Curated articles and podcasts from trusted financial experts and real retirees.
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Prior authorizations are the way MA managed care plans pre-approve some procedures before they’ll pay for them....
18 practical retirement income strategies: See what experts recommend and decide how to create a plan for your own lifetime wealth. The post Retirement Income Strategies: 18 Ideas for Lifetime Wealth ...
No one has a crystal ball, but leading economic indicators as well as unusual and personal economic indicators can help you assess the future and assist in financial decision making and planning. The ...
Officials at Musk-led DOGE were given access to the inner workings of the Centers for Medicare and Medicaid Services (CMS), an agency with a $2 trillion budget....
From alcohol to gambling, adults spend a lot of money pursuing their vices, but are they jeopardizing their retirement nest eggs?...
Medicare beneficiaries often pay monthly premiums, copays, annual deductibles and prescription drug costs. But what you may not know is that some services don’t cost anything at all....
Will your care be denied? Medicare Advantage insurers use prior authorization to manage utilization and lower costs. How does your plan measure up?...
The sandwich generation experiences stress, burnout, and financial insecurity. Learn tactics to better cope with the burden of caring for aging parents....
I am 66 y.o. And I retire at the end of March. Financially, we are good. My wife will work for one more year after I retire. We have been a very family centric couple. It’s always been about our...
Has AARP taken a stand regarding Musk and his minions having access to American's Social Security and Medicare data via the Department of Treasury? Elon Musk is an unelected player appointed by the pr...
In this episode, we tackle Richard’s question about why it might make sense to use IRA (non-Roth) accounts first to pay for long-term care expenses. We’ll explain the reasoning behind this...
Vanguard’s Advisor Alpha study shows that working with an advisor can boost net returns by around 3% annually through smart investing, tax planning, and behavioral coaching. But the real value? ...
Answering questions about the TSP fund now allowing Roth conversions and contributions, how indemnification clauses can be problematic for docs, and the best way to pay off a hefty practice loan. The ...
Here's how to decide if you are better off renting or owning a home in retirement....
My mother in law is a widower who turns 60 this month 2/21 Her Husband passed 7/2015 and he was born 10/27/1960 We called SSA and they told her she was eligible to claim SS against her passed husband ...
I'm having a blast playing casual computer games on the AARP website. From what I can tell there's no phone app available? I am an AARP member-Dad made me sign up right away at 50! I have noticed when...
The link: NBC NEWS 02/06/2025 - Trump administration agrees to restrict DOGE access to Treasury Department payment systems It is temporary and has some exceptions. Back to court again later in this mo...
Episode 462: The Media is breathlessly reporting terrifying news about tariffs, executive orders, DeepSeek and anything else that can be detrimental to the stock market. But you know what? The Dow Jon...
Sure, now that you’re retired, there are some major sources of stress now gone. No more awful colleagues or bosses, no deadlines or quotas, no performance reviews, no fluorescent lights. But thi...
I work in healthcare administration with a focus on Medicare compliance, value based payment arrangements, revenue forecasting, and budgeting. I am retiring in 9-weeks. I have been in my role for almo...
Most people don’t realize how much state taxes eat into their income until they do the math. Taxes aren’t just an annual headache, they’re the silent drain on your paycheck every sin...
My mom passed away over five years ago, and the last time I went to church service with her, I took her to see Joel Osteen. That moment stuck with me, not because of the church itself, but because of ...
Americans have a lot of value sitting in their homes. If you are among them, here is how to use your home equity to protect, grow and supplement your retirement nest egg....
Recently, I made a rather expensive financial “mistake.” Let's review the psychology and actions that led me to make this decision. The post A Die-Hard White Coat Investor Buys an Individu...
If you're retired, or soon will be, riding out a roller-coaster market can be nerve-racking. Try to hold steady and focus on balancing your investments....
It’s no secret that the journey to becoming a physician is both financially demanding and intellectually rigorous. The student loan ... Read more...
