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I just finished a sleep program for insomnia which has been incredible! It's called CBT-I which is cognitive behavioral sleep for insomnia. It's helped me more than anything without taking anything. The most important item they had us do first was to get up at the same time every single day to...

Wow, I am trying to learn and am reading through. Your post is so supportive and thoughtful. </s>

I think so much of it depends upon where you live. If the national household only earns 33k per year, they must live in a location with a much lower cost of living. The average rent here is 24K annual alone. However, earnings are much higher here too. So, I think there are a lot of variables...

Thank you very much for the feedback. I see that I need to learn how to use the calculators. I had trouble using FireCalc. I will do more research on the website. We have a fixed 30 year loan at 4.75%. I'm not sure what DblDoc means by taxable savings? Our 401(k) will be taxable when we...

Hi, I'm new here today. Wow, after reading some of these posts, I now feel incredibly behind. I'm 45 and plan on working until 62. My husband and I have about 200K in our 401K's 80K emergency savings Save about 1k per month for unexpected expenses and emergency House worth about 750K, owe 490K...