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We're newlyweds in Seattle and struggling to save for a down payment. Should we cut back on 401(k) contributions so we can buy a home? As home prices climb, it’s becoming increasingly difficult for many first-time homebuyers to save for a down payment. And some may be wondering if they should cut back on their retirement savings so they can afford to buy a house. For example, Seattle newlyweds Cindy and Jack are struggling to save money for a down payment on a home while also saving for retirement. So, they’re wondering if they should cut back on their 401(k) contributions, at least for a while, to build up their house fund. The couple, both aged 29, are off to a good financial start
©Dave Ramsey How Social Security works is something that would benefit all of us to understand, and yet, partly because of an overall lack of financial literacy, it can be quite a mysterious beast. Fortunately, financial guru Dave Ramsey is here to help. Be Aware: 8 Common Mistakes Retirees Make With Their Social Security Checks For You: 21 Affordable Small Cities To Retire on the East Coast The popular radio host and money-advice personality shared a post on his Ramsey Solutions site in which he answered the 14 most common questions about Social Security. First things first: What even is Social Security? Ramsey provided some interesting background on the program and what it’s meant to do. “Social Security was created in 1935 to provide income for retired workers, disabled Americans, survivors of deceased workers, and dependents of beneficiaries,” Ramsey wrote. “Today, about 176 million workers pay Social Security taxes, and 69 million Americans received Social Security benefits in 2021.” (This 69 million number is still accurate as of 2025, according to the SSA.) Ramsey made a point of noting that Social Security benefits were never intended to be the sole source of income for retirees. “It was always meant to supplement your retirement income,” Ramsey wrote
" Ramsey Solutions private finance expert and "The Ramsey Show" co-host George Kamel reveals one of the best methods to secure your retirement savings.
My wife’s family lives off trust funds and wants to pay for a lavish trip with our kids, but I said no — am I wrong? When you’re married to someone that comes from a lot more money than you, financial decisions within the relationship can become complicated. This is especially true if your wife's family wants to give you a ton of cash to go on a vacation with your kids that you could never afford on your own. If you find yourself in this difficult situation, there's one key way to address the issue and avoid a situation that leads to long-term resentment or discomfort. You need to have a frank discussion where you both share your opinions and come to a decision together. If you’re not used to having these types of conversations, it’s helpful to know exactly what you want to communicate before engaging (even if that means writing it down) — and be sure to listen to the other opinions that come up. By voicing your concerns, you may get the answers you need to move forward and feel confident in your perspective as a unit
Want To Retire Early? Dave Ramsey Offers Surprising Tip To Fast-Track Your RetirementBenzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.Retiring early might sound like a fantasy, especially in today’s economic climate, but financial guru Dave Ramsey assures us it’s entirely possible with the right strategies—one of the most potent being an investment in real estate.In his recent article, “How to Retire Early: Everything You Need to Know,” Ramsey outlines several pivotal steps for those aiming to leave the workforce sooner rather than later. Beyond the basic financial adjustments, like slashing expenses and augmenting income, Ramsey highlights the transformative power of investing in real estate.Why Real Estate?According to Ramsey, investing in real estate offers a robust pathway to generate passive income and build wealth steadily over time. While traditional retirement accounts like 401(k)s and IRAs are essential, they come with age restrictions and penalties that might not align with early retirement plans. Real estate, on the other hand, can provide continuous cash flow, whether through rental income or appreciation, positioning it as an excellent ‘bridge’ investment to fund your early retirement years.Start Investing In Real Estate With Any BudgetUnderstanding the power of real estate is one thing, but not everyone has the capital to buy properties outright. This is where Arrived, a platform backed by industry giants including Jeff Bezos, revolutionizes the investment landscape. With Arrived, you can buy shares in rental properties with as little as $100, making investment real estate accessible regardless of your budget.Arrived has already made significant strides in democratizing the real estate market
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Industries
Fintech
Financial Services
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Franklin, Tennessee
Founded
1992
Find jobs on Simplify and start your career today