Napkins – Retirement – Napkin Finance

More retirement Napkins...

Emergency Fund

Cash Cushion

An emergency fund is your stash of just-in-case money. Along with your insurance coverage, it’s a vital...

Learn more

Risk Tolerance

Appetite for Destruction

Risk tolerance describes how much risk you can (or should) be taking on with your investments. Investing...

Learn more

Roth IRAs

Road to Retirement

A Roth IRA, or Individual Retirement Account, is one of the most common types of retirement savings...

Learn more

How to Save More Money

Keep the Change

Like many good habits, saving more money is easier said than done. Once you’ve gotten into a...

Learn more

Cash Alternatives

Cash In

Cash alternatives are investment types that you can consider as alternatives to simply holding money in your...

Learn more

Active vs. Index Investing

Pick Sides

Active and index investing are two different ways of choosing individual investments. With active investing, investors try...

Learn more

Growth vs. Value Investing

Moves Like Buffett

Growth and value investing are two different approaches to investing in stocks. Growth investors aim to invest...

Learn more

Term vs. Permanent Life Insurance

Life Sentence

Term and permanent policies are the two main types of life insurance. With both types of policies,...

Learn more

Paying For Retirement

Into the Sunset

Retirement may seem like an abstract, far-off goal (unless you’re already independently wealthy or a 401(k) ninja,...

Learn more

ESG Investing

Do the Right Thing

ESG investing means investing in companies that do good (or at least don’t actively do harm). With...

Learn more

Target-Date Funds

Bullseye on Retirement

A target-date fund is an investment fund that’s based on your expected retirement date. These mutual funds...

Learn more


Free for All

Medicare is a health insurance program for retirees that is sponsored by the federal government. It is...

Learn more


Roll With It

A rollover is when you move funds from one retirement account into another, such as from a...

Learn more

Retirement Savings for Contractors

Squirrel Away

If you’re a contractor, saving for retirement can be much more complicated than it is for employees....

Learn more

Asset Classes

Building Blocks

An asset class is a group of similar kinds of investments. It’s a generalization, not a detailed...

Learn more

Financial Advisors

Get Some Help

Financial advisors are experts who can provide financial advice and help you manage your money. Some people...

Learn more

Financial Planning

Ducks in a Row

Financial planning describes the process of mastering your money. It means figuring out where you actually are...

Learn more

Asset Allocation

Divide and Conquer

“Asset allocation” is a way of describing what you own in percentage terms. If you’ve got $1,000...

Learn more

IRA vs. 401(k)

Nest Eggs

IRAs and 401(k)s are two popular types of retirement savings accounts. Most people who work in the...

Learn more


Nickels and Dimes

A budget is a plan you can use to better manage your spending and saving. When you...

Learn more


Spread Your Bets

Diversification is the practice of dividing your money among lots of different types of investments. It’s the...

Learn more


Move Your Assets

Know how self-help gurus are always talking about “finding the balance” in your personal life? That same...

Learn more

Revocable vs. Irrevocable Trusts

In Good Hands

A trust is a legal agreement allowing one person to transfer their assets to someone else via...

Learn more


One Penny at a Time

Savings are funds that you put aside and don’t spend. Life can be full of surprises, both...

Learn more

Municipal Bonds

One for the Road

A municipal bond, or muni bond, is a type of bond issued by a state or local...

Learn more

Charitable Remainder Trusts

Big Love

A charitable remainder trust is a financial tool that can provide a steady source of income while...

Learn more


For Love or Money

A Last Will and Testament, or “will” for short, is a legal document that lets you transfer...

Learn more


Show Me the Money

A dividend is a portion of a company’s profits that is paid to its shareholders in the...

Learn more

Estate Planning

Bite the Dust

Estate planning is the process of figuring out what will happen to your stuff after you die....

Learn more

Reverse Mortgage

Can’t Take it With You

A reverse mortgage is exactly what it sounds like: instead of paying down a mortgage balance every...

Learn more

Mutual Funds

Join Forces

A mutual fund is a professionally managed fund that pools lots of investors’ money in order to...

Learn more


Bonds, James Bonds

Bonds are essentially IOUs. When you buy a bond, you become a lender to whatever entity issued...

Learn more


Greater Good

Philanthropy is giving back. It’s paying forward the resources you have—whether your money, or physical goods, or...

Learn more

Fiduciary Duty

Your Best Interest

A fiduciary duty is a legal obligation to act in another person’s best interest.

Learn more


Handle With Care

A trustee can be an institution or an individual that is given the power to manage and...

Learn more


On Principal

Certificates of Deposit, or CDs, are low-risk investments that pay interest. You can think of them as...

Learn more


Nest Egg

An annuity is a series of regular payments made over a set period of time. Annuities can...

Learn more

Power of Attorney

More Power to You

A power of attorney is a document you can create if you want to give someone else...

Learn more

Social Security

Safety Net

Social Security is a government program that takes in taxpayer dollars and pays out benefits to older...

Learn more


Pennies From Heaven

A trust is a legal document that allows a person (the trustee) to hold the assets of...

Learn more


Piece of the Pie

Investing is putting your money to work in the hopes of earning a return. You probably already...

Learn more


Buy Buy Buy

Stocks are pieces of ownership in companies. If you bought one stock of, say, Amazon, and Amazon...

Learn more

Blue Chips

Steady Eddy

A blue chip is a company that is financially sound and well established. These companies usually sell...

Learn more
By signing up, I agree to Napkin Finance’s Terms of Service and Privacy Policy.

The simple information you need
to clean up your not-so-simple finances.