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Who We Are
The BlueCollarDollar was designed as a place you could go to find the complicated world of finance, debt, insurance, mortgages, retirement, and your investments explained. We have a common sense approach to money. You earn it, you should know what to do with it. We want you to be debt free and we will work at getting you there. We want you to have a financially stable retirement, that is both comfortable and healthy.

Is there such a thing as good debt? What do you suppose bad debt is? And what kind do you have? Debt
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Calculators_ Mutual Funds

Future Value/Annuity Calculation

Updated July 1997 - Allow two different yields, one before retirement, one during.

Since the mortgage calcuator is so popular, I put together a form that does another calculation I find important, finding out how much to put away tax deferred to get a certain amount of money in the future, and how much you could expect to draw out of that money. Just put in some numbers to see what I am talking about!

Beginning Balance of Account
Monthly contribution
Years until retirement
Estimated annual pre-retirement yield (%)
Estimated annual retirement yield (%)
Estimated annual inflation (%)
Estimated annual contribution increase(%)
Desired future monthly withdrawal amount (current dollars)


Mutual Funds

Our Favorite Conservative Funds

Our Favorite Catch-up Funds

Our Favorite Aggressive Funds

So what is a mutual fund?

There have been some questions about the difference between a traditional IRA and a Roth IRA. With any luck, this should clear the confusion.

Investing using dollar cost averaging

Order your copy of Building Wealth in a Paycheck-to-Paycheck World by Paul Petillo. It is packed with safe, proven wealth-building strategies that cover all the major components of a balanced financial plan, including:

  • Straight talk on mutual funds, bonds, real estate, and annuities
  • Techniques for avoiding financial disasters
  • Tools to help readers track their debt and create a plan for staying out of it
  • Road maps to buying a home and saving for college and retirement