To 1) cut your payment, 2) pay it off faster, 3) get cash, or 4) switch to a fixed or adjustable rate loan.

Eight in 10 Americans choose a 30-year fixed-rate mortgage. Should you?

To protect yourself you need a reserve, usually about 2-4 months’ pay.

Banks, brokerages, and mutual fund companies offer IRAs. Choose the one with the products and services you want for the lowest fees.

It’s often hard to know how much you’re spending – until you overspend.  So set up a system that puts you in control.

A bank relationship is usually long-term.  So pick a bank that offers the services you want tomorrow, as well as today, most reasonably.  

Retirees spend about 20% of their income on health care.  

Uninsured medical expenses can bankrupt you. So at least have insurance that covers very large bills.

Know how you're taxed, how you might save, and how taxes change in retirement.