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I'm getting divorced after 14 years of marriage and suddenly find myself out of 1/2 of my 401k savings. I'm 46 and need some advice on how to rebuild my retirement savings?

Aug 20, 2012 by Dane from Rollingbay, WA in  |  Flag
4 Answers  |  22 Followers
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6 votes

First, try to identify your goals. Are they reasonable and attainable? Next, identify and prioritize the obstacles and risks to your goals. For example, income tax was an obstacle, in a sense, that you might have successfully dealt with by deferral in the past. Divorce, though, was a risk that worked against income tax deferral in that your tax deferred assets were subject to ERISA's spousal protections. Carrying this example forward, you might need to evaluate these same two factors and try to prioritize them. If another marriage and then the "risk" of divorce were the greater risk, you might weight more of your assets to separate and sequestered title, for example, using a trust, rather than income tax deferral. If both were equal, you might consider a pre-nupt or some other way to protect against both risks prior to another marriage. These are just examples, possibly seemingly unlikely. There are many other risks to consider. The point is to go through this sort of process before rushing into a product or strategy decision.

View all 15 Comments   |  Flag   |  Aug 20, 2012 from Raleigh, NC
Alexis

Get Your Wife Back, Perfect Urgent Love Spell. Am Alexis scorpio from FL Usa All Thanks To Dr happy Who Brought Back The Love Of My Life. my girlfriend cheated on me and asked for a breakup. I don't believe at first i try to get back with her but all she told me was she’s with someone else. that she is no longer interested in marrying me at that point i was heart broken coz i love my girlfriend so much that i could not let go off her all of a sudden she left me, i really love her and never can imagine my life without her. not until i came across a powerful real spell caster Dr happy who promise me 24hours urgent love spell to get back with my girlfriend, good twenty-four {24} hours. hmm-mm, it was a good night time at 11:pm within the days that Dr happy told me that my girlfriend will be back, at first i heard the bell rings getting close to my door i heard someone saying honey!!!, it sound familiar i opened the door and i saw my girlfriend standing and weeping in front of me. i was not surprised because its all i have been praying for her to come back home. Guess what 2 weeks after she noticed her system and her body temperature was changed and i took her to clinic for check up and the doctor told me that there is life in her which means she was pregnant i really wants to use this opportunity to thanks Dr happy so much and the love page that directed me to Dr happy if you have any problem getting your ex back, or predicament that is worse or exactly like this you have been into, contact Dr happy on happylovespell2@gmail.com Whatsapp/cal +2348133873774
visit his website...happylovespell2.webnode.com/
about his love spell Blogs site.http://happylovespel.blogspot.com.ng/

Flag |  Aug 02, 2019
Alexis

Get Your Wife Back, Perfect Urgent Love Spell. Am Alexis scorpio from FL Usa All Thanks To Dr happy Who Brought Back The Love Of My Life. my girlfriend cheated on me and asked for a breakup. I don't believe at first i try to get back with her but all she told me was she’s with someone else. that she is no longer interested in marrying me at that point i was heart broken coz i love my girlfriend so much that i could not let go off her all of a sudden she left me, i really love her and never can imagine my life without her. not until i came across a powerful real spell caster Dr happy who promise me 24hours urgent love spell to get back with my girlfriend, good twenty-four {24} hours. hmm-mm, it was a good night time at 11:pm within the days that Dr happy told me that my girlfriend will be back, at first i heard the bell rings getting close to my door i heard someone saying honey!!!, it sound familiar i opened the door and i saw my girlfriend standing and weeping in front of me. i was not surprised because its all i have been praying for her to come back home. Guess what 2 weeks after she noticed her system and her body temperature was changed and i took her to clinic for check up and the doctor told me that there is life in her which means she was pregnant i really wants to use this opportunity to thanks Dr happy so much and the love page that directed me to Dr happy if you have any problem getting your ex back, or predicament that is worse or exactly like this you have been into, contact Dr happy on happylovespell2@gmail.com Whatsapp/cal +2348133873774
visit his website...happylovespell2.webnode.com/
about his love spell Blogs site.http://happylovespel.blogspot.com.ng/

Flag |  Aug 02, 2019

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6 votes

Best wishes in your new life. Here are a few quick ideas to be considering.

