Question: With stocks overvalued and bonds looking riskier than ever, if interest rates go up it’s really hard to know where to put your money. Are there asset classes that are being overlooked?
Question: I am in a rut in my job and I’m not sure how to get out of it. I just can’t see myself doing this for 20 or 30 more years. But I have no idea what I would do otherwise. I keep my eye on the jobs websites, but there’s really nothing there. Where do you suggest I look?
Question: I am in my 20s and just starting out in my career. I took just enough economics in college to be dangerous. But everything I read about the world financial situation, with debt levels and sluggish economies, has me very worried. Do you think we will be the first American generation to be worse off than our parents?
Question: We’re looking at retirement within a year or two. I’ve been fortunate enough to work for a company that provides me with a pension. Between the pension and our Social Security, we’re actually going to get a raise in retirement. We’ll have more than enough to live on. Plus we have a lot of money put back in our 401K plans. A lot. I now realize we may never touch that money. What should we do with it now?
Question: I have worked at the same place for over 20 years. I can probably retire in five to ten years. But things have changed so much at work. I feel ignored, overlooked and totally taken for granted. My pay has not gone down, but that’s not all there is to a job. Do I hang on and hate it, find a new job (not easy to do!) or just retire now and keep my sanity?
Question: I have lived longer than I thought I ever would. I’ve been blessed with several children and grandchildren. Now I am faced with the possibility that I could outlive some of them. What would happen if I live longer than one of my children? Would their children get their portion of my estate? I have one child who never had any children of her own.
Question: I try to keep up with financial news a little, and I keep hearing about something called negative interest rates. What are they and do they have anything to do with me?
Question: I struggle with follow through. I’ve made several financial promises to myself, but I just don’t keep up with the details. The only thing I can say I’ve ever done consistently is my 401k, and that’s because it happens automatically and I never think about it. What can I do to improve my follow through?
Question: I am realizing that the dramatically lower price of oil could affect my job, even though my work is not directly oil field related. All the uncertainty has me wondering how effective long-term planning can be during times like these. What do you think?
Please review Important Disclosure Information set forth in the last section of this web site.
Copyright © 2026 Byron Moore, CFP® & Mike Jones. All rights reserved.
Please review Important Disclosure Information set forth in the last section of this web site.
Copyright © 2026 Byron Moore, CFP® & Mike Jones. All rights reserved.