We have a great lineup of your social media questions. We have received so many positive comments about these episodes. If you have a question for us please email to podcast@rocklandusa.com <\/p>\n\n\n\n
**This post may contain affiliate links, and we may be compensated if you make a purchase after clicking on the affiliate and\/or partner links. <\/p>\n\n\n\n
QUESTION 1<\/strong><\/p>\n\n\n\n I know we\u2019re supposed to save 15% of our monthly income as BS4. My husband and I were both previously teachers, so we get 26.7% of our highest salary once we turn 65. We\u2019re now in different careers. My employer matches 3%, so that\u2019s what I\u2019m investing now. With all that in mind, do we still need to save 15% for BS4? Obviously the more the better, but we also have three children and don\u2019t want to wait too long for BS5.<\/p>\n\n\n\n QUESTION 2<\/strong><\/p>\n\n\n\n I work 12 hour rotating shifts as an IT analyst at our local hospital but I\u2019m looking for a side hustle to help myself become a little more \u201cgazelle intense.\u201d Any ideas for something I could do from home on my days off, or at nights after the kids are in bed? Trying to take as little time away from them as possible<\/p>\n\n\n\n QUESTION 3<\/strong><\/p>\n\n\n\n I currently make 71.5k a year (gross) however this year with my bonus I\u2019ll make 76k (gross) but I started working in June of this year. I picked up a second job waiting tables part time. How will the second income impact my taxes and whatnot? I just graduated university so this will be my first year filing taxes for having a full time job.<\/p>\n\n\n\n QUESTION 4<\/strong><\/p>\n\n\n\n Is it a good idea to use my emergency fund to payoff the last of my credit card debt? It\u2019s my last debt before I\u2019m done baby step 2 and I\u2019m just ready to get it over with.<\/p>\n\n\n\n Sponsored by Choice Realty Connect :<\/strong> https:\/\/choicerealtyconnect.com\/<\/strong><\/a> when you are wanting to buy or sell a home, condo or any type of property. Trust Amanda to help match you with up to 3 top agents in your area.<\/p>\n\n\n\n BESTOW – Fast, Free Quote on affordable online term life insurance. No exam, no waiting, no hassles: <\/strong>https:\/\/tinyurl.com\/y79pywmw<\/strong><\/a><\/p>\n\n\n\n WEBULL – Get 1 FREE stock valued up to $1,200 here<\/strong>: https:\/\/act.webull.com\/kol-us\/share.html?hl=en&inviteCode=HvpbX35EsVmn<\/strong><\/a><\/p>\n\n\n\n Website: <\/strong>https:\/\/netcast.one\/rotm2\/<\/strong><\/a> We have a great lineup of your social media questions. We have received so many positive comments about these episodes. If you have a question for us please email to podcast@rocklandusa.com **This post may contain affiliate links, and we may be compensated if you make a purchase after clicking on the affiliate and\/or partner links. […]<\/p>\n","protected":false},"author":1,"featured_media":2950,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"episode_type":"audio","audio_file":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2021\/11\/ROTM-EP146.mp3","cover_image":"","cover_image_id":"","duration":"20:53","filesize":"20 MB","date_recorded":"2021-11-17","explicit":"","block":"","itunes_episode_number":"146","itunes_title":"Cargo ships and Holiday Shopping; Caution when buying Gift Cards; Using Emergency Fund to pay off Credit Cards","itunes_season_number":"","itunes_episode_type":"full","filesize_raw":"21393695"},"tags":[111,117,142,153,159],"series":[234],"coauthors":[284],"episode_featured_image":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/10\/ROTM-EP82-mp3-image.jpg","episode_player_image":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/04\/album-rockonthemoney1410-10.jpg","download_link":"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-download\/3224\/ep146-cargo-ships-and-holiday-shopping-caution-when-buying-gift-cards-using-emergency-fund-to-pay-off-credit-cards.mp3","player_link":"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/3224\/ep146-cargo-ships-and-holiday-shopping-caution-when-buying-gift-cards-using-emergency-fund-to-pay-off-credit-cards.mp3","audio_player":"\n
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Call us with your questions : 989-888-ROCK (7625)<\/strong>
Facebook Group: <\/strong>https:\/\/www.facebook.com\/groups\/your401k\/<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"