When you’re just starting out on your financial journey, you’re told you need to have an emergency fund, but you also need to start saving for retirement.

How do you handle competing financial goals when you’ve got limited funds?

My Money Blog suggests that you open a Roth and invest in something safe like a money market fund in the post Roth IRA Contribution vs. Emergency Fund Savings.  Then in a year or so, when you’ve added more to your Roth IRA, you can move a portion of the money market into riskier investments.

by Jenny McKinney of About.com

The Heinz Family Philanthropies and the Women’s Institute for a Secure Retirement recently released a free online book entitled, What Women Need to Understand About Retirement.

According to this book,

• two-thirds of working women earn less than $30,000 a year
• almost one-half of all women work at jobs that don’t offer any retirement plans
• median income for retired women in 2004 was $12,080 as compared to men’s income of $21,102

This book is available to download or read online at www.womensretirement.org.

See also, Women Need Retirement Plans Too.

Twice a year Kiplinger’s Personal Finance magazine and the National Association of Personal Financial Advisors (NAPFA) team up to provide consumers with free financial advice during Jump-Start Your Retirement Planning Days.

Jump-Start Your Retirement Planning Days is a chance for consumers to get free financial advice by telephone from some of the nation’s top financial advisors.  Consumers can call from 9 a.m. until 5 p.m. EST on Tuesday, Janaury 16th and Friday, January 26th.  Financial advisors will be standing by to answer people’s most pressing retirement questions.