结婚前先查查伴侣的银行信用

Time now for the Help Desk where we have answers to your financial questions. Joining me this hour, Ryan Mack is the president of the Optimum Capital Management; Laura Rowley is from Yahoo Finance. Ok, I've got an email for you from Mary in Florida. She says my son and his girl friend are considering marriage, but she has awful credit. If they marry, will he be affected by her poor credit?

Laura, I smell a mother-in-law was worried about the family finances.

I know. The daughter might wanna check out the mother-in-law while the son checks out the daughter-in-law's credit. You know, it's not as if their scores will merge. Everyone has an individual credit score. So technically, no. It's not gonna affect him. But poor credit scores are usually caused by things like paying bills late or not paying them at all, or maxing out your credit. So they need an honest discussion about why her score is low, maybe she was unemployed, she had an illness and she got behind on the bills. But if that's not it, talk about how much do we earn, how much do we spend, what kind of budget can we do together and what are our financial goals when we get married. And how we gonna manage mother-in-law.

I know savers and spenders sometimes attack to each other. That means you have to figure out exactly how to have harmony in the financial part of the relationship.

I hear from Lorry, can you put your retirement account on hold when you become unemployed? Do you have any advice regarding retirement accounts for people who haven't had a job for a while, Ryan?

Well, honestly, if you still have a retirement account of 401K and you haven’t rolled over yet. I'm a big advocate of rolling that money over to a Rollover IRA. You have more control over it. You avoid 10% penalty fees and you get the routine. They have more options that you can invest from as opposed to traditionally your 401K program. But there are a few opts if you wanna take that money out. If you're over 55 years of ages, and you have 401K, you can actually start to take that money out penalty free. If you have an IRA, you can start making withdrawals, essentially called SEPP withdrawals, Substantially Equal Periodic Payments. Essentially that means that from over 59.5 or 5 years you are allowed to take that money out as long as you make equal payment every single year and you keep that for the longer value between 59.5 or 5 years worth of time.

Alright, Ryan Mack and Laura Rowley, thank you both of you!

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