Buying a home is a major financial decision influenced by interest rates, housing prices, and your personal readiness. While market timing matters, the best time to buy is when you're financially prepared—debt-free, with a full emergency fund, and savings for a down payment. Follow Dave Ramsey’s Baby Steps and consider your long-term goals. For personalized guidance, speak with a Whitaker-Myers financial advisor today.

Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401(k), Roth IRA, or taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.

Tax loss harvesting helps offset gains by selling investments at a loss, reducing taxes in taxable accounts. Retirement accounts like IRAs and 401(k)s are tax-favored and don’t require this strategy. For maxed-out retirement savings, consider taxable accounts. Consult financial advisors to navigate tax loss harvesting effectively and avoid costly mistakes. Need guidance? Contact our Whitaker-Myers team to optimize your investment strategy.

A home purchased with CASH While driving to the gym this morning, I turned on “The Ramsey Show’s Highlights” for 8/26/24 and listened to...

Activate Baby Step 5. Your mission, should you choose to accept it is to create financial independence for yourself by saving 15% of your...

That's right! For those of you with kids that are nearing college or college planning has been in your mind lately - it's a two-for July!...

Things like a savings rate for retirement seem so trivial in the grand scheme of life, right? I’m reminded of that as I watched my...

Lately I’ve been engrossed in the world of watching my LinkedIn feed. Now remember LinkedIn is supposed to be the anti-Facebook social...

Technology has improved almost every area of our lives – why can’t it improve our investing? For those of us, that subscribe to the Dave...

It’s a rainy Sunday, and there’s not much to do – no swimming, no basketball with my son, and we just enjoyed a wonderful lunch at The...

If you’re not getting better, you’re falling behind. Technology makes this statement even more true. In the last week of May and the...

Let me start out by saying if Dave Ramsey would do a solid for his country and run for President, we wouldn't be in this mess. With...

On April 6th, 2023, Chris from Dallas, Texas (one of the SmartVestor Pro Markets Whitaker-Myers Wealth Managers serves) called Dave to...

If The Financial Aid Awards Are Lacking In April, parents of high school seniors are looking at their financial aid letters. It's a...

Stock Market projections. I can bet that at least once a day, I will hear someone tell me why the stock market will crash and never return.

The recent failure of three U.S. banks has raised concerns over the economy and financial system.

My friend Dave Ramsey invests in two things: mutual funds with long track records of success and paid-for real estate. He loves real...

2022 was a challenging year for investors. Markets fell into bear market territory and experienced the worst annual performance since...

A year (and meeting) in review This past week our team traveled to Franklin, TN. It was a quick trip, but one of those trips that fills...

With the advent of internet shopping and social media advertising, there has been a boom in small businesses over the last decade. In...