Top 10 Jean Chatzky Quotes

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Whether it's fly-fishing, taking your camper to the Everglades, or just traveling, everyone has got a little retirement dream.

The older you are when you buy an annuity, the shorter your life expectancy will be - so the greater a monthly paycheck the same sum of money will buy you. When interest rates are higher, the size of the paycheck for the same sum of money will rise also.

Many people focus on the 4 percent rule, which essentially says that as long as you withdraw no more than 4 percent from your retirement accounts each year, the money should last you 30 years.

Anticipating a boomerang child seems the odds-on thing to do. Think about furnishing - hello, sleeper sofa - with this in mind.

Just because someone will lend money to you doesn't mean you should borrow it.

You'll get the biggest bang for each buck by paying off the highest interest rate debt in your portfolio first, while making minimum payments on the remainder. It's called the avalanche method, and it gets you out of debt cheapest and fastest.

There's a laundry list of reasons why not to borrow from your 401(k). While the money is on loan, it's not working for you - and if you leave your job, you'll have to pay it back in 60 days or treat it as a taxable withdrawal.

Weak passwords are a crook's best friend. Make yours long and complex, and change them often - not just on your bank account but on your email and social media, too.

Taking a shuttle or even paying for a taxi to a rental office that's a few miles away from the airport can mean a lower rate - 50 percent lower is common - for the same car, from the same company, for the same length of time. Many companies run free shuttles from some of the major airports.

Older couples bring obligations such as support payments and debt as well as decades of financial experience to a marriage.

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