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Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

What is the Retirement Saver's Tax Credit? Do You Qualify? Photo of Lance Cothern Lance Cothern What is the Retirement Saver's Tax Credit? Do You Qualify? Saving for retirement may seem difficult or impossible if you don’t have a high... How the Government Shutdown Affects Furloughed Employees Financially Find out how the 2019 government shutdown affected furloughed employees and contractors financially because they're not getting paid during this time. How to Get Health Insurance Coverage Without Medicare Learn how you can still get health insurance coverage if you're not eligible for full (or partial) Medicare benefits. 6 Ways You Can Set Up Savings for Your Grandchildren Photo of Lance Cothern Lance Cothern 6 Ways You Can Set Up Savings for Your Grandchildren Most grandparents love helping out their grandchildren when they can. Some... What Would Be Considered a Financial Emergency? Photo of Lance Cothern Lance Cothern What Would Be Considered a Financial Emergency? Building an emergency fund can take months or years of diligent saving. When it... What You Need To Know About ABLE Accounts Learn all about how ABLE accounts work for people who have disabilities and seek out tax-advantages for their healthcare expenses. The Biggest Fees That Are Hurting Your Retirement Savings Find out which fees are hurting your retirement savings the most -- and what you can do to avoid or minimize those fees for faster growth of retirement savings. How to Withdraw Money From 401(k)s and IRAs During Retirement Photo of Lance Cothern Lance Cothern How to Withdraw Money From 401(k)s and IRAs During Retirement If you’ve built a nest egg big enough for retirement, congratulations! You may... 529 Plan vs. Coverdell Education Savings Account (ESA): Which Is Better For Future Education Expenses? Photo of Lance Cothern Lance Cothern 529 Plan vs. Coverdell Education Savings Account (ESA): Which Is Better For Future Education Expenses? Saving to help put your kids through college is an enormous task. However,... What to Do If Social Security Benefits Aren’t Enough for Retirement Find out what you should do when Social Security benefits do not provide enough retirement income to maintain the lifestyle that you desire.