoin have stepped and are on the rise. However, most people still don’t know as much about[Read More]

Filed Under: Articles, Investing Tagged With: bitcoin, crypto, doge

Real Estate Investing for Beginners: How to Get a for a Duplex

Last Updated November 16, 2020 | Ad Disclosures | Editorial Disclosure

The Duplex Route: Maximizing Investment Potential And Passive Income Generation What Is a Passive Income Generator? A Passive Income Generator, or PIG, is a means of getting money without active measures. Many different PIGs are out there, but real estate has some of the most lucrative options in this area. Essentially, you acquire a property,[Read More]

Filed Under: Investing, Mortgage Tagged With: income property, refinance

5 Ways to Make Your Money Work for You

5 Ways to Make Your Money Work for You

Last Updated March 16, 2023 Leave a Comment | Ad Disclosures | Editorial Disclosure

Something that always irked me was the idea of my money just sitting in a bank account doing absolutely nothing. Before the Great Recession, a savings account and a few CDs (certificate of deposit) was a solid investment strategy for a college age kid. Over the past few years since the recession, interest rates have[Read More]

Filed Under: Investing Tagged With: high yield, income property, investments, IRA

Robinhood App Desktop

Is the Robinhood Investing App Good for Beginners?

Last Updated July 25, 2019 | Ad Disclosures | Editorial Disclosure

Technology is opening up how people save for retirement, especially millennials. Among the most talked about apps used for investing, Robinhood routinely catches headlines. The free stockbrokerage app has turned heads and has grown to a few million investors. The Robinhood app has a proven track record of happy users, but is it right for[Read More]

Filed Under: Investing, Products Tagged With: Apps, Stocks

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