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	<title>Target 2025 &#187; IRA</title>
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	<link>http://target2025.com</link>
	<description>Retirement Planning in Less Time than You Think</description>
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		<item>
		<title>Retirement Planning: A Cooking Lesson</title>
		<link>http://target2025.com/retirement-planning-a-cooking-lesson/</link>
		<comments>http://target2025.com/retirement-planning-a-cooking-lesson/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 14:25:32 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[401ks]]></category>
		<category><![CDATA[contribution to retirement]]></category>
		<category><![CDATA[contributions]]></category>
		<category><![CDATA[cooking lesson]]></category>
		<category><![CDATA[dreaming of retirement]]></category>
		<category><![CDATA[dreams of retirement]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[practice]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2878</guid>
		<description><![CDATA[There are numerous analogies floating about concerning what retirement is. For each of us it represents something different. Perhaps it is only a dream, distant and more or less unfathomable. For others, it might seem close and still too far enough away to embrace the concept that one day you might actually do something different. And for Baby Boomers, the path is much clearer, the distance much closer and the journey much easier to define. <a href="http://target2025.com/retirement-planning-a-cooking-lesson/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On Investing: Is Set-it-and-Forget-it a Strategy?</title>
		<link>http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/</link>
		<comments>http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 15:10:37 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[401ks]]></category>
		<category><![CDATA[dollar cost averaging]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[index investing]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[set-it-and-forget-it]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2884</guid>
		<description><![CDATA[We have had numerous experts on the show who have suggested that indexing and using ETFs to index the marketplace is hands down the best way to approach the world of investing. In most instances, we view these types of investments as set-them-and-forget them. They offer a simple way to track the marketplace but also provide just enough confusion that using them as the whole of your retirement plan is now consider not only smart but at the same time suggest that it is foolish to construct a portfolio otherwise. <a href="http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
		<wfw:commentRss>http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ETFs: Does the Herd have it Right?</title>
		<link>http://target2025.com/etfs-does-the-herd-have-it-right/</link>
		<comments>http://target2025.com/etfs-does-the-herd-have-it-right/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 17:29:42 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[actively managed etfs]]></category>
		<category><![CDATA[ETF]]></category>
		<category><![CDATA[financial impact factor radio with Paul Petillo]]></category>
		<category><![CDATA[financial products]]></category>
		<category><![CDATA[herd mentality]]></category>
		<category><![CDATA[indexed etfs]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investor biases]]></category>
		<category><![CDATA[trading]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2857</guid>
		<description><![CDATA[What if, that form of herd mentality aside, carried over into a novel investment idea? I use the word novel to suggest recent popularity and it can aptly be applied to exchange traded funds or ETFs. ETFs, have been around for over a decade. Morphing from the world of closed-end funds, they are structured differently than mutual funds and were originally designed for the institutional investor, an entity who purchases such large quantities of securities because a purchase that large might alter the preferred target price. <a href="http://target2025.com/etfs-does-the-herd-have-it-right/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
		<wfw:commentRss>http://target2025.com/etfs-does-the-herd-have-it-right/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Resolve: Six Resolutions for Retirement Planning in the New Year</title>
		<link>http://target2025.com/i-resolve-six-resolutions-for-retirement-planning-in-the-new-year/</link>
		<comments>http://target2025.com/i-resolve-six-resolutions-for-retirement-planning-in-the-new-year/#comments</comments>
		<pubDate>Sat, 31 Dec 2011 15:49:16 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[women and finances]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[Baby Boomers]]></category>
		<category><![CDATA[defined benefit plans]]></category>
		<category><![CDATA[defined contribution plans]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[markets]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[reasonable]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[reward]]></category>
		<category><![CDATA[risk tolerance]]></category>
		<category><![CDATA[women and investing]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2840</guid>
		<description><![CDATA[If you consider yourself a Baby Boomer, the reflection in the mirror is an image that polarizes: we are comfortable in the what the future holds or we are worried. There is good reasons for this feeling of either hope or dispair, with no real middle ground. This group has seen the demise of the defined benefit plan (pensions) and the introduction of the defined contribution plan (401(k)). You have seen the greatest bull market in investing history and witnessed two major crashes that have rattled your confidence in the decade following. You are the first generation to realize that your future is in your hands and you were not ready for the responsibility. <a href="http://target2025.com/i-resolve-six-resolutions-for-retirement-planning-in-the-new-year/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
		<wfw:commentRss>http://target2025.com/i-resolve-six-resolutions-for-retirement-planning-in-the-new-year/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement and Your 401(k): Changes in 2012</title>
		<link>http://target2025.com/retirement-and-your-401k-changes-in-201/</link>
		<comments>http://target2025.com/retirement-and-your-401k-changes-in-201/#comments</comments>
		<pubDate>Sun, 11 Dec 2011 16:03:30 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[401(k) administrative costs]]></category>
		<category><![CDATA[all-in fees]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[contributions]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[long-term returns]]></category>
		<category><![CDATA[matching contributions]]></category>
		<category><![CDATA[plan participation]]></category>
		<category><![CDATA[portfolios]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[savers]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2818</guid>
