Money Tips Network

Have you ever felt like a specific sum of money would solve every problem you have? Maybe you’re working toward a certain threshold where you will actually feel “rich” — even if you’re technically at that point already. If so, what sum of money would finally leave you feeling secure?

These are good questions to ask yourself, although the way you define “rich” may predict how likely you are to get there. According to a recent study from GoBankingRates, 26.2% of 5,021 respondents said they would need to earn over a million dollars per year to feel “rich.” Another 47.3% said they would feel rich earning less, and 11.7% even said they would feel rich if they earned six figures. To add even more contrast, 12.8% of respondents said they wouldn’t feel rich unless they earned $10 million dollars or more.

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What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Planning ahead for a child
2. Frugality and self-denial
3. 401(k) and multiple jobs
4. Work culture and telecommuting
5. Why don’t people save?
6. Figuring out credit card debt
7. Getting started with children’s haircuts
8. Picking funds in 401(k)

There’s one obvious question that usually goes unanswered despite all of the articles, podcasts, and news segments on the importance of saving for retirement: How much money should YOU be saving for retirement?

It’s easy to find benchmark percentages, like rules saying that you should save 15% of your income. But that doesn’t factor in anything personal like your age, your current retirement savings, or your retirement goals.

It’s also easy to find calculators saying that you need something like $1,000,000 by the time you retire, but that doesn’t tell you anything about how to get there.

What you really need is a specific dollar amount you should be contributing to your retirement accounts on a monthly basis. A number that takes your personal goals and information into account and gives you a personal result.

That’s exactly what you’ll get here.

As a passionate yet frugal fashion connoisseur, I'm always looking for ways to keep the peace between my inner Chic Chandra and Frugal Fran. It isn't easy. One of my favorite ways to pacify both sides and exercise a bit of creativity is by engaging in shopping challenges.

Maybe you need some money to fund the renovation of your home's 1970s-era kitchen. Or maybe you need a quick chunk of cash to pay down high-interest credit card debt or help pay for your kid's college tuition.