Amelia Timbers

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Money 101: Why You Need A 401(k) Now

Retirement seems so far away. Then again, so did 30 and that’s all up in my grill. Like other distant things, thinking about retirement is easy to delay in favor of the triage of daily life. But objects in the mirror are closer than they appear. Since there’s no way to rapidly save for retirement…

Amelia Timbers / December 6, 2010

Cash & Coupling: Seriously, Ladies, Get A Damn Prenup!

Prenups are a backup plan. Like any other backup plan — the fold-up flats in your purse, tampons in your desk drawer at work, the rape whistle on your keychain — you don’t expect to use it, and you really hope not to, but thank God it’s there when you need it. For women, divorce…

Amelia Timbers / December 2, 2010

Cash & Coupling: How To Make A Divorce Suck Less Financially

Last time in Cash & Coupling, we covered how to go into a marriage making financial choices that would benefit you in the event of a future divorce. But what about after disaster strikes and the marriage is over? (I know, we’re thinking real positive around these parts.) Here are five tips designed to hel…

Amelia Timbers / December 1, 2010

Cash & Coupling: Divorce In Your Future? Here Are 4 Steps To Take Before You Tie The Knot!

When I think prenup, I think Donald Trump protecting his vast fortune from gold-digging spouses. But this is an outdated point of view. Getting a prenuptial agreement is actually a very savvy move for a pragmatic couple. Prenups are an example of one of the important financial choices women can make from the outset of…

Amelia Timbers / November 19, 2010

Money 101: How To Meaningfully Reduce Your Expenses

Financial tips like “skip your latte” are obnoxious. So are suggestions to camp rather than stay in hotels, separate two-ply toilet paper and cook eggs in the dishwasher. After all, I don’t want my life to suck. While it’s true that incremental expenditures add up over time, the biggest factors affecting spending have to do…

Amelia Timbers / October 4, 2010

Money 101: How To Save For The Big Stuff

Let’s face it, saving money is a bitch. But all the big stuff in life — car, college, marriage, kids, travel — have equally big dollar signs attached. To minimize debt, saving for these expenditures ahead of time is important. Here are six effective strategies to set money aside — and keep it there.

Amelia Timbers / September 29, 2010

Money 101: 3 Very Good Reasons Not To Buy A Home — Yet

During a coffee break at the Boston Federal Reserve’s housing crisis conference, I answered my 23-year-old, unemployed, freshly engaged sister’s phone call. She and her (also young but at least employed) fiancé were shopping for homes near San Francisco, where housing prices start above half a million dollars, and wasn’t I so excited for her?

Amelia Timbers / September 21, 2010

Money 101: 11 Personal Finance Reads To Change Your Life

In finance, there’s a canon that everyone on Wall Street has read: Benjamin Graham, Adam Smith, and Robert Schiller. But no canon exists for personal finance. In fact, most personal finance books are a frustrating waste of time and money. From Suze Orman’s factually incorrect information to Jim Cramer’s super-caffeinated hysteria, it’s a sad field…

Amelia Timbers / September 17, 2010

Money 101: 4 Secrets For Financing Grad School

“Don’t you have a daddy?” the professor sitting across from me asked. I smiled a little. Was he was joking? Or hitting on me? Nope, he was serious and thought my father was paying for my legal education. Though I’ve been independent for years, my law school’s financial aid office had a similar attitude, telling…

Amelia Timbers / August 30, 2010