We tackle tough financial questions and give you answers to fit your needs. By Magazine Editors August 9, 2011 When it comes to personal finance, a one-size-fits-all approach doesn't work. That's why we offer advice customized to your needs. Below you'll find 20 common questions on a variety of money-related topics, from paying off debt to saving for retirement. And we provide answers based on different scenarios.Home Should I Retire My Mortgage or Keep on Paying? Should I Pay a Real Estate Agent or Go It Alone? Should I Continue to Rent or Buy While the Market Is Down? Advertisement Taxes Should I Take a Pay Raise Now or a Refund Later? Debt Should I Pay Off Loans or Save for Retirement? Should I Pay Cash for a Major Purchase, or Finance It? Investing Should I Buy Index Funds or Actively Managed Funds? Advertisement Should I Buy ETFs or Mutual Funds? Should I Use a Full-Service or Discount Broker? Should I Rebalance Regularly or Let Winners Ride? Cars Should I Keep My Clunker or Buy a New Car? Advertisement Should I Buy or Lease a New Car? Retirement Should I Save in a Roth IRA or a Traditional IRA? Should I Claim Social Security Benefits at Age 62 or Wait Until 66? Should I Buy an Immediate Annuity for Retirement Income or Tap Savings? Advertisement Insurance Should I Buy Long-Term-Care Insurance or Self-Insure? Wills Should I Hire a Lawyer to Write a Will or Do It Myself? College Should I Save for Retirement or College for My Kids? Should I Stretch to Pay for the Most Selective College or Save by Choosing an In-State School? Should I Use a 529 Savings Account or a Prepaid Tuition Plan?