Curated articles and podcasts from trusted financial experts and real retirees.
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Hi. We're about five years out from retirement. Want to safeguard our nest egg while maximizing any possible returns. Most of it is in pre-tax IRAs. Financial advisor proposes one of two ways to move ...
I'm struggling a bit with something and wonder whether others have too. I guess it feels like a certain guilty feeling as I think about retiring. I'm in higher education and have been teaching full-ti...
why isn't AARP holding Trump to his promise of no fed tax on SS checks and making it a public issue....
True Finance is a trusted cash advance app offering up to $100 interest-free, plus tools like credit monitoring, identity protection, and income opportunities. Learn how True Finance provides a low-co...
I typed some semi-realistic numbers into RMD calculator. It seemed like the withdrawal amount was way way more than what my 4% would be in that same year of retirement. Is the RMD close to the same ea...
So my wife and me (late 50s) are in good shape financially and health-wise and we have the ability to retire comfortably at 62 or 63. I have a job I like that pays quite well. We have some rental inco...
Readers had questions about individual retirement accounts, distributions and access to brokerage accounts if they moved away from the U.S. Here are some answers....
Don't lose sight of your finances when you finally reach retirement. These six classic missteps can chip away at the nest egg you’ve worked so hard to build....
This episode starts a two part series that will be continued after the Thanksgiving Holiday weekend. There are certain things that if understood by all, would simplify financial and retirement plannin...
As you approach retirement, an accumulation mindset will not be ideal once you’re on the other side of full-time work. It's critical that you understand decumulation....
I just caught a show at a fantastic small venue less than a mile from me. The venue is really eclectic - they host jazz, crossover country, rock tribute bands, comedy, you name it. They have a “...
One of the concerns for a good financial plan is immediacy of money. The guy I'm talking with has a money market type bucket for money that is readily available (no charge for this service). A second ...
I have been retired for a year and my wife will be retiring soon. We own our small home (1100sq/ft) and do what ever maintenance our selfs. But we don't do our own, plumbing, electrical or roofing etc...
Yes, I understand that things can go bad. But over the long run investors haven't lost money for decades. IDK, I can get a 12% long term bond for 7 years. Put 1/2 my money there, that covers the 4% fo...
Achieving financial independence requires strategic planning and smart decision-making, especially when it comes to borrowing. Unlike traditional loans, flexible credit lines offer a dynamic approach ...
It’s hard to spend money in retirement. I get it. I’ve been there. That paycheck has stopped, inflation is rampant, and you’re afraid your money may run out before you […] The...
There are two ways to apply for Social Security retirement benefits....
Thrift Savings Plan contribution limits are rising to $23,500 in 2025 from $23,000 in 2024. Plus, new catch-up limits for people 60-63....
With retirees living longer and the inequalities that affect women and people of color, the retirement system needs some optimization. Here’s what would help....
This proposal would undermine support for the program and delay a real solution. My clever friend, and occasional co-author, Andrew Biggs is up to mischief again. He and his lawyer co-author Kristin S...
Not every investor is expecting a Trump boom. Some expect a crash. How should they adjust their finances — if at all?...
Two new ETFs, the FIRE Funds Wealth Builder ETF (FIRS) and FIRE Funds Income Target ETF (FIRI), cater to the growing FIRE movement....
This is a deep dive into developing a retirement income plan using the concepts of an income floor and a three bucket plan comes from Glen Nakamoto, a long time user of the Boldin Planner. Here is Nak...
Feeling grateful creates a sense of abundance and that has powerful wealth building powers. Learn how. The post Think Abundance and Be Grateful: The Secret Mindsets for Building Wealth appeared first ...
Maybe you’ve been meaning to talk with them for future planning. Resistance gets in the way. Consider these tips to get the difficult conversation going....
Medicare Part B premiums and other costs for beneficiaries will increase in 2025....
Some friends and readers have asked me about my workout routine. Before I begin, please note that I’m an amateur. Before you take fitness advice from a nerd on the internet who plays with plasti...
Are you delaying retirement, working for "just one more year" to feel ready? In this episode, Ari and James dive into goalpost planning—the tendency to postpone retirement over financial or emot...
If you want to optimize your life, it's essential to understand the concept of Return on Effort (ROE). The higher your ROE, the more you get out of your efforts, making it an invaluable framework for ...
A government watchdog reports that Labor Department regulations haven't made much of an impact on the levels of disclosure and comprehension....
Do you have all the ingredients and the right recipe for financial success? It needn't be complicated. In fact, it can be as easy as pie. The post A Recipe for Financial Success: It’s as Easy as...
We’ve all seen the ads for paid surveys. They’re easy to ignore at first, but after popping up a few ... Read more...
I recently got back from a trip to Kosovo to visit my now fiancée's family (more on that in a moment). Kosovo is located in southeastern Europe in the heart of the Balkans (east of Italy across...
Take advantage of the power of your time in retirement with these mindset re-directs from retirement coach and author David Buck....
Crooks are perfecting Medicare Open Enrollment scams to try to steal your money or personal information....
Investing in rental properties is a great way to diversify your portfolio and build wealth over time. However, rental property ... Read more...
With the rise of the gig economy, side hustles, and digital platforms, there are more ways than ever for women to make money quickly and flexibly. Whether you’re looking to earn extra income on ...
To maximize your 410(k) contributions in 2024, assess how much you’ve contributed so far, check your employer’s match, take a look at your budget and consider increasing how much you set a...
To solidify your retirement plan, write it down, reduce your market risk and allocate more safe money into your plan for income....
Social Security ex-spousal benefits are the same as current spousal benefits but the criteria to qualify is different. Learn more about it in this article....
The Medicare Prescription Payment Plan allows a drug plan enrollee to spread their prescription drug costs out over the year....
In today’s episode of Ready for Retirement episode James covers when to adjust your portfolio as retirement nears—a crucial step for balancing growth and security. If adjustments happen to...
It’s been a while since I’ve done a reader case, so here goes! Who do we have in our mail bag this week? Hi FireCracker! I’ve been reading your blog for about a year. Just finished r...
Join us in this insightful episode as we continue our series on year-end action items, focusing on optimizing your retirement planning. Today, we delve into the intricacies of withdrawing assets, disc...
Can Ted and Georgette convert $1.6M in an inherited trust to Roth without distributing it? Should the trust own their home so they can use the home equity? Melissa was added as joint owner on her pare...
Kanopy offers high quality streaming movies. Get a card from a different library as a non-resident if your public library doesn't offer it. Learn the Nuts and Bolts I put everything I use to manage my...
If there's one thing we know that the financial markets like, it's certainty. And since the 2024 presidential election was settled overnight -- rather than the weeks it took to count votes in 2020 -- ...