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Nina Semczuk, CEPF®

Nina Semczuk makes personal finance accessible. A former Writer/Editor and homebuying expert for SmartAsset, she started her path toward financial literacy at fourteen after filling out her first W-4 and earning her first paycheck. Since then, she's navigated the world of mortgages, VA loans, Roth IRAs and the tax consequences of changing states or countries at least once a year. Nina specializes in mortgage, savings and retirement education. She is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society for Advancing Business Editing and Writing. Nina is a graduate of Boston University and served as an officer in the military for five years. Find her work on The Muse, Business Insider, Fast Company, Forbes and around the web.

Posts by Nina Semczuk, CEPF®

401(k) Withdrawal Taxes

What Is the 401(k) Tax Rate for Withdrawals and How Are They Taxed?

One of the most attractive features of a 401(k) plan is that you can contribute pretax dollars throughout your career. This reduces your taxable income and allows you to contribute more to your retirement with each paycheck. That said, you’re… Read more…

SmartAsset: How to Invest $50,000

How to Invest $50,000

Start with giving yourself a pat on the back. Whether you saved $50,000 by diligently setting aside a portion of your paycheck or you came into money through an inheritance, you now have a tidy sum to grow. Investing is one… Read more…

Inherited IRA Rules for Traditional and Roth IRAs

Inheritance Rules for Traditional and Roth IRAs

Inheriting an IRA, whether a traditional or Roth account, comes with certain responsibilities. The rules for an inherited IRA depend on the specifics of your situation, as well as the deceased’s age and other circumstances. Unfortunately, you might have to… Read more…

Best Online Tax Software - 2018

Best Online Tax Software – 2023

Filing taxes yourself has never been easier. As long as you have internet access, you can submit your tax return from the comfort of your couch. Before you get started, however, you’ll have to choose which online tax software to… Read more…

Best Free Online Tax Software

Best Free Online Tax Software – 2023

There are three main ways to maximize your tax return. You can file your taxes on your own to save on tax preparation fees. You can work with a financial advisor to develop a tax strategy for your financial goals. Lastly,… Read more…

How to Buy a Foreclosed Home

How to Buy a Foreclosed Home

Buying a foreclosed home is one-way potential homeowners can save a bit of money. This is because a foreclosed home is likely to be selling for cheaper than other homes on the market, so you may be able to get… Read more…

How to Choose a Mortgage Broker

How to Choose a Mortgage Broker

A mortgage broker is a third party who helps potential homebuyers get the best possible rate when securing a loan to buy a home. Instead of going to each lender for a rate quote yourself, a mortgage broker does the… Read more…

SmartAsset: 5 Retirement Mistakes You've Already Made in 2022

5 Retirement Mistakes You May Have Already Made

When you’re counting down to retirement, it’s easy to get caught up in fantasies of your future work-free life. Maybe it’s RV trips to Florida, days on the golf course or quality time spent with family. Whatever your dream retirement… Read more…

All About Prepaying Your Property Taxes

Should You Prepay Your Property Taxes Before January 1?

President Trump signed sweeping tax legislation in 2017 that capped property taxes and other state and local taxes (SALT) deductions at $10,000. This change went into effect in January 2018, which impacted 2018 taxes that were filed in April 2019, and… Read more…

SmartAsset: Top 10 Money Management Tips
Checking Account

Top 10 Money Management Tips

Money management is a tricky subject. For many, the topic’s accompanied with a feeling of apprehension. Maybe you’ve put off saving for retirement for a bit too long. Or, perhaps you’re worried about not having an emergency savings cushion. Whatever… Read more…