No wonder so many people think the 401(k) is the best thing since right turn on red. The majority of employers match some amount of their workers’ contributions. But what if your employer doesn’t offer a 401(k) at all? No 401(k)? No problem! You have more options than you think if you decide to go it alone with your retirement savings. Today on MoneyWise Rob West and Steve Moore are ready to tell us what those might be. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-10 years ago, my father-in-law left us E-bonds. I just found out that they have been extended to 2026. My husband and I are both 80 years old. Should we cash them in now? Or leave them for our children to inherit?

-My wife and I want to simplify our lifestyle in retirement. How do we start trimming credit cards without hurting our credit score?

-My daughter has some credit card debt, plus a student loan. Should she defer her student loan to pay off the credit card first?

-I have substantial credit card debt. I’m thinking of going to the bank to borrow against the land that we own. Is that a good way to pay off the credit cards?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

No wonder so many people think the 401(k) is the best thing since right turn on red. The majority of employers match some amount of their workers contributions. But what if your employer doesnt offer a 401(k) at all? No 401(k)? No problem! You have more options than you think if you decide to go it alone with your retirement savings. Today on MoneyWise Rob West and Steve Moore are ready to tell us what those might be. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-10 years ago, my father-in-law left us E-bonds. I just found out that they have been extended to 2026. My husband and I are both 80 years old. Should we cash them in now? Or leave them for our children to inherit?

-My wife and I want to simplify our lifestyle in retirement. How do we start trimming credit cards without hurting our credit score?

-My daughter has some credit card debt, plus a student loan. Should she defer her student loan to pay off the credit card first?

-I have substantial credit card debt. Im thinking of going to the bank to borrow against the land that we own. Is that a good way to pay off the credit cards?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Today on MoneyWise, Steve Moore and Rob West are joined by author and teacher, Howard Dayton, to discuss how to best raise financially smart children. Howard offers practical and Biblical advice from his experience on many different financial topics surrounding raising kids.Next, they answer your questions at (800) 525-7000 [email protected] the following:

-I heard you talking recently about shopping around for mortgage interest rates. Wouldn’t this hurt your credit score?

-Is there a specific percentage that is used for tax refunds?

Be sure to check out our new website atmoneywise.orgto connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Today on MoneyWise, Steve Moore and Rob West are joined by author and teacher, Howard Dayton, to discuss how to best raise financially smart children. Howard offers practical and Biblical advice from his experience on many different financial topics surrounding raising kids.Next, they answer your questions at (800) 525-7000 [email protected] the following:

-I heard you talking recently about shopping around for mortgage interest rates. Wouldnt this hurt your credit score?

-Is there a specific percentage that is used for tax refunds?

Be sure to check out our new website atmoneywise.orgto connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Do you get paid every two weeks? You may not realize it, but getting a paycheck every other week gives you an advantage when setting up your budget. If, that is, you plan ahead and make the most of it. Budgeting on a bi-weekly paycheck is our topic today on Moneywise. Rob West and Steve Moore have the pros and cons of bringing home the bacon every two weeks. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I own a business and I’m waiting for the state to release my savings account. They are several months late in returning my money, so I am unable to pay my bills. How should I proceed?

-I believe in tithing, but I’m between churches right now. Which should take priority: paying my bills? Or tithing?

-I have an HSA account. At what point should I stop putting money in that account and start putting money into a 401(k) or a savings account?

-I have two 401(k)s from previous employers. One of them is losing money. Should I combine the two accounts into an IRA?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Do you get paid every two weeks? You may not realize it, but getting a paycheck every other week gives you an advantage when setting up your budget. If, that is, you plan ahead and make the most of it. Budgeting on a bi-weekly paycheck is our topic today on Moneywise. Rob West and Steve Moore have the pros and cons of bringing home the bacon every two weeks. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I own a business and Im waiting for the state to release my savings account. They are several months late in returning my money, so I am unable to pay my bills. How should I proceed?

-I believe in tithing, but Im between churches right now. Which should take priority: paying my bills? Or tithing?

-I have an HSA account. At what point should I stop putting money in that account and start putting money into a 401(k) or a savings account?

-I have two 401(k)s from previous employers. One of them is losing money. Should I combine the two accounts into an IRA?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Today on MoneyWise, Steve Moore and Rob West discuss online review sites and talk about whether or not you can trust the reviews that you read. Rob West offers ways to spot fake reviews online.Next, they answer your questions at (800) 525-7000 [email protected] the following:

-I am 65 and single. I am on disability and living off savings. Now, my savings is gone. In order to survive, should I sell my home and invest the money?

-My husband passed away recently. I am living in a relative’s home rent free, but I will need to move within the next couple years. What is the best way to save an prepare for this?

-We purchased our home about 2 years ago with a VA loan. I am a disabled veteran. When we bought the home, we were told we could claim it on our property taxes to lower those taxes. My taxes went down, but what happens to the surplus that is left over?

Be sure to check out our new website atmoneywise.orgto connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Today on MoneyWise, Steve Moore and Rob West discuss online review sites and talk about whether or not you can trust the reviews that you read. Rob West offers ways to spot fake reviews online.Next, they answer your questions at (800) 525-7000 [email protected] the following:

-I am 65 and single. I am on disability and living off savings. Now, my savings is gone. In order to survive, should I sell my home and invest the money?

-My husband passed away recently. I am living in a relatives home rent free, but I will need to move within the next couple years. What is the best way to save an prepare for this?

-We purchased our home about 2 years ago with a VA loan. I am a disabled veteran. When we bought the home, we were told we could claim it on our property taxes to lower those taxes. My taxes went down, but what happens to the surplus that is left over?

Be sure to check out our new website atmoneywise.orgto connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

So you finally decided to open an IRA. Good for you! Maybe your employer doesn’t offer a retirement plan, or you’ve already maxed out your 401(k). It’s the age-old question: should you open a traditional IRA or a Roth? Each has its advantages. Today on Moneywise, Rob West and Steve Moore welcome investing expert Mark Biller to determine which investment is right for you. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- My father is a retired missionary, and he has been having a hard time keeping his finances straight since his retirement. How can I come alongside him to help him get things organized?

- My mother left me an inheritance of an irrevocable trust. We’ve used the money to pay off our mortgage, so we are now debt free. The value of the trust is now insufficient for the trustee to continue administration. They now are going to distribute the remainder to me. Will I have any tax liabilities on that money?

- Which is better, a will or a trust?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

So you finally decided to open an IRA. Good for you! Maybe your employer doesnt offer a retirement plan, or youve already maxed out your 401(k). Its the age-old question: should you open a traditional IRA or a Roth? Each has its advantages. Today on Moneywise, Rob West and Steve Moore welcome investing expert Mark Biller to determine which investment is right for you. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- My father is a retired missionary, and he has been having a hard time keeping his finances straight since his retirement. How can I come alongside him to help him get things organized?

- My mother left me an inheritance of an irrevocable trust. Weve used the money to pay off our mortgage, so we are now debt free. The value of the trust is now insufficient for the trustee to continue administration. They now are going to distribute the remainder to me. Will I have any tax liabilities on that money?

- Which is better, a will or a trust?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.