Chuck Saletta

The IRS just released a great piece of 401k news when it indicated that contribution limits will increase next year.

Three factors matter most: how much you earn, how long you work, and how old you are when you start to collect.

Avoid them and investing becomes significantly easier.

The Roth 401k can be a tremendous retirement-planning tool -- but there are cases where the traditional alternative may work harder for you.

In any given year, there's only so much you can put in your IRA. Contribution limits may adjust as much as once a year based on inflation.

The Earned Income Tax Credit is a refundable credit that can help people raising a family on low to moderate incomes keep cash in their pockets when they file their taxes.

One of the best investment tools at your disposal is likely your 401k. Millionaire status just may await you if you use that tool to its full potential.

Don't rely too heavily on one company for both your paycheck and your nest egg.

Sure, Social Security is pay-as-you-go, and yes, it's not currently in a perpetually sustainable state. But, most assuredly, it is not a Ponzi scheme.

If you're delaying your Social Security check, you should still sign up for Medicare as your 65th birthday approaches.

You'll likely need to keep part of your money in stocks, even as you shift your focus to generating current income.

The capital gains tax plays a part in many of your investing decisions. It's a good idea to understand how that tax works in order to understand how it affects your finances.

Amassing a million dollars isn't easy -- but it can be done, even on a minimum-wage salary. Here's how to do it.

Every dollar you pay into Social Security is invested to provide for you in the future. The problem: You have no control over how it's invested, and right now the returns it's earning are paltry.

If you're planning for your retirement, some of the best questions you can ask are: "What is an IRA?" and "Is it right for me?"

Even the Social Security Administration admits the program won't be enough to cover a comfortable retirement.

We are all likely to receive Social Security in some form, but some changes are inevitable.

Portfolio diversification provides the closest thing to a free lunch available to investors.

Social Security checks are at risk of falling about 23% within the next two decades. Be prepared to cover that gap if you want to keep the retirement you expected.

If you're still working past your full retirement age, if you expect to have a long retirement, or if you're not comfortable investing, it may make sense to delay your Social Security benefit up to age 70.