Curated articles and podcasts from trusted financial experts and real retirees.
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More than 1 in 3 Americans don’t get enough sleep, and companies are waking up to the slumber-focused opportunity. But gadgets and devices to help catch up on shut eye can get costly....
Early February saw earnings and outlooks from a diverse roster of companies in entertainment, tech, and other sectors as tariff talk dominated the headlines....
Learn how to relate your money with a sense of gratitude by using these 20 money affirmations....
Those in the market for a big sparkler could be in for reverse sticker shock. Natural diamond prices have fallen 26% over the past two years....
This is a follow-up to our post of October 14, 2024. In this follow-up post, we will estimate Social Security’s January 1, 2025 Funded Status based on 2024 valuation results and once again point...
Episode 463: Ignore the contemporary arguments about free trade. There is no free trade. What there is, is government policies that attempt to distort market forces. Tariffs are in the news, but dereg...
With a majority (87%) of people "fed up" with rising prices, more than a quarter (27%) have hit a pricing limit when it comes to groceries and household goods. This may be one of the reasons why Calif...
Here’s a retirement spending strategy that offers a realistic balance between frugality and outliving your savings by spending too much money....
Bad: stubborn price increases. Surprisingly good these days: Your ability to outrun them....
Some people work for decades, hoping to retire someday. I wasn’t interested in someday. I bought my first rental house at 20, picked up more over the next few years, and let real estate do the h...
Whether by choice or circumstances, there are some challenges to retiring alone. Here are 17 tips for a secure, happy and single retirement. The post 17 Powerful Tips for Retiring Alone (Or, If You Be...
Explore 12 ways to make great passive income for retirement. Get detailed resources for your retirement plan. Read now! The post Passive Income for Retirement: 12 Creative Ideas to Boost Your Financia...
Retirement for couples: Cover these 10 topics to survive retirement with your spouse. Communication is key, especially when it comes to money. The post Retirement for Couples: 10 Essential Planning Co...
Midwestern Millionaires might not live in the Midwest, but they share a saver's mindset. These strategies are for those who have saved $1 million or more....
There are actually a few good reasons to hire your spouse in your business. But you probably won't come out ahead financially by doing so. The post Why Hiring Your Spouse Is (Probably) a Bad Idea (Eve...
I am approaching 61 (in a few months) but I’ve achieved my savings goal which should prove a moderate to comfortable lifestyle according to Australian retirement standards. I also am eligible as...
I have a situation where I want to ensure that my spouse does not get manipulated by our relatives after my death. My spouse has always been a very giving person, and I feel the need to protect our as...
To maintain the buying power of a pension that has no cost of living adjustment, what percentage of the pension would need to be reinvested in the market each year? Suppose the pension is $30,000 and ...
I apologize if it is a stupid question but I just don't understand the process. I was reviewing my SS dashboard to see the estimates. That is just for planning. Now I still have at least a decade till...
Recently, I went off the deep end—living like a degenerate gambler and party animal—and I wanted to reflect on it. Perhaps to nobody's surprise, I don't think having extreme amounts of fun...
If I were a high-earning W2 employee, I wouldn’t just accept a massive tax bill as the price of success. No group in America gets taxed harder, and unlike business owners or investors, W2 worker...
If retiring cold turkey isn’t for you, consider a phased retirement that lets you scale back at work and ease into retirement before eventually stepping away completely....
From independent living to continuing care retirement communities, retirees have a lot of ways to live out their golden years. But it ain’t cheap....
What a start to the new year this has been, and it’s only fricking February! While the US news has been bombarded with so much crazy crap that I can’t even keep up with it anymore, the new...
In this episode, we dive into Stephen’s fascinating question about estate planning for the far future—trusts designed to preserve wealth for individuals who undergo cryonic preservation. I...
To qualify for federal disability benefits, individuals must demonstrate that a medical condition prevents them from working. But some disability beneficiaries do work and those who earn more than Soc...
We have never been big fans of Monte Carlo models for determining how much one can afford to spend in retirement from year to year. As actuaries, we believe that following the simple “3M” ...
I have a theory that those who have no trouble with adjusting to the slower pace were overloaded prior to retirement. I’m just curious, but looking for anecdotal evidence to support this. As a l...
How many vacation days did you take this year? How many does your employerallowyou to take? Did you work through ... Read more...
Something Changed on the Social Security Yearly Statements. I am very diligent about getting my SS Yearly Statements from their website. (I also run a Benefits Estimator set of reports - using income ...
529 plans are way more flexible than people realize, and if you know the rules, there are smart ways to use those funds without getting hit with penalties. Considering that as of June 2024, there were...
Early retirement is great. I retired three years ago in my 40s. I love it. But you have to prepare for, and in some cases, accept, the negatives. Most people picture early retirement as endless freedo...
I'm 60, just paid off my $1 million home and have $750K in retirement savings — can I retire now?...
If you have cryptocurrency in your estate, you'll need meticulous plans and clear instructions to ensure beneficiaries don't lose out after you're gone....
You can cut the cost of retirement planning by doing it yourself. But for something this important, it might be wiser to call in the professionals....
It seems like most of the seminars I go to have a heavy emphasis on taxes in retirement. I was taught 'don't let the tax tail wag the dog'. Why is this? Is it a marketing scheme to get you to use thei...
I’m a 68m, retired and married. My wife has a very rewarding job she loves with lots of business travel and no desire to retire I’ve seen ads for solo travel tours that could be fun though...
Fraudulent brokerage account transfers via ACATS are rare but devastating. Learn how to protect your accounts from ACATS fraud in this case study. Learn the Nuts and Bolts I put everything I use to ma...
Just a quick note today about some appearances around the internet! I’m on The Struggle Is Real podcast this week. I talk about frugality, spending experiments (including the joy of failure), an...
My main goal* was to build an investment and cash portfolio of$1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in1500 days**, starting from 1/1/2013 and ending in February of 20...
Many workers choose an IRA rollover when changing jobs. Unfortunately, it's not uncommon for accounts to be neglected, or never invested....
Robert F. Kennedy, Jr. was confirmed today to head up Medicare. Here are five ways his leadership might change your retirement....
Answering reader questions about I Bonds and if they are still a worthwhile investment or if it might be time to let them go, buffer assets and if they're worth it, and the best way to invest in small...
If you're spending a lot of your day scrolling on social media or glued to cable news, you might feel like your emotions are running a little high right now. Major life transitions can also cause our ...
Now that we’re well into 2025, there’s no better time to look back on 2024 – a year that brought ... Read more...
Last nite on CNN, host Laurie Coates interviewed DAVID FAHRENTHOLD, INVESTIGATIVE REPORTER, NEW YORK TIMES on this. CNN 02/12/2025 - Laurie Coates interview (transcript) It is the very last interview ...
In this episode, we're talking about the importance of a strategic withdrawal plan in retirement to keep taxes in check and set you up for long-term financial stability. Ari and I break down why a sim...
Taxes aren’t fun. They aren’t optional either. Most people just file, hope for the best, and move on. The problem? That approach leads to overpaying, sometimes by thousands. The IRS won&rs...
Learn what it is like to live in a retirement community from someone living there. What you need to know to enjoy living there....
The Social Security Agency at this point does not have a specific timeframe as to when benefits will be adjusted....