Ask The Expert
Though the urge to pay off student loan debt sooner is understandable, building savings may be a more practical use of extra income. It depends on your student loan rate and potential investment return rate.
Prioritizing debt should involve keeping up with all your minimum monthly payments and then targeting your most expensive source of debt.
You can change investment vehicles within an IRA, but you should be careful to do it in a way that avoids tax consequences.
There are many payment options for handling an online purchase today, but be aware of the risks and benefits of using an ATM card versus a credit card.
Choosing a bank for your rollover is probably the most straightforward approach. This should help shield you from incurring tax consequences on your rollover before you need to, and give you ready access to a range of CD products for constructing a CD ladder (i.e., a series of CDs with staggered maturities).