Managing Personal Finances During this Period of Great Uncertainty
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There will be many moments in our lives where we’re faced with unplanned hurdles. Depending on the circumstance, these hurdles may be accompanied by financial struggles. It is important to ensure that we are making the right financial choices to be prepared for any uncertainty that may come...
There will be many moments in our lives where we’re faced with unplanned hurdles. Depending on the circumstance, these hurdles may be accompanied by financial struggles. It is important to ensure that we are making the right financial choices to be prepared for any uncertainty that may come our way. Learn from 36-year veteran financial planner Judy Ward why and how--now more than ever—women need to:
- Buckle down and budget
- Ditch the debt
- Have money on the side
- Set up or step up your savings rate
- Prepare for further life changes
Judy will share her tips for narrowing the financial gap which most women experience.
Meet The Speaker
Judy Ward is a senior financial planner and a vice president of T. Rowe Price Associates, Inc. She provides guidance on personal finance and retirement-related issues and is responsible for developing a broad range of financial planning products and services. Additionally, she provides T. Rowe Price perspectives to individuals, institutions, and the media and contributes to T. Rowe Price publications. She also has been quoted in national news organizations' columns and websites. She has been with T. Rowe Price since 1983. Judith earned a B.A. in economics and a certificate in finance from the University of Maryland Baltimore County. She is a CERTIFIED FINANCIAL PLANNER™ certificant and is a Series 7, 63, and 65 registered representative. Judy has 36 years’ experience in investment management.
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Q&A
Q&A guidelines-
What are the differences between SEP IRA and Solo 401k? What are the max contributions if you're already maxed out in the Roth IRA?
By: sally, Business AnalystPosted on 2020-05-26 -
What are some good ideas for side hustles or small ways to make some extra money? What would you recommend for single moms?
By: Lydia, Customer ServicePosted on 2020-05-26 -
What would be recommended resources to learn investing techniques?
By: Anna, VP of ProductPosted on 2020-05-26 -
COBRA is our biggest expense and coverage rates on the exchange are not less. Did any of the recent legislation include assistance on the health coverage requirement?
By: Robin, HR ProfessionalPosted on 2020-05-26 -
What are your thoughts on increasing 401k contributions now? Should modifications be made to asset allocation, weighing more heavily on bonds, during this time of uncertainty? Do you think it is...
By: OuttPosted on 2020-05-26 -
Do you have advice for people who have been laid off or furloughed?
By: Kristina, IT Service Desk SpecialistPosted on 2020-05-25 -
What is the best investment strategy in this current market?
By: Betty, Manager|Service ExecutivePosted on 2020-05-23 -
How to navigate in a situation where your partner (husband) has taken too many financial risk and you are not employed AND are 57 years old. The stress is having an effect on your health yet you...
By: Rebecca, Product ManagerPosted on 2020-05-22 -
What do you think are the 3 most important pieces of financial advise a women should follow?
By: CarlaPosted on 2020-05-22 -
What are your top budget change suggestions? In other words, when recommending someone change or reprioritize their budget, what are the most common areas that should be modified first?
By: AngelaPosted on 2020-05-22 -
What is the personal investing question you've received most during this pandemic?
By: KristinPosted on 2020-05-22 -
What percentage of your income should go to retirement vs. keeping more liquid funds right now?
By: JessaPosted on 2020-05-22 -
What is your financial advice for young adults graduating from college in this unique and challenging environment?
By: PaigePosted on 2020-05-22 -
When you only have a small amount of money to invest (say $10,000), what type of investement would you recommend?
By: Margit, Social MediaPosted on 2020-05-22 -
Feeling overwhelmed with investing options- what are some good places to start for people to learn more?
By: RachelPosted on 2020-05-22 -
Hi Judy, Before Covid 19 I was considering putting my savings into a stocks and shares ISA, but I'm now not sure what the safest option is? Thank you
By: Georgina, Sales and MarketingPosted on 2020-05-22 -
My family has managed to stay out of debt and been doing budget planning for a while now. However, we can’t seem to save enough for a house deposit. We are on a single income. Childcare is not...
