Applying Your Financial Skills Determining and applying your Golden Ratio How can I achieve financial security? How much do I need to retire? Millennials – a blueprint for success How to save for anything Should I participate in a 401(k) plan? Should I borrow from my 401(k)? How to choose between traditional 401(k)s and Roth 401(k)s I’ve got money to invest – should I? Should I fund retirement or save for college? Should I pay down the mortgage or invest? Should I fund a Health Savings Account? How to save for college – 529 plans or Roth IRAs? Should I rent or buy? Career planning – a different approach Lifetime Financial Roadmaps Annuities