If we currently can’t contribute to our ROTH, what would be the next investing step for beginners? Should I take a $30K loan from a family member in order to invest in the stock market? A member has signed a contract for her first job and seeks guidance as she manages her income during this next phase. Questions on PPO vs. HMO healthcare plans, the importance of disability insurance, and HSA’s vs. FSAs. What are the pros and cons with regards to having Power of Attorney for a family member?