{"id":5906,"date":"2015-06-22T23:49:46","date_gmt":"2015-06-23T03:49:46","guid":{"rendered":"https:\/\/aspire-canada.com\/?p=5906"},"modified":"2017-02-19T11:43:26","modified_gmt":"2017-02-19T16:43:26","slug":"11-common-money-mistakes-people-make-in-their-40s","status":"publish","type":"post","link":"https:\/\/aspire-canada.com\/?p=5906","title":{"rendered":"11 Common Money Mistakes People Make in Their 40s"},"content":{"rendered":"

11 Common Money Mistakes People Make in Their 40s<\/h2>\n
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Your 40s represent a unique period in your financial life. You’re older, wiser and well-established, but there are still a few things you have yet to figure out \u2014 like how to afford your children’s college education<\/a> and where you’re going to retire.<\/p>\n

Though you might feel settled, becoming complacent could impact your financial well-being. Don\u2019t fall prey to these common money mistakes that people often make in<\/a> their 40s.<\/p>\n<\/div>\n<\/div>\n

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1. Not Having a Plan for Your Money<\/h2>\n

The bar has been steadily rising for 40-somethings who are working to maintain their place in the middle-class pack, noted economist William Emmons of the Federal Reserve Bank of St. Louis. On top of that, many Generation Xers took a financial torpedo during the Great Recession right at the time they were stretching to afford housing and establish careers. \u201cThat’s the group we feel maybe doesn’t get enough attention for having suffered a great deal in this cycle,\u201d he said.<\/p>\n

Forty-somethings who are just now recovering from losing a house or a job need to make a plan for their money now and stick to it. \u201cIf you’re reeling from this blow financially in your 40s, there’s not a lot of time to recover,\u201d he said.<\/p>\n

Read:\u00a0Retirement by 40:Is it Doable?<\/strong><\/em><\/a><\/p>\n<\/div>\n<\/div>\n

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2. Not Maintaining Enough Liquidity<\/h2>\n

A lack of access to cash in an emergency sends many Gen-X families to predatory payday lenders, Emmons said. \u201cIt should be a high priority to have enough cash reserves so that you don’t have to go to a high-cost lender or to sell off assets or pass up opportunities when they arise,\u201d he said.<\/p>\n

If you don\u2019t have an emergency fund by this point, you might need to make some aggressive moves to establish one. The short-lived sting will pay off big over the years.<\/p>\n<\/div>\n<\/div>\n

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3. Letting Your Emergency Fund Fall Behind Your Growth and Expenses<\/h2>\n

If you\u2019ve had an emergency fund in place for years now, don\u2019t pat yourself on the back too hard. Many people realize in their 40s that their emergency funds now fall woefully short of supporting their larger incomes and budgets.<\/p>\n

Whether your cash reserves have kept pace with your budget or not, when you\u2019ve reached your 40s, it\u2019s time to invest your emergency fund for maximum growth while keeping your funds liquid.<\/p>\n<\/div>\n<\/div>\n

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4. Getting Complacent About Carrying Consumer Debt<\/h2>\n

It\u2019s easy to get too comfortable when you\u2019re tucked into a good job and cozy home. Don\u2019t get complacent about carrying consumer debt. \u201cNot that everyone that has borrowed has trouble, but people who have trouble typically have borrowed,\u201d Emmons said. Limit your exposure to debt, and don\u2019t use a current position of strength to justify putting yourself in precarious position.<\/p>\n<\/div>\n<\/div>\n

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5. Prioritizing Paying Off the Mortgage<\/h2>\n

Some people crave the security of owning their home free and clear, but putting your mortgage ahead of other financial obligations is almost always a bad idea. Before you pay off your home, Dave Ramsey recommends<\/a> paying down all your other debt, establishing your retirement savings and setting your children\u2019s college funds into motion.<\/p>\n<\/div>\n<\/div>\n

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6. Assuming Remodeling Will Add Value to Your Home<\/h2>\n

