It's a common question: "Should I use a Roth IRA rather than a traditional IRA?" A similar question is, "Should I transfer money from a traditional IRA to a Roth IRA?"

When the question "How much do you need to retire" comes up, most people reflexively think of a target to hit. A million dollars, two million dollars. If I can just get to a certain amount, people think, I'll be set.

It once seemed impossible, but many developed nations are pushing interest rates into negative territory- http://www.latimes.com/business/la-fi-negative-interest-rates-20160219-story.html.

Retiring "early" means different things to different people. But let's just say retiring before age 60 constitutes an early retirement for most people.

There lots of basic things that everyone should be doing to save money. You have probably heard these before, but they bear repeating.