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	<title>Saving Without A Budget &#187; Retirement</title>
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		<title>Rollover Your Retirement Plans &#8211; Don&#8217;t Touch the Money!</title>
		<link>http://www.savingwithoutabudget.com/retirement/rollover-your-retirement-plans-dont-touch-the-money/</link>
		<comments>http://www.savingwithoutabudget.com/retirement/rollover-your-retirement-plans-dont-touch-the-money/#comments</comments>
		<pubDate>Tue, 01 May 2007 03:36:27 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[


 The other day a buddy of mine was asking about what to do with his 401k &#8211; he had recently switched jobs and wanted to move all of his money from the old company&#8217;s plan to the new company&#8217;s plan.  Simple enough.
However, when he told me how he planned to do this, I [...]]]></description>
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		<title>Why the &#8220;10% Rule&#8221; is Actually a Good Thing</title>
		<link>http://www.savingwithoutabudget.com/retirement/why-the-10-rule-is-actually-a-good-thing/</link>
		<comments>http://www.savingwithoutabudget.com/retirement/why-the-10-rule-is-actually-a-good-thing/#comments</comments>
		<pubDate>Sun, 29 Apr 2007 00:30:11 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[


 The other day I was reading an article by Walter Updegrave, Money Magazine&#8217;s senior editor,  in which he states that the &#8220;10% Rule&#8221; &#8211; the notion that you need to save 10% of your salary each year in order to have enough money when you retire &#8211; isn&#8217;t a very good savings plan.
Updegrave [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Many Americans Not Saving For Retirement</title>
		<link>http://www.savingwithoutabudget.com/retirement/many-americans-not-saving-for-retirement/</link>
		<comments>http://www.savingwithoutabudget.com/retirement/many-americans-not-saving-for-retirement/#comments</comments>
		<pubDate>Tue, 17 Apr 2007 02:38:00 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[According to an article published on CNN.com nearly half of us working stiffs have saved less than $25,000 for retirement &#8211; with nearly 1/3rd of the work force having absolutely nothing stashed away.
I know I&#8217;m a little late to the game on this article, but I think it&#8217;s worth reiterating how scary these numbers actually [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>90% of People Believe Personal Finance Should be Taught in School</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/</link>
		<comments>http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/#comments</comments>
		<pubDate>Sun, 15 Apr 2007 03:59:23 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Thanks to a recent poll on Totally Money, it appears that I&#8217;m not alone in the belief that personal finance should be incorporated into the core curriculum of America&#8217;s schools.
According to the poll, 89% of respondents stated that they believed that personal finance should be a required part of every child&#8217;s education.
The logic behind teaching [...]]]></description>
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		<slash:comments>37</slash:comments>
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		<title>What to do With Your Tax Refund</title>
		<link>http://www.savingwithoutabudget.com/retirement/what-to-do-with-your-tax-refund/</link>
		<comments>http://www.savingwithoutabudget.com/retirement/what-to-do-with-your-tax-refund/#comments</comments>
		<pubDate>Thu, 12 Apr 2007 03:00:33 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[For a lot of us, tax season really isn&#8217;t that bad thanks to the fact Uncle Sam is going to cut us a nice fat check for all of the taxes we overpaid throughout the year.  Whether it&#8217;s $100 or $10,000, it&#8217;s always nice to get that &#8220;unexpected&#8221; money.
So, what should you do with your [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Confessions of a Miser</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/confessions-of-a-miser/</link>
		<comments>http://www.savingwithoutabudget.com/miscellaneous/confessions-of-a-miser/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 02:33:04 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I have a confession to make &#8211; I love money more than almost anything.  Don&#8217;t get me wrong, my family and friends come first, but I don&#8217;t know if I can think of anything else that would be ahead of money on my list.
And because I&#8217;m this way, I&#8217;ve been called miserly, stingy, tightfisted, penny [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Top 10 Reasons Why You Aren&#8217;t Rich (Yet)</title>
		<link>http://www.savingwithoutabudget.com/vices/the-top-10-reasons-why-you-arent-rich-yet/</link>
		<comments>http://www.savingwithoutabudget.com/vices/the-top-10-reasons-why-you-arent-rich-yet/#comments</comments>
		<pubDate>Tue, 27 Mar 2007 01:38:23 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Vices]]></category>

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		<description><![CDATA[Because my life essentially revolves around finding interesting articles on the internet, I think I came across a pretty insightful article surrounding the reasons that most of us never become rich.
The article, written by Jeffrey Strain and published on TheStreet.com &#8211; a site dedicated to personal finance, but is mostly about stocks and mutual funds [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Personal Savings Fall to Lowest Levels Since the 1930s</title>
		<link>http://www.savingwithoutabudget.com/news/personal-savings-fall-to-lowest-levels-since-the-1930s/</link>
		<comments>http://www.savingwithoutabudget.com/news/personal-savings-fall-to-lowest-levels-since-the-1930s/#comments</comments>
		<pubDate>Wed, 07 Feb 2007 14:08:23 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[In what could ultimately end up being terrible news for both those who are trying to save for retirement as well as the American economy in general, the personal savings rate was negative during 2006 and dropped to a 74 year low.
During 2006 the personal savings rate for Americans fell to negative 1% &#8211; the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Never Pass Up Employer Matching on 401(k)</title>
		<link>http://www.savingwithoutabudget.com/free-stuff/never-pass-up-employer-matching-on-401k/</link>
		<comments>http://www.savingwithoutabudget.com/free-stuff/never-pass-up-employer-matching-on-401k/#comments</comments>
		<pubDate>Tue, 12 Sep 2006 13:19:47 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
		<br />
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		<description><![CDATA[With the near extinction of the &#8220;gold watch and nice pension&#8221; for a career well done, the burden for a financially secure retirement now falls on the shoulders of you, the employee.
However, that doesn&#8217;t mean your employer isn&#8217;t trying to help you out.  Most companies offer employees the option of contributing to a 401(k) retirement account, [...]]]></description>
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