Blog - Appreciation Financial

14 DecTraditional IRA vs. Roth IRA – Which Is Right For You?

No matter who you are, the retirement saving process can be confusing. It can be tricky understanding the differences in a Traditional IRA vs. Roth IRA- and knowing which one is best for you. At Appreciation Financial, we work to help teachers and other public...

03 DecWhich States Have the Lowest Teacher Salaries?

Posted at 14:01h in Financial Planning

With average teacher salaries decreasing in the past decade, it can be tough to make a living as an educator in America. Nowhere is that more apparent than in these states with the lowest teacher salaries in the country. Click here to see read part...

30 OctWhich States Have the Best Salaries for Teachers?

Posted at 13:00h in Financial Planning

Teacher salaries in the U.S. have been historically low compared to other professions with similar skill requirements—roughly 20% lower, in fact. So, if you are thinking about becoming an educator, you are probably wondering: which states offer the best teacher salaries? At Appreciation Financial, we want...

19 OctTop Three Ways to Eliminate Debt – Even on a Teacher's Salary

Posted at 15:26h in Financial Planning

Whether it is student loans, credit cards, or car payments, going into debt almost seems to be a rite of passage in modern America. But debt hinders the American Dream for many. Recently, millions of Americans have been feeling the financial burden of employment loss, a...

05 OctSix Key Retirement Planning Steps for Public Employees

Posted at 12:00h in Retirement Planning

The retirement planning process can be tricky. The average American spends roughly 20 years in retirement and many employees are unprepared or lack the funds to see them through. At Appreciation Financial, we specialize in helping teachers and other public employees plan for retirement. Follow...

02 OctCan State Employees Borrow from their Retirement?

Posted at 13:44h in Retirement Planning

As a teacher, you may be wondering, “Can I borrow from my TRS?” Borrowing money from your teacher retirement system (TRS) is not ideal. But, if you find yourself in a pinch, and need money fast, it may be the only option. At Appreciation Financial, we...

22 SepHow Much Should Teachers Save For Retirement?

Posted at 12:40h in Retirement Planning

Some say having $1 million in savings will set you up for a comfortable retirement. Is this possible for teachers? Is it necessary to save this much? If you wanted to try, how would you do it? How Much Should a Teacher Save for Retirement? Save a...

18 SepBest Teacher Retirement States By Cost Of Living

Posted at 16:12h in Retirement Planning

Planning your retirement can be challenging. There are many factors to consider, and these important factors may differ depending on the state in which you live. At Appreciation Financial, our agents genuinely want to help you better understand your retirement journey and see you through...

14 SepBest States for Teachers to Retire in – Part 1

Posted at 12:20h in Retirement

Whether you are just starting your teaching career or retirement is just around the corner, planning out where to spend your retirement can be just as important as planning how you get there. At Appreciation Financial, our agents genuinely want to help you understand the...

10 SepWhen Should You Aim to Retire From Teaching?

Posted at 14:32h in Retirement Planning

The average retirement age in the U.S. is 62, but teachers typically retire a few years earlier. Nowadays, you can expect to live 20 years past your retirement age. This leaves you asking the question, “How do I know when to retire from teaching and...