My Emma

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Will the retirement 4% rule work for you?

<i>I'm in my mid-60s and plan to retire this year. I've heard that if you want your money to last 30 years you should follow the 4% rule. But how much can I safely withdraw if I need my money to last only 20 years? --John, Connecticut</i><p>The 4% rule -- initially withdrawing 4% of retirement savings and …

Key Question For Millennial Job-Switchers: What To Do With Your Old 401(k)?

If you are even a few years into your career and have taken any interest in saving for retirement you’ve surely heard this advice: stash at least enough in your 401(k) to snag your employer’s match. Good advice, and maybe you’ve taken it. But even if you haven’t paid any heed, you might have money …

How To Trick Your Brain To Hold On To Positive Habit Changes

You start strong, with great intentions, but soon that new habit falls to the wayside. Here’s how to cement it into your daily life.<p>We truly are creatures of habit.<p>Nearly half of our everyday behaviors tend to be repeated in the same location almost every day, according to research out of Duke …

How Sleeping Too Little Is Ruining Your Cognitive and Emotional Performance

The impact of 'burning the midnight oil' is more far-reaching than you think.<p><i>Firas Kittaneh is the CEO and co-founder of One Mall Group, a group of specialty e-commerce brands including Amerisleep, an eco-friendly luxury mattress company. His award-winning team is focused on bringing housewares</i> …