Once we retire the goal for most of us is to ensure that the savings we've accumulated will be able to provide us with income throughout a retirement that can last 30 or more years.
The salary you agreed to isn't the same amount that's flowing into your bank account on the regular. Do you know what's happening to the rest of your money?
If buying a house is on your short-term to-do list, experts say keep your down payment funds liquid. Looking to buy further down the road? You have some more options.
If you have a spouse or children, you need to think seriously about what their lives will look like if you die and they discover there's no backup plan.