Curated articles and podcasts from trusted financial experts and real retirees.
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Don't raid your nest egg for unexpected bills. From brokerage accounts to underutilized lifestyle vehicles, here is how to unlock cash without jeopardizing your future.
Multi-year guarantee annuities can outperform bonds and bank CDs — but before you buy, here's how they work.
I just read on another subreddit where someone was asking for advice about their father's estate. It seems they were appointed executor and the will leaves nothing to the father's long term (17 years)...
As I (71m) age, my routines get more eccentric. “It’s to be comfortable,” I tell myself, but really?” At 5:30 a.m. I kiss my sleeping wife and get out of bed without wretching my back. I think, “I am ...
We have an annual spend of about $70k, but that includes some travel, a fair amount of entertainment, and not really managing things too closely. We know we could also get by in reasonable comfort on ...
Qualified charitable distributions are the best way for those 70 1/2 and older to donate. But people often do not maximize the benefits or fall into some traps.
This past Father's Day, June 21, 2026, I had a choice to make. I could play pickleball from 9am to 12noon at an indoor club called Flyte, a 30-minute drive north. Or I could take my kids 30 minutes so...
We have recently received inquiries as to how to use Copilot to implement the Actuarial Approach. Copilot can use different data sources to provide reasonable results, but we recommend that you provid...
If you don't pay enough in quarterly estimated taxes, the IRS could penalize you. Here are some ways to reduce those penalty payments. The post Estimated Tax Penalties Aren’t Always Final — Here’s How...
Amazon Prime Day is back, and this year it showed up early. Instead of the usual July slot, Prime Day ... Read more
I am currently navigating the transition into a new chapter of life, and I have been processing these shifts through my art. I recently completed this acrylic on canvas board piece, which I’ve titled ...
2 months ago, I didn't think this day would ever come. but I only have a week to go! I'm so excited and so anxious at the same time...lol! it's a big transition after 55+ years of working, but until I...
There is a difference between aging and sage-ing. Between getting older and becoming an elder. Learn practices to shift your mindset and extend your life.
Episode 524 00:00 Introduction 00:21 Market two steps forward one step back 01:33 Google glass half empty or half full 06:16 IPO pullbacks 07:25 Google In DOW Verizon Out 09:07 Honeywell Future 12:05 ...
Many older savers are breaking the "golden rule" of retirement investing. Is your 401(k) taking on too much risk?
Kiplinger readers selected UBS Wealth Management as their top wealth management firm in 2026.
Estate plans don't need to be complicated, but trusts can help when your family needs protection and your will and beneficiary designations aren't quite enough.
It seems like retiring enables people to finally live the way we want without forces pushing us to center. For example, we have all day to decide our own activities instead of being corraled in by wor...
I’m 70 years old and I retired 3 years ago after working since I was 11. I have had some truly hard,sweaty and dangerous jobs. I was also lucky to spend my last 25 years sitting at a desk. I never min...
Here's a dispatch from the USA Today personal finance beat: Do you need to amass a specific sum of savings to retire comfortably? Northwestern Mutual now puts the retirement "magic number" at $1.46 mi...
See what Vanguard's data says the median 401(k) balance is at every age — and why the average number may not represent most savers. The post Average 401(k) Balance by Age in 2026: How Do You Compare? ...
The middle class spans roughly $55,000 to $167,000 nationally. It varies by area, and says less about financial security than most expect. The post What Is Middle Class in America? Beyond the Income R...
Your kids are already inheriting your financial habits, whether you know it or not. Here's why, and how you can be more intentional about it. The post If Your Kids Inherited Only Your Financial Habits...
Today, we answer listener questions on rabbi trusts, trust-owned brokerage accounts, and adjusting asset allocation. We also learn about how a group of emergency physicians fought to preserve their in...
Here's a look at how retirement savings have changed over the past fifty years, from pensions to DIY investing.
How well do you know these key investing terms? Take our quick quiz to find out.
Depending on the size of your pension, you might be able to stop worrying about hitting a specific savings number and start focusing on ways to use your wealth.
Thanks to sequence of returns risk, the investing strategy that helped you accumulate a healthy sum for your retirement can work against you once you quit work.
Many solid retirement plans fall apart during the solo years after one spouse passes away, because the plans do not account for key changes.
Most of us take the safe road. We go to college, get a job, and spend the next 30 years hoping our employer doesn't one day decide we're suddenly redundant. I know this path well because I walked it f...
From sticky inflation to Social Security deadlines, a look back at the 50-year evolution of our personal economies as we celebrate the Semiquincentennial.
This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, c...
Here's how to think about life and finances in the first year of your baby's life. You don't have to do everything, but here's a list anyway. The post The 18 Things You MUST Do in Your New Child’s Fir...
Fritz here, sending this from a library in Northern Ohio as we enter the final week of our month-long RV trip through the Midwest. It’s been a great trip, and […] The post The Regret We Get Wrong appe...
Test your knowledge on how American retirement has transformed since 1976.
Unpack the Semiquincentennial sticker shock by comparing the modern economy to the simple days of Casey Kasem countdowns and affordable living in 1976.
High-net-worth women are redefining financial freedom and aligning wealth with values — without sacrificing returns. Financial plans must evolve with them.
Claiming Social Security early might seem counterintuitive for the ultrawealthy, but one advisor says that when the benefits are used to fund life insurance in an irrevocable trust, the strategy could...
Nineteen states and three major cities now have them. Cheap and easy usually isn't best.
am I getting that right? so if you are over the full retirement age - in my case 67 - if I decide for whatever reason to go back to work, I can receive full social security benefits without any penalt...
I am thinking of rolling my 401K which has a mix of mostly Roth and the company match in pre-tax into my existing Rollover IRA and Roth IRA. It seems like it will be simpler to manage and I will be ab...
I’m 67 and will retire next Tuesday after 27 years with the federal government, yet, I don’t feel anything about it. I’m neither happy or sad, not excited or anxiety ridden, I should feel something, a...
Florida is the future retirement home. I’ve called Florida home for almost 50 years. I travel extensively for work and met BF six years ago. BF, future husband, lives in AZ. Plan is to sell both our r...
Wife and I (63) looking to downsize. 20 years in a two story, walk out, 4 bedroom, 3.5 bath that’s been an awesome home to raise two girls. Wife is retired and I’ll retire in next 2 years. Makes a lot...
I retired from full time work with a pension that pays most of my expenses, including healthcare. I also have some part time work. If I have extra money at the end of the year from this work, should I...
What is the down-side, if any of having all your retirement accounts in one place, like Fidelity or Vanguard? I have a few rollover 401ks, a Roth and a traditional IRA scattered about. I'm thinking in...
Howdy gang! I've been reading up on retirement and planning to do so in the next couple months (age 65). I see the 4% rule quite a bit but it just doesn't seem to jive with my actual annual returns no...
Social Security isn't going bankrupt—but a 22% benefit cut looms in 2032. Here's what's driving the shortfall and the proposals that could shape its future.
Trump Accounts give every U.S. newborn a stake in the market, a real start on worker wealth. But the design favors the rich. The fix is a fairer account, not none.
Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment 11 rapid-fire spitballs today from Joe Anderson, CFP®, and Big Al Clopine, CPA, on Your Money, Your Weal...