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Your 401(k) plan options probably include at least one target-date fund. Joe Anderson, CFP\xae and Alan Clopine, CPA discuss this one-step strategy for investing for retirement in episode 72 of the YMYW podcast, then answer listeners' investing questions. Original publish date October 8, 2016 (hour 2). Note that content may be outdated as rules and regulations have changed.

00:00 - Intro

02:47 - \u201cUnfortunately, a lot of you are not using these target-date funds correctly\u2026first of all, a target-date fund has its own allocation.\u201d

07:53 - \u201cThere are two expenses in any investment: expense ratios and then the other cost is risk.\u201d

11:32 - \u201cShould I withhold my taxes when purchasing a home?\u201d

17:06 - \u201cWill I be taxed if I don\u2019t touch the funds in a transferred IRA?\u201d

19:21 - \u201cWe now have a monthly standing lunch n\u2019 learn; it\u2019s called Road to Retirement\u2026it\u2019s an introduction to financial planning and the key areas you should look at. We\u2019ll go into some specific strategies when it comes to taxes, Social Security, investments.\u201d

22:02 - \u201cWhat are the pros and cons of investing before/after tax dollars into a 401(k)?\u201d

26:34 - \u201cIf we were disciplined enough to save those tax savings and invest it, we\u2019d probably come out ahead\u2026but most of us don\u2019t do that and we just spend whatever we have.\u201d

28:59 - \u201cWhat should I do with my portion of my ex-husband's IRA?\u201d

32:47 - \u201cI am 51 years old and finally in a job which offers a 401(k) option\u2026should I invest in my 401(k) or pay off my debt?\u201d

35:58 - \u201cEven if I don\u2019t have an [employer] match, I still want to save for retirement and I don\u2019t want to ignore it. The longer you give that money to compound, the more you\u2019re going to have. So the sooner you start saving, the better.\u201d