Curated articles and podcasts from trusted financial experts and real retirees.
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While Medicare Advantage offers great perks, it isn't perfect. Here are three signs you should stick with original Medicare.
I'm getting close to retirement and would love to hear some real-world experiences. How old were you when you retired, and roughly how much did you have saved (401k, IRA, pension, investments, etc.)? ...
We have a group of us at work that were severed last month. We're bouncing around ideas. A few want to take a few months off. If we do this and need insurance how does the ACA base our income? Let's s...
In a recent podcast, I talked with Dr. Anthony Zizza, medical director of Element Care, about the Program for All-Inclusive Care for the Elderly (PACE) that provides comprehensive care to low-income o...
AI helps clients have informed retirement planning conversations with advisers. It can also rapidly handle technical work, freeing up an adviser's time to talk.
It's a mess right now in the medical school private student loan space. Here's how WCI is trying to help—and what you can do as well. The post How to Get Private Medical School Loans (and a Rant About...
Headlines say Social Security is going bankrupt, but the real story is far more nuanced, and understanding it could help you make smarter retirement decisions before it's too late. In this episode, yo...
Conventional wisdom says you need a massive portfolio, but between Social Security and smart planning, a modest fund is often more than enough
How you answer this question can make a big difference in your retirement savings, and there's no one-size-fits-all approach. Here's what to consider.
Just over a full year away from my job in the naval/maritime industry. I didn't really want to leave, but I had/have no desire (and no real need) to return to work. I am a life member of a number of o...
I'm 61 and still working full time. My spouse is 52 and also works full time. Both of us have always had health insurance through my employment and her company has none at all (small family business.)...
When people hear I grew up poor in rural China, they usually imagine everything I lacked. The tiny shack shared by three generations. The lack of safe, drinkable water. The constant worry about money....
The average 401(k) millionaire hits that mark around 59. See the moves that build wealth fastest after 50. The post How to Build Wealth After 50: The 20 Key Rules appeared first on Boldin.
U.S. annuity sales hit $464 billion in 2025 and are still climbing in 2026. Here’s what’s driving the surge. The post Annuity Sales Hit a Record High in 2026. Is One Right for You? appeared first on B...
Answering listener questions about helping children buy their first homes, calculating financial independence, and navigating the tradeoffs between one-income and two-income households. The post Shoul...
I've had a funeral service business for 40 years and I like working with the people and working, but I'm getting to retirement age and think I will have to sell. Is anyone in a similar situation where...
Choosing between a pension lump sum and monthly checks? Ask yourself these 3 essential questions before making an irreversible retirement decision.
Most inheritances won’t trigger a federal income tax bill. But what you inherit and what happens afterward mean other tax rules could come into play.
I have never run a post on this blog specifically detailing the "11 Bogleheads Principles." Today is a good day to explain them all. The post The 11 Boglehead Principles appeared first on The White Co...
Is fear keeping you from spending the money you worked so hard for? Take our quiz to uncover the mindset holding your retirement back.
WTW Investments and SEI see enough of a market to develop private market offerings for U.S. defined contribution plans, such as 401(k) plans.
I write before my kids wake up and after they go to sleep. That's the arrangement. It means I'm free during summer, winter, and spring breaks, along with weekends, which is the whole point of building...
In the 10 years since I left my job, I'm more content than ever before, but I'm also more unsure about what the future holds. Read more → The post A Decade of Freedom appeared first on Mad Fientist.
Some parents may feel obligated to help their adult children – but that support may be doing more harm than good.
August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his d...
Episode 530 00:00 Introduction 00:19 S&P 500 is at record high 01:18 Inflation and Fed rate hike 06:20 Stagflation not a problem for USA 06:50 Disruption of Strait of Hormuz 08:28 AI Bubble and Circul...
You might think locking in a rate saves you money, but financial flexibility is the real secret to keeping cash in your pocket for these bills.
Plunging stock prices may keep investors up at night. But there's a silver lining to a down market: it's a prime time to save taxes on a Roth IRA conversion.
I need to run some different scenarios, as I’ve recently learned about the potential benefits of waiting to collect social security, using various other income streams in the meantime and all the vari...
A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research. The post Sequence of Returns Risk: How to Protect Your Sa...
Sustainable retirement spending begins with quantifying the present value of your essential expenses and then allocating the remaining funded status toward discretionary “menu items” such as travel, h...
Retirees face nonstop disruption — from inflation to technology shifts — reshaping expectations, recovery time and what it means to feel secure in retirement.
One advisor calls the expected transfer a mirage; others say it may simply unfold more slowly and require more intentional planning.
Choosing a medical specialty is one of the most consequential financial decisions most physicians ever make. Here's how I think about it. The post What I Wish I Knew Before Choosing My Medical Special...
How much money do you actually need to retire? Many people approach retirement with a specific number in mind—$1 million, $2 million, or another target they believe will finally make them feel financi...
Paul and Angela in Florida are 52 and 45. What's the earliest the two of them can walk away from work at the same time, so Paul can spend a whole lot more time in the boat? That’s today on Your Money,...
I hear people talk about being semi retired but are working 20-30 hours a week, regularly. I assumed semi would be occasional contract work, seasonal work, or work only when and if you want (i.e. subs...
So, (60F) recently semi retired, some income, probably about 30-40K/year for the next 3-5 years and then I'll fully retire. How much is too much now to keep in a HYSA / cash? I have a temp rate of 4.2...
The secret to helping ensure a secure retirement is to create a coordinated strategy for how you'll manage your withdrawals, taxes and healthcare expenses.
Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you...
Learn how to tap Medicaid or other programs for income in this week's Wealth Wise advice column. You may be able to balance caregiving with your career.
It can be hard to let go of stocks that have served you well, especially when a hefty tax bill results. What are the options when holding on becomes too risky?
Trust protectors can help protect against irresponsible trustees and other dicey situations that could put grantors' wishes at risk, estate lawyers say.
Ever since two park rangers approached me at an empty public court while I was teaching my own children tennis, I've been thinking about how to make sure it doesn’t happen again. Not just to me. To an...
I enjoy continued financial education. While this is generally good, there is a zone where you know enough to be dangerous but not prudent. The post Lessons Learned by a Moderate-Income Physician from...
My wife started taking early Social Security benefits at age 62. She has a part time job. We know there is a 2026 income limitation of $2,040 per month. If her income exceeds that amount in a given mo...
My wife will be 67 yrs old this sept, she want's to file for he SS now but will still continue to work full time she has medical insurance from work does she have to apply for medicare now or when?
My husband and I have found ourselves just a few years from retirement and realizing our adult children are not yet financially independent and struggling in today's economy. Can any of you relate to ...
claiming Social Security early has a benefit that is rarely discussed. The combined annual benefit for my wife and I is about $45,000. Drawing this amount instead of withdrawing this from our IRA, all...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= You probably think the ...