News Market timing is more likely to lead to the failure of a financial plan than a long-term investment approach. While the partial shutdown is an immediate threat for clients, President Trump’s executive order has the potential for a bigger impact. The lack of clarity on whether there will be a pay raise in 2019 feels a bit like Groundhog Day. Paying down debt vs. saving money, explained in plain English Deciding whether to use extra cash to pay down debt or build an emergency fund depends on several factors, from your employment situation to your tolerance threshold for debt stress. Deciding between paying off debt and saving can be difficult. Here are some tips to help you determine the best approach for you. When working with a financial advisor, the first thing you should consider is how they are compensated. Taking these steps can help make creating a budget and committing to it simple. The decision to purchase a home needs to be made within the context of your overall financial plan. For most people, term life insurance is more suitable than whole life insurance. Here's why. If you are considering investments beyond publicly-traded securities, make sure to answer these questions first. Couples combining finances can use a framework to minimize stress and conflicts. Understanding these two investment lessons will help you build a successful portfolio and reach your financial goals. While teachers' incomes tend to be lower than many, they are often able to retire with few financial concerns. There are a number of ways to make sure you get the best price on the purchase of a new car. There are a number of ways in which financial planning differs for entrepreneurs. Money gives you options, and it's good to have options. If you are a federal employee who is considering early retirement, it is important to understand your options and whether or not it is feasible. Financial advisors explain when it's a good idea to skip plug-and-play investing and get some professional help to build your nest egg.