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Mistake #1: Neglecting to address the root cause of the debt first.


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The back story


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  • Do you want to save more than the annual IRA contribution limits ($6,000 in 2021 unless you’re age 50 or older, then it’s $7,000)?
  • Is reducing your taxable income an important factor?
  • Will you save for the future otherwise?

Do you want to save more than the IRA limits?


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Image credit: author; Olympic National Park

Setting an achievable goal


Woman almost entirely underwater, with her face from the nose up above the surface.
Photo by Kyson Dana on Unsplash


Woman in front of a fountain.
Photo of author on vacation, after escaping paycheck to paycheck living


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Kelley C. Long

CFP & CPA writing about money & how it fits into life based on my work with everyday people as a financial coach. www.financialblisscoach.com

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