  1. Work out a personal budget and track your expenses. Often times new divorcees completely mismanage their budget because they are not used to the new income and expense level.

  2. Don't make immediate and large purchases. Stay on budget and get used to the new lifestyle. Besides, you don't want to make an emotionally charged buying decision.

  3. Carry sufficient insurance coverage. Making sure you have proper coverage will decrease your chances of needing emergency funds to cover unexpected health care costs or to replace household goods in the event of a problem.

  4. For your scenario of being realtively young, keep expenses down and try to save any extra funds in a combination of your 401(k), Roth IRA, and brokerage/savings account.

  5. Remember that you probably received a share of retirement benefits during the divorce and you may be able to claim a portion of your spouse’s social security benefits once you are eligible for benefits.

View all 9 Comments   |  Flag   |  Aug 20, 2012 from Austin, TX
Miss

Hello am Christiana from the united state, i read some testimony about DR.OSUKO on how he has helped people in bringing back there ex within 48hours i was just thinking if that was real,And decided to call a lady who made a testimony about DR.OSUKO her number,So i called her and ask her about DR.OSUKO she said DR.OSUKO is a trustworthy man and he his ready to bring back my lover for me,i was just so happy and a little bit relief that my lover will be back to me soon,Then i decided in contacting DR.OSUKO which i did,And before i could share him my problem he has already told me what i came for,And he said everything will be okay within 48hours that my lover will be back to my arms,So he said he would be casting the spell and that within 48hours my lover would call me,So i hoped so truly before the 48hours i got a call from a man who has left me for the past 6years saying he is sorry and he wants me back,i was happy and i said i also want him back,Then i traveled to canada to meet him up,And he apologized for what he has done to me now he proposed to marry me and we are both preparing for our wedding soon,All thanks to the great and World best spell caster,DR.OSUKO His private mail osukospelltemple@gmail.com

Flag |  Feb 20, 2019
AGUSTINA

My life is full of happiness because Prophet Abulele make me to be happy. My Name is AGUSTINA ALEX, What happened to me is not what I can keep only to myself but to also tell the world so that those that have any problem with their relationship or marriage will get their love ones back and been happy once again. I and my lover had some serious issues which leads to our break up, since after then my life has never been the same, I tried all method to get him back. but they were just waste of effort and waste of time. But one day during my search on the internet, I came across someone testimony about Prophet Abulele. I contact him and explain my problem to him am still very much surprise till now how he was able to bring back my lover within 48 hours. With this great thing that happened in my life I decided to tell the whole world about this great man called Prophet Abulele. For those in need of anything he told me that in his temple there is nothing impossible. I believe him so much. Friends or to anyone reading my testimony, if you need help to bring back your ex-lover/Ex-husband or you want to have your baby please kindly contact him via email; prophetabulelehealingtemple@gmail.com and WhatsApp number +2349022406159. And I promise you that your lover will definitely come back to you

Flag |  Apr 12, 2019

1|600 characters needed characters left
5 votes

Dane Sorry to hear about your marriage. If you have children determine if you can file your taxes as Head of Household. Next, be sure to change the beneficiary on your 401K and any life insurance policies and IRA's. You still have 20 plus years of earning potential so don't stress too much. It is a time to reestablish your budget and determine a good deferral percentage and depending on your earnings level a Roth IRA may be possible. Make sure you rebuild your emergency cash reserves. Mark Schreiber CPA

