Five Ways to Manage Your Debt, Retirement as a Goal Rather Than a Vision, Three Smart Money Moves for Fall

The Theory of (Financial) Relativity | Think of Retirement as the Goal, Not the Vision | Invest Like the Rich: Are Direct Investments Right for You? Created for {EMAIL} | [Web Version]( September 6, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Personal Finance [] [The Theory of (Financial) Relativity]( [The Theory of (Financial) Relativity]( (Getty Images) We all like to compare our own finances to how others appear to be doing, but financial adviser Andrew Rosen's shower-inspired theory makes it clear that [personal finances are relative](. [] Retirement Planning [] [Think of Retirement as the Goal, Not the Vision]( [Think of Retirement as the Goal, Not the Vision]( (Getty Images) Once you get to retirement, what are you going to do? Financial expert Alex Kirby makes the point that asking yourself some key questions as you approach that milestone can help you [shape your vision of what's next](. [How To Get Premium Financial Advice at a Low Cost]( Vanguard advisors are fiduciaries, and they don't earn commissions—so you can trust they'll always put your interests first. You get advice that's tailored to your unique goals. [Take the first step with Vanguard today](. Paid non-client promotion [GET STARTED]( ADVERTISEMENT [] Investing [] [Invest Like the Rich: Are Direct Investments Right for You?]( [Invest Like the Rich: Are Direct Investments Right for You?]( (Getty Images) Alternative investments like these can help diversify your portfolio, but while the [payoffs can be bigger](, the risks are a lot bigger, too. CFP Thomas Ruggie outlines the pros and cons. 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