Both retirement savings and homeownership can support long-term financial independence, but only when the right questions are addressed first. Timing, balance, and execution—not impulse—ultimately shape the outcome. By Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer® President Trump has floated the idea of allowing 401(k) savers to use a portion of their retirement contributions toward a down payment on a home. While the details are still emerging, the proposal raises an

by Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer® Financial Planning Question: How should two people split rent when one earns significantly more than the other? Answer: Start by choosing the proper framework: Will your arrangement take a business or an emotional approach? This single decision shapes everything that follows. 1. Emotional Approach This is where many couples, friends, or partners  begin—especially when one person earns more than the other. Income differen