By: Christy, Project managerPosted on 2020-05-22 -
How to save on single person income in a family of two. How to save up to own a home while paying for: Education loan Rainy day fund Retirement Family planning fund Car and related expenses
By: Alaka, Program Project ManagerPosted on 2020-05-22 -
In this time of uncertainty, what are some recommendations you have for families with small children with regard to savings and rainy day funds?
By: JuliePosted on 2020-05-22 -
Do you recommend opening up a Home Equity Line of Credit during these times?
By: RobertPosted on 2020-05-21 -
Wondering about my 401k. Currently have it set to index funds, is there something better you would recommend?
By: Sylvia, Customer Service SupervisorPosted on 2020-05-21 -
What are good resources you recommend for obtaining valuable knowledge in Finances?
By: Jaima, AuthorizationPosted on 2020-05-21 -
How do you figure out your retirement taxes? RRIF, OAS, CPP, it's a lot to figure out.
By: Kristine, VP SalesPosted on 2020-05-21 -
Should I be saving or paying off debt?
By: Alicia, Software EngineerPosted on 2020-05-21 -
Should I buy stock in a biotech company? And if so, which one?
By: LindaPosted on 2020-05-21 -
what are the pros and cons of furloughing your mortgage?
By: Serenity, ConsultantPosted on 2020-05-21 -
What is the best way to manage my money that I've rolled into a IRA?
By: Colleen, Accounting ManagerPosted on 2020-05-21 -
Is this a good time to change retirement account allocations in order to offset loses caused by the current economy?
By: Maria, Engineering DirectorPosted on 2020-05-21 -
If I need to pull money from a retirement account for living expenses, a withdrawal from which kind of account would make the most sense(401k, IRA, Roth IRA, etc.?
By: Nancy, Software EngineeringPosted on 2020-05-21 -
Thanks to the stimulus check and student loan deferment, I have some extra money on hand than I normally would. I'm wondering if I should take advantage of this deferment period to make a large...
By: Lydia, ManagerPosted on 2020-05-21 -
What bond ETF would u recommend?
By: Cindy, TeacherPosted on 2020-05-21 -
What’s your biggest takeaway from your career? What advice would you give to those women in their mid-career?
By: LaurenPosted on 2020-05-21 -
approaching 50 is it too late to change careers? Ie like obtain cpa license.
By: Sara, FinancePosted on 2020-05-21 -
What investment options are low risk to explore?
By: Carla, Business AnalystPosted on 2020-05-19 -
I am a recent grad and am just beginning my career. What are some ways I can best evaluate my options as far as picking the right bank (and subsequently, the best checking/savings accounts) and...
By: Emily, StudentPosted on 2020-05-17 -
What are some tips/tricks on reducing everyday bills like the internet, cell phone, etc?
By: sheriPosted on 2020-05-17 -
If i'm working on paying down credit card debt, is paying the card off directly, getting a personal loan and paying that off, or transferring the balance to a lower-interest card the best strategy?
By: Sara, Frontend DeveloperPosted on 2020-05-14 -
What does the recession mean practically for those of us attempting to build credit and save for a house?
By: Anahita, Science WriterPosted on 2020-05-14 -
I can't seem to ever pay down my student loan debt at any kind of quick pace. I've put them on an income based plan and cannot consolidate or refi them. Help!
By: Sara, WriterPosted on 2020-05-13 -
In this environment, how much cash should we have on-hand?
By: JuanitaPosted on 2020-05-13 -
What is more financially sound? Pay off debt as quickly as possible OR pay off the debt at normal rate and put extra money in savings?
By: Samantha, Project managerPosted on 2020-05-13 -
For someone just starting out their business, can you share your advice about setting up a general savings account that earns interest vs using that money to set up a Roth IRA? Should one be...
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