Curated articles and podcasts from trusted financial experts and real retirees.
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Retirement isn't always the carefree finish line people imagine. For many, it marks the start of a deeper search for purpose, identity, and fulfillment. Topics covered in this episode: Why so many ret...
A law requires the rollover money to have been in the 529 for at least 15 years. But it isn’t clear what happens if you change the account’s beneficiary.
It has been almost two years since I started using Frec and their direct indexing products. This post breaks down the full performance over that time.
It's time to announce the 2026 WCI Financial Educator of the Year award. The winner received a truly great nomination. The post The 2026 Financial Educator of the Year Goes to Dr. Alan Anzai appeared ...
So much of the retirement advice I read or see on YT preaches the idea of paying off your home. The idea being that owning a paid-off home eliminates the largest non-discretionary expense in retiremen...
A UAW worker in Indiana worked his whole life, budgets carefully, has a 401(k)—and has nothing saved. Harry's story is the retirement crisis made human.
The conventional picture of American retirement has been giving way to something messier for years.
Morningstar puts the safe withdrawal rate at 3.9%, but flexible strategies can push it to 5.7%. Seven takeaways and what they mean for you. The post What’s a Safe Withdrawal Rate in 2026? Morningstar ...
Vanguard’s new target-date trusts put guaranteed income inside your 401(k). But a floor isn’t a plan. Here’s what the product can’t tell you. The post Vanguard Target Retirement Lifetime Income: What ...
Empower shows you what you own. Boldin models whether it lasts. Here’s how they compare on planning depth, tax strategy, and advisor access. The post Boldin vs. Empower: Which Retirement Planner Is Be...
One of the most fortunate events of my life was my first job after college at the Center for Retirement Research at Boston College (CRR). Not because of the salary — I think I earned less than $40K. W...
Ready to call it quits? From timing Social Security to planning, here are 8 pieces of Dave Ramsey advice for a secure retirement.
Rising health care costs in the U.S. are driving a growing number of retirees to look overseas where health care standards are high but come at a more affordable cost.
Delaying your claim until age 70 locks in a permanent, lifelong pay raise. Here is your blueprint to construct an income bridge that safely funds your retirement gap years.
It's easy to lose track of spending when you're focused on your family and career. But this is what you're risking when you don't save or protect your income.
Turns out, an adviser's long tenure is not a reliable indicator of their true expertise, especially in crucial areas like retirement income and tax planning.
A good friend of mine has a retired sister who met someone on a trip, fell madly in love, got engaged, put her house on the market, and moved out of state to join her fiance in Colorado. A couple week...
The Fed found 73% of Americans doing okay financially. Only 35% feel on track for retirement. Both numbers are right, and that’s the problem. The post What the Fed’s Financial Well-Being Survey Misses...
Answering listener questions, where we talk through reverse mortgages, refinancing during residency, LLC and brokerage account questions, and more. The post Financial Questions New and Established Doc...
It’s that time of year again. In 10 days, we’ll be pulling out of our driveway for a month-long RV adventure through the Midwest, visiting State Parks and family along […] The post Our 2026 RV Adventu...
A higher cost-of-living adjustment isn't necessarily a good thing for retirees and other Social Security recipients.
Fear of missing out can also be the fear of growing old. Learn how to value the joy of missing out for peace, serenity, and for staying young at heart.
Congress continues to pile Stealth Taxes on taxpayers. Retirees and near-retirees are the taxpayers snared most often by the Stealth Taxes.
Take our 10-question quiz see if your hard-earned nest egg is truly protected from hidden liabilities, or if you are exposed to unexpected risks.
How can a couple get retirement timing "right" when one spouse comes from a long-lived family and the other doesn't?
This tax-advantage savings account is perfect for students.
Hopefully, life after work won't be a battle, but you'll need to be able to defend your position if old foes like inflation and volatile markets rise up against you.
It's never too early to discuss how to pay for long-term care — and as May is Older Americans Month, let's do it now, so you can rest easy in your golden years.
I’ve been playing poker for over 25 years, and I still love the game. Every time I sit down at a table, it feels like a time warp. Three hours can pass in the blink of an eye. The cards, the psycholog...
Roger Whitney continues the decluttering series by focusing on the hidden challenges that keep people stuck. Rather than treating decluttering as a massive life overhaul, he explains how perfectionism...
Episode 521 00:00 Introduction 01:58 AI layoffs impact on commercial real estate 03:30 Logistic & Industrial real estate growth 05:05 Intel exponential performance of past 12 months 15:44 Boeing too b...
Let's talk about the key tasks—from must-buy items to financial decisions—so that you can hit the ground running while going into residency. The post The Ultimate New Resident Physician Checklist: Ess...
You combine your housing wealth and lifetime annuities to help ensure that an average of three-quarters of your retirement income is not subject to market risk.
Jesse Cramer and Jeremy Keil detail 7 real world lessons learned from working with hundreds of retirees. There’s a big difference between studying retirement… …and actually sitting across the table fr...
Despite looming concerns, only 32% of retirees said they work with a financial advisor, according to Schroders' 2026 U.S. Retirement Survey.
A cross post, not my own, from our sister community of those who retired before age 59 (which we did not do here). The body: I love being introduced like that. My cousin invites me out to a lot of out...
A lesser-known SECURE Act exemption can help families with a child or grandchild who needs support but doesn't qualify for SSI or SSDI save significantly on taxes.
Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment Today on Your Money, Your Wealth® podcast number 582, Joe Anderson, CFP® and Big Al Clopine, CPA address...
"Tom and Linda" are a married couple. They're both 55-years-old. Tom works as an operations manager for a regional manufacturer, and Linda works in corporate finance. They are both targeting retiremen...
Due to its potential tax efficiencies, direct indexing can make sense for many investors. Here's what to know, including potential downsides. The post Direct Indexing: 3 Great Use Cases for High Net W...
Barring new entrants will be good for existing firms that will avoid competition. But it hard to see how it will prevent fraud or benefit patients and their families.
Unlike some retirees, you may not have had financial advice throughout your life to guide your decisions. But it isn't too late to benefit from it.
The main reason I can't convince anyone in real life to FIRE is the desire for more. The moment you hit a $1 million net worth, you start dreaming of $5 million. Get to $5 million and suddenly $10 mil...
It was a once-in-a-lifetime opportunity to drive Route 66 from Chicago to Santa Monica, California, with my kids and my parents as part of USA TODAY's American Journeys series. I was nervous about tak...
Hey everyone! I hope you’re enjoying the beautiful spring weather. It’s been a while since I posted an update. To be completely honest, blogging became much more difficult once I ... Read more The pos...
Don't let a medical emergency ruin your retirement. We explain why Medicare might not pay for cruise ship virus treatments and how to fill the coverage gap.
Nvidia is the most valuable publicly traded company in the world. Take this quick quiz to test your knowledge of the AI bellwether.
A 401(k) offers several powerful retirement benefits, including tax advantages, employer matching contributions, catch-up contributions, and long-term investment growth. Understanding these benefits o...
Several major transition points in our lives have an oversized impact. Retirement is one of those. Here's how I'm thinking about it. The post Hanging Up the White Coat: Planning the Emotional Side of ...
Holding a significant portion of your wealth in one or a handful of individual stocks can be both exhilarating and nerve-wracking. While the rewards of watching a single company's meteoric rise can be...