Real World, Real Solutions

Even the best-laid plans can run into complications — thanks to luck, timing, or any of the other surprises that life delivers. MoneyWatch met with people from around the country and in all stages of their financial lives, learning their challenges and helping to develop real solutions. Here are their stories.

Your 20s: Molly Laurain

Molly Laurain had a college degree and a knack for real estate, but she entered the job market just as the economy was heading for recession — and the profession she knew best was getting clobbered. Here’s how she landed on her feet, and how we helped her get her financial life into shape to take her career to the next level.

  • Finding a Job, Setting a Budget
  • Budgeting Wisely, Investing Carefully
  • How to Pay for Graduate School

Starting Out: Anna Hennings

At 23, Anna Hennings should be launching her life. But she worries the current downturn will hold her back. MoneyWatch helps her create a solid financial plan.

  • Video: Starting Out in a Recession

Your 30s: Reena and Will Watts

Reena and Will Watts want to feel as if their options for the future are unlimited — although their money isn’t. We show them how to save for retirement and education while guaranteeing a solid financial future for their young son.

  • Prepare for Big Expenses Ahead
  • Save for College and for Yourself
  • Invest for Growth Without Getting Burned

Your 40s: John and Michelle Kazanjian

It’s easy to lose sight of your long-term finances when you’re raising five daughters and running two businesses. But John and Michelle Kazanjian need to get serious — before it’s too late.

  • Time To Focus on the Financial Future
  • Catching Up on College Savings
  • Coping with Real Estate’s New Reality
  • Rebuild Your Investment Portfolio

Changing Careers: Ruth Caspary

Ruth Caspary wants to give up her current job, move to Washington and open up a restaurant or bar. MoneyWatch’s Jill Schlesinger tells Ruth how to make the dream a reality.

  • Video: Making a Career Change Work

Your 50s: Sam and Myrna Cadelinia

With a thriving small business, college bills all paid, and a handsome nest egg, Sam and Myrna Cadelinia thought they had it made. Then the financial crisis slammed the business, and the market crash melted their savings. Here’s how they can rein in their spending and get their retirement savings back on track.

  • Saving Money, Reviving Your Business
  • Create a Budget, Build a Nest Egg
  • Beefing Up Retirement Savings
  • Rebuilding a Small Business

Your 60s: Dan and Barbara Hoffa

With nearly $2 million in savings and a paid-off house, Dan and Barbara Hoffa thought they were secure. Then Dan lost his job, and the crash clobbered their portfolio.

  • Retire in Comfort Despite a Tough Market
  • Boost Your Income on the Verge of Retirement
  • Help an Elderly Parent Without Going Broke
  • Restore a Devastated Nest Egg

Starting Over: Melanie and Nate Einbund

Financial analyst Melanie Einbund is out of work for the first time in 15 years; husband Nate, who works in sales, has seen a slowdown. MoneyWatch’s Jill Schlesinger helps them solidify their financial plan.

  • Video: Starting Over at 62

In Retirement: Don and Sherry Radosevich

Investment losses have forced Don and Sherry Radosevich to reconsider their retirement lifestyle. We show them how to make it work.

  • How to Manage Your Money in a Post-Crash World
  • Escaping the Two-House Cash Crunch
  • Rehabilitating a Lopsided Portfolio

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