Dear Olga, I am unemployed and not sure if I should keep my 403 from my former employer as it is or roll it into an IRA. Thank you, Kim Dear Kim, Unemployment brings so much uncertainty about the future and the lack of funds can be very stressful. Earlier this year, I wrote a blog post about dealing with financial setbacks. You can read the advice here. Before going into my advice, I urge you to think about what you're trying to achieve with this transactions. Your intentions

I launched the Rags to Riches website and blog a month ago and I can't believe how quickly the month passed. Anyone who personally knows me, knows how much I love to learn. One time an interviewer asked me if I could make a perfect job, even if it doesn't exist, what would it be. My answer was: if there was a way to incorporate going to school and getting paid, that would be my perfect job. This experience has been full of learning experience in managing a business, creating

Everyone has several large costs that they need to make each month, like car payments, mortgages, rent or student loans. The downside of these costs is that they tend to be a larger portion of your income, the bright side is that they are recurring, making it easier to plan for them. Since I'm located in NYC and most New Yorkers' largest expenses tend to be rent, I will use that as an example. For many years, I've heard the magic number of 30% floating around as to what perce