Regardless of whether your employer offers a retirement savings program like a 401k or 403b, it may be in your best interest to consider opening an IRA for yourself. Starting an IRA (individual retirement arrangement or account) can be one of the best and easiest ways to automate your retirement savings.  Unlike with a 401k, an IRA allows you to choose where and what YOU want to invest in – not your employer!  Plus depending on where you open an account you’ll also find that the fees are much, much less than what you’re being charged in your 401k account. Here is how to start an IRA for yourself (and your spouse):   How to … [Read more...]