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                	       		               	       			|  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  | ![7/18/2014 11:38:08 AM -- Swampscott, MA, U.S.A  -- USA WEEKEND personal finance advice columnist, Robert Powell --    Photo by Josh T. Reynolds for USA WEEKEND ORG XMIT:  JR 131396 USAW - personal  7/18/2014 [Via MerlinFTP Drop]](http://www.gannett-cdn.com/-mm-/2e3ff9c962655a40172dd7e53196b151c7a3e12b/c=0-147-4271-3358/local/-/media/2015/01/30/USATODAY/USATODAY/635582188099595759-XXX-ROBERT-POWELL-08-65977970.JPG)  |  | Do you pay Social Security taxes or 401(k) distributions?
 
 |  |  |        							      								|       										      											|  | money |  |  |  |        											|  |   |  | It's always darkest before it's pitch black.
 
 |  |  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  |   |  | The wealthiest counties tended to be located just outside a major metropolis.
 
 |  |  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  |   |  | Target-date funds are taking over 401(K) plans as employers increasingly make them the default option in retirement plans, said Jake Gilliam, Sr. Portfolio Manager for Charles Schwab Investment Management.
 
 |  |  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  |   |  | Rates still remain near historically low levels.
 
 |  |  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  |   |  | Before the financial crisis banks were telling most people yes to a home loan -- now they are saying maybe.
 
 |  |  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  |   |  | Hint: It's more about showing people what you're made of than telling them.
 
 |  |  |        							      								|       										      											|  | columnist |  |  |  |        											|  |   |  | A number of states are considering legislation to help Americans save for retirement
 
 |  |  |        							      								|       										      											|  | Personal Finance |  |  |  |        											|  |   |  | Investment education is getting less stuffy -- and targeting young professionals.
 
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