Ive got a 401(k) through my employer and a traditional IRA.
Save some money, then use it all almost immediately for necessary expenses.
Contribute to a retirement account, then wonder if you would be better off just using the cash now.
Cut back on expenses, then find out the cost of your essentials is going up.
It doesnt feel like hustling.
It feels like drowning.
The penalties just arent worth it if you have retirement coming in the next 10 to 20 years.
So lets look at conquering your debt bit by bit.
Some of these loans are tailored specifically to move scattered student loan payments into one monthly payment.
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In both cases, interest rates are often lower than youd be paying otherwise, depending on your credit.
If your credit history precludes you from consolidating your debt, consider credit counseling.
A credit counselor can review your situation and tell you if there are any ways to lighten the burden.
You also may be eligible for adebt management program.
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Have a tricky money question?
Write toDear Pennyand you might see your question answered in an upcoming column.
(Can you sense my millennial sarcasm there?)
You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…