This Social Security Fairness Act checklist explains what public sector retirees can expect from SSFA, including how much more money they may receive....
I'm guessing that a lot of you, like me, have spent decades in a chair in front of a computer :-) Wild guess :-) In my early 60s, this all caught up with me and I started to have really bad lower back...
My FRA will be in May 2025 but I plan to keep working. My ex spouse is 2 years younger than me and still working. Can I collect SS from his account in May while working, then switch over to my account...
The S&P 500 went up more than 20% for 2 years in a row, an impressive run that doesn’t happen often. After 2 years of strong market performance, what should investors expect next? Keep readi...
It has been more than 6 months since I invested $100,000 into a Direct Index that tracks the S&P 500. I share how it went and why I decided to add another $74,000....
Learn how to find meaning and purpose in retirement after a life in public service with retired librarian and current retirement coach Susan Hawk Schneider....
Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? That’s today on Your Money, Your We...
? Show Notes In this episode, we explore the complexities of retirement planning amidst a rapidly changing economic landscape. Join us as we discuss the importance of having a structured decision-maki...
ProFeds Founder, Chris Kowalik, reviews the IRS rules which allow you to take from your TSP at various ages (and if you’re allowed to access TSP between now and 9/30). KEY TAKEAWAYS: How do empl...
ProFeds Founder, Chris Kowalik, highlights what federal employees need to do to keep their government health insurance (FEHB) and government life insurance (FEGLI). KEY TAKEAWAYS: What requirements mu...
The beauty of hard work is that any able-bodied person can do it. If you put in more hours honing your craft than the average person, chances are you’ll achieve far greater success than the aver...
For nearly 50 years after Social Security's inception in 1935, benefits were not subject to federal income taxes. That changed in 1983 when Congress introduced taxation on benefits for higher-income r...
ProFeds Founder, Chris Kowalik, addresses federal employees who are on the younger side with only a few years of service to see what opportunities may exist with the deferred resignation offer. KEY TA...
ProFeds Founder, Chris Kowalik, addresses federal employees who are close to being eligible to retire, but don’t meet the requirements for an Early Out (VERA). KEY TAKEAWAYS: Who falls into this...
ProFeds Founder, Chris Kowalik, discusses how the Deferred Resignation applies to federal employees who are already fully-eligible to retire (and what to do if you’ve already filed for retiremen...
ProFeds Founder, Chris Kowalik, discusses how the Deferred Resignation applies to federal employees who have met their Minimum Retirement Age, but don’t have the years of service necessary to be...
I wish I lived closer to DC because I would be in the streets demanding trump's resignation and the resignation of all Republicans in Congress. I would also demand Elon and his butt boys arrested for ...
Tax season isn’t exactly anyone’s idea of fun. But what’s worse than filing taxes? Overpaying them. The good news is you don’t have to spend hours sorting receipts to save mone...
Wife and I are 63 and now that her knee surgery is over are wanting to plan some vacations. We have been to a few places es, Alaska, Canada, carribean. But what i want to know is for the man and wife ...
After almost 18 years at this job (controller and office manager), Friday was my final day. It felt good, my replacement is well trained, and I feel like I left the company in good hands. It was just ...
At 70, I felt a phase of my life close and another open. Having retired at 63, I have been a competitive tennis player and gym rat for the last 40 years. However, joining the septuagenarian club struc...
Hey Everyone! January was a hectic month for me. Our rental is vacant and I’ve been getting it ready for sale. Mrs. RB40 and I also had some health issues ... Read more The post January 2025 FIR...
With inflation taking a big chunk out of everyone’s paycheques, it seems like becoming financially independent is becoming increasingly hopeless. But have you considered that you may already be ...
What do the Trump Administration tariffs mean for your investment portfolio? And what steps should you take to protect your money? The post Staying the Course Despite the Trump Tariffs appeared first ...