View all 10 Comments   |  Flag   |  Aug 20, 2012 from St Louis, MO
Miss

Hello am Christiana from the united state, i read some testimony about DR.OSUKO on how he has helped people in bringing back there ex within 48hours i was just thinking if that was real,And decided to call a lady who made a testimony about DR.OSUKO her number,So i called her and ask her about DR.OSUKO she said DR.OSUKO is a trustworthy man and he his ready to bring back my lover for me,i was just so happy and a little bit relief that my lover will be back to me soon,Then i decided in contacting DR.OSUKO which i did,And before i could share him my problem he has already told me what i came for,And he said everything will be okay within 48hours that my lover will be back to my arms,So he said he would be casting the spell and that within 48hours my lover would call me,So i hoped so truly before the 48hours i got a call from a man who has left me for the past 6years saying he is sorry and he wants me back,i was happy and i said i also want him back,Then i traveled to canada to meet him up,And he apologized for what he has done to me now he proposed to marry me and we are both preparing for our wedding soon,All thanks to the great and World best spell caster,DR.OSUKO His private mail osukospelltemple@gmail.com

Flag |  Feb 20, 2019
AGUSTINA

My life is full of happiness because Prophet Abulele make me to be happy. My Name is AGUSTINA ALEX, What happened to me is not what I can keep only to myself but to also tell the world so that those that have any problem with their relationship or marriage will get their love ones back and been happy once again. I and my lover had some serious issues which leads to our break up, since after then my life has never been the same, I tried all method to get him back. but they were just waste of effort and waste of time. But one day during my search on the internet, I came across someone testimony about Prophet Abulele. I contact him and explain my problem to him am still very much surprise till now how he was able to bring back my lover within 48 hours. With this great thing that happened in my life I decided to tell the whole world about this great man called Prophet Abulele. For those in need of anything he told me that in his temple there is nothing impossible. I believe him so much. Friends or to anyone reading my testimony, if you need help to bring back your ex-lover/Ex-husband or you want to have your baby please kindly contact him via email; prophetabulelehealingtemple@gmail.com and WhatsApp number +2349022406159. And I promise you that your lover will definitely come back to you

1 like | 
Flag |  Apr 12, 2019

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0 votes
Rich Winer Level 20

Dane, I'm a little late to this discussion but I wondered how you're doing. Have you received good advice, perhaps from a local financial advisor? Have you used any of the advice my colleagues provided? Have you begun to rebuild your retirement savings? I would love to know.

View all 26 Comments   |  Flag   |  May 01, 2013 from Woodland Hills, CA
Olivia

HOW I GOT MY EX HUSBAND BACK WITH THE HELP OF REAL AND EFFECTIVE SPELL FROM DR Osasu My name is Olivia Jayden, I never thought I will smile again, My husband left me with two kids for one year, All effort to bring him back failed I thought I'm not going to see him again not until I met a lady called Jesse who told me about a spell caster called Dr. Osasu , She gave me his email address and mobile number and I contacted him and he assured me that within 48hours my husband will come back to me, In less than 48hours my husband came back started begging for forgiveness saying it is the devils work, so I'm still surprise till now about this miracle,i couldn't conceive but as soon as the spell was cast,i became pregnant and gave birth to my third child,if you need any assistance from him you can contact him via:email: drosasu25@gmail.com Or WhatsApp or call him now: +2347064365391
.
Dr.Osasu also cures:
1. HIV / AIDS
2. HERPES 1/2
3. CANCER
4. ALS (Lou Gehrig’s disease)
5. Hepatitis B?

Flag |  Jul 19, 2019
Olivia

HOW I GOT MY EX HUSBAND BACK WITH THE HELP OF REAL AND EFFECTIVE SPELL FROM DR Osasu My name is Olivia Jayden, I never thought I will smile again, My husband left me with two kids for one year, All effort to bring him back failed I thought I'm not going to see him again not until I met a lady called Jesse who told me about a spell caster called Dr. Osasu , She gave me his email address and mobile number and I contacted him and he assured me that within 48hours my husband will come back to me, In less than 48hours my husband came back started begging for forgiveness saying it is the devils work, so I'm still surprise till now about this miracle,i couldn't conceive but as soon as the spell was cast,i became pregnant and gave birth to my third child,if you need any assistance from him you can contact him via:email: drosasu25@gmail.com Or WhatsApp or call him now: +2347064365391
.
Dr.Osasu also cures:
1. HIV / AIDS
2. HERPES 1/2
3. CANCER
4. ALS (Lou Gehrig’s disease)
5. Hepatitis B?

Flag |  Jul 19, 2019

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