The luxurious bathroom remodel you feel brings a little slice of heaven to your humble cottage-style home might be exactly the thing a potential buyer will want to rip out and redo. Don\u2019t count on others to value remodeling and renovations the same way you do. Overcustomization can\u00a0lower the value of your home.<\/p>\n<\/div>\n<\/div>\n

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7. Putting Kids\u2019 College Ahead of Retirement Savings<\/h2>\n

When your family, friends and neighbors are putting their kids through college, the pressure\u2019s on to do the same \u2014 but if your retirement savings aren\u2019t already on or ahead of target, funding the kids\u2019 education is the wrong move. Your children can take out a loan for their education, but you can’t take out a loan to live on during retirement. Treat this like putting on your own oxygen mask first in case of an airplane emergency and don\u2019t help the kids until you\u2019ve helped yourself.<\/p>\n

Related: 13 Types of Alternative Investments<\/a><\/em><\/strong><\/p>\n<\/div>\n<\/div>\n

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8. Dipping Into Your Retirement Funds<\/h2>\n

The power behind retirement savings is time \u2014 time for interest to work its magic, time for the market to lean your direction over time. When you dip into your retirement funds, even with the best of intentions, you take away the very time that makes long-term savings so effective. Cashing out your 401(k) before you are 59\u00bd means not only an ugly 10 percent penalty on top of federal and state income taxes but also zero in reserve working its magic over time.<\/p>\n<\/div>\n<\/div>\n

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9. Not Diversifying Your Investments and Savings<\/h2>\n

The reason boomers came out of the recession in better shape than Gen Xers is that they had diversified their savings and investments. \u201cIt’s true, the stock market crashed at the same time as the housing market did \u2014 but the stock market came back,\u201d Emmons said. \u201cOlder people tend to be more diversified, so they have done very well in that regard.\u201d Don\u2019t throw all your eggs into one basket, he advised, whether that\u2019s your house or a particular investment.<\/p>\n<\/div>\n<\/div>\n

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10. Considering Being Risk-Averse a Bad Thing<\/h2>\n

“It doesn’t get glamorized the way entrepreneurs and risk-takers [do], but being risk-averse is a very good strategy for most people,\u201d Emmons said. \u201cAnd by that I mean keeping your checking account stocked so you have emergency cash, having a very diversified portfolio and keeping your borrowing very low,” he said. “Control the things you can control \u2014 so reduce risks and be boring and conservative and prudent.\u201d<\/p>\n<\/div>\n<\/div>\n

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11. Assuming Your Best Earnings Are Still to Come<\/h2>\n

It\u2019s easy to assume that your income will always grow the way it has so far in your career. \u201cIncomes rise in their 20s and 30s and a little bit in their 40s, but peak earnings are usually around 50,\u201d Emmons said. For people with more education, that peak comes a little later but is generally stronger, with more of a peak and more of a falloff.<\/p>\n

Forty-somethings should plan not only for a flattening income curve but increasing concern for job security. \u201cThere’s more risk as you get older,\u201d Emmons said. \u201cIt is a little more difficult if you lose your job, the company shuts down or you lose your job for whatever reason,” he said. “It’s illegal to discriminate against someone based on their age, but we know that there are some difficulties.\u201d<\/p>\n

It\u2019s easy to become complacent once you\u2019ve reached your 40s, but don\u2019t set your finances on cruise control just yet. Keep your head up for what\u2019s just ahead to prevent poor assumptions and common mistakes from tanking the financial security you\u2019ve worked so hard to build.<\/p>\n

This article originally appeared on GOBankingRates.com: 11 Common Money Mistakes People Make in Their 40s This article by Lisa Poisso first appeared on GoBankingRates.com and was distributed by the Personal Finance Syndication Network.<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

11 Common Money Mistakes People Make in Their 40s Your 40s represent a unique period in your financial life. You’re older, wiser and well-established, but there are still a few things you have yet to figure out \u2014 like how to afford your children’s college education and where you’re going to retire. Though you might…<\/p>\n

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