It’s never too early or too late to start planning for retirement.

In fact, the sooner you begin planning, the better off you’ll be. Here are three retirement planning tips to keep in mind:

The Federal Reserve has raised its target interest rate after five years of record lows. This means you may be at risk of paying more interest on your mortgage, private student loans and car note if you're looking to buy. Here’s a roundup of what this means for you.

Financial Literacy Month is the perfect time to assess your finances and evaluate your level of savings preparedness. If you have an exceptional ability to manage debt, maintain an emergency savings fund and plan your finances, you’re already a great saver. If you want to improve your savings habits, start by asking yourself these questions.

When you receive your tax refund, how do you usually spend it? If you’re one of the many people that views income tax as “extra money,” you might want to change your approach.