Save & Invest

Certificate of Deposit

• Are Certificates of Deposit (CDs) insured?
• Are there penalties if I take my money out early?
• How are CDs different than HYSA or Money Market accounts?

Saving for Retirement vs Other Goals

• Should I be saving for retirement or saving for my kids' college?
• Should I save for retirement or save for a house?
• Can I use my retirement savings for a down payment?

Savings

• I already have a savings account I transfer money to. Do I need to set up a new account?
• I already have my Starter or Full Emergency Fund saved somewhere. Should I transfer it to a new account?

Saving for Short Term Goals

• How should I invest money that I will need to use in the next few years?

Retirement Accounts

• Can I take money out of my retirement account before retirement?
• Should I open a Roth IRA or Traditional IRA?

Retirement

• How much can I spend once I retire?

Social Security

• What about Social Security?

Investing/Market Conditions

• Is now a good time to invest?
• What should I consider when investing given the current political climate and its impact on the markets?

Investing

• Should I use a financial advisor?
• What is dollar cost averaging?
• Which brokerage firm is best to use for beginning investors?