		<description><![CDATA["I'll do more with my retirement plan next year."  "I can't afford to contribute more than I already am."  "My 401(k) is confusing/costly/ambiguous/inappropriate."  "I'm going to have to work forever, so why bother when I need the money now." These are collection of statements that both drive plan sponsors crazy and offer fodder for those trying to educate the masses on the value of doing as much as you can (if not more) to secure a retirement that, if you are even paying just a little attention to the chatter, more elusive than it has ever been. <a href="http://target2025.com/retirement-and-your-401k-changes-in-201/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
		<wfw:commentRss>http://target2025.com/retirement-and-your-401k-changes-in-201/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your 401(k): When Your Plan Becomes Transparent</title>
		<link>http://target2025.com/your-401k-when-your-plan-becomes-transparent/</link>
		<comments>http://target2025.com/your-401k-when-your-plan-becomes-transparent/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 15:08:59 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[401(k) administrative costs]]></category>
		<category><![CDATA[all-in fees]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[contributions]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[long-term returns]]></category>
		<category><![CDATA[plan participation]]></category>
		<category><![CDATA[portfolios]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[savers]]></category>
		<category><![CDATA[transparency]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2782</guid>
		<description><![CDATA[The majority of us use the 401(k) plan to fund our retirements. The majority of us know, if you have been following this blog, that the cost of these plans, the fees they charge both for the underlying investments and for the administration of those plans, can have a negative impact on the long-term returns those plans provide. Under a financial microscope, your 401(k) may not compare well with other plans in a similar peer offering. But what does this mean to you as the retirement investor? <a href="http://target2025.com/your-401k-when-your-plan-becomes-transparent/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
		<wfw:commentRss>http://target2025.com/your-401k-when-your-plan-becomes-transparent/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Planning: Don&#8217;t Be a Percentage!</title>
		<link>http://target2025.com/retirement-planning-dont-be-a-percentage/</link>
		<comments>http://target2025.com/retirement-planning-dont-be-a-percentage/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 15:02:05 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[goals for retirement]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[market volatility]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement surveys]]></category>
		<category><![CDATA[savings goals]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[working]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2778</guid>
		<description><![CDATA[It is why, when the information culled from a recent Wells Fargo survey expressed as a percentage, that 25% of the adult population would need to work into their eighties, a postponement of retirement that has become newsworthy of late. The survey even suggested that they accepted the fact. <a href="http://target2025.com/retirement-planning-dont-be-a-percentage/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ReBuilding Wealth in a Paycheck-to-Paycheck World</title>
		<link>http://target2025.com/rebuilding-wealth-in-a-paycheck-to-paycheck-world/</link>
		<comments>http://target2025.com/rebuilding-wealth-in-a-paycheck-to-paycheck-world/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 00:18:02 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[women and business]]></category>
		<category><![CDATA[women and finances]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[BlueCollarDollar.com. Target2025.com]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[ReBuilding Wealth in a Paycheck-to-Paycheck World for 2011]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[smashwords]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2656</guid>
		<description><![CDATA[I just published my fifth book - this time with Smashwords! And a special offer to readers of this blog, ReBuilding Wealth in a Paycheck-to-Paycheck World by Paul Petillo is available for a limited time (until 10.29.11) you can use this coupon code to get the ebook for half price or $1.50. The code for the coupon is UJ76Q This ebook is available across all platforms including iPad and iPhone, Amazon and Sony. <a href="http://target2025.com/rebuilding-wealth-in-a-paycheck-to-paycheck-world/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
		<wfw:commentRss>http://target2025.com/rebuilding-wealth-in-a-paycheck-to-paycheck-world/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>403(b): The 401(k)&#8217;s Troubled Little Sibling</title>
		<link>http://target2025.com/403b-the-401ks-troubled-little-sibling/</link>
		<comments>http://target2025.com/403b-the-401ks-troubled-little-sibling/#comments</comments>
		<pubDate>Tue, 06 Sep 2011 14:53:16 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[403(b)]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[403b]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[matching contribution]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[tax deferred]]></category>
		<category><![CDATA[teachers]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2577</guid>
		<description><![CDATA[Labor Day has passed and the passing of that date signals the beginning of the school year with crosswalks filled with school aged kids &#8211; so be cautious out there. But inside the building, there are teachers in the crosswalks<span class="ellipsis">&#8230;</span> <a href="http://target2025.com/403b-the-401ks-troubled-little-sibling/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The &#8220;Now What&#8221; Investment Plan: Part One</title>
		<link>http://target2025.com/the-now-what-investment-plan-part-one/</link>
		<comments>http://target2025.com/the-now-what-investment-plan-part-one/#comments</comments>
		<pubDate>Sun, 21 Aug 2011 17:48:27 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[long-term care insurance]]></category>
		<category><![CDATA[mortgages]]></category>
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		<description><![CDATA[I&#8217;ve been away a couple of weeks on hiatus but there is nowhere in the world you can escape the marketplace concern. We have turned into a nation of economy-watchers. It&#8217;s as if the voyeuristic nature of simply gazing helplessly,<span class="ellipsis">&#8230;</span> <a href="http://target2025.com/the-now-what-investment-plan-part-one/"><div class="see-more">See more &#8250;</div><!-- end of .see-more --></a>]]></description>
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