Times are good for the budget conscious and for those who like to track their investments' every move. There are tons of options--many of them free, many of them mobile-friendly--available for keeping tabs on your inflows, your outflows, and your investments. It really never has been easier to keep track of saving and spending.

Does it make sense to convert your traditional IRA to a Roth IRA? If so, when, and over what period of time?

Most of us know that inflation means prices are generally rising and most of us take it as a given that inflation will occur pretty much every year. But what many don’t know is how big of an impact inflation can have on one’s retirement plan.

I have written a number of articles about whether a certain amount of money would be enough to retire with. A million dollars. Two million dollars. I put a hypothetical couple through a hypothetical saving-and-spending scenario, and we see how it goes. I used the WealthTrace Financial Planner to calculate all of the scenarios in this article and you can do the same using our free trial.

When we talk about "asset allocation," we are, broadly speaking, referring to where you're investing your money. Over longer periods, the more willing you are to take some risks with your money in the stock market, the better your returns will be.