Curated articles and podcasts from trusted financial experts and real retirees.
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The Corporate Transparency Act requires owners and control persons of 32 million entities to file with the government. This is especially tough trusts own entities....
The experts typically say that you’re better off waiting. But that isn’t always the case....
James walks through a framework of how you ensure that your legacy goals include more than just leaving a chunk of money to your kids when you're gone. He explains the key concepts that can help your ...
I'm not sure if you remember a poll that I put up about four weeks ago . The top request was for members of this sub to discuss about life after retirement (179 votes). The category is very broad. Thu...
I'm looking for any experiences from folks who retired close to the time that their kids were in or had just graduated from college. I have one who is a freshman and another who will start in a year; ...
Steve & Sharon in Minnesota are high earners - can they get more money into their Roth IRA without paying more tax? Should Fred in western New York do Roth conversions before required minimum dist...
The United States has no coherent system for providing long-term care, leading many who are aging to struggle to stay independent or to rely on a patchwork of solutions....
Companies can help overcome talent scarcity by offering resources such as financial literacy courses, planning tools, budgeting advice and other services....
Thereport’s key findings are: As life expectancy at 65 rises, outliving one’s resources poses a growing challenge. This study explores how people perceive their life expectancy, options fo...
Abstract A longstanding puzzle in the economics of insurance, household finance, and public policy is why so few individuals annuitize their wealth. This paper describes results from a recent survey o...
What would you do with an extra $100? Every week our team curates a list of ways to earn extra cash. Why? Because the average American is living paycheck to paycheck and every little bit helps. This w...
The IRS has introduced new income limits for its seven tax brackets for 2024. Thankfully, the thresholds have all increased by 5.4% to account for inflation. In 2023, the IRS expanded its tax brackets...
The key to financial independence is saving and investing as much as you can. The more you save, the more you’ll grow your net worth. I recommend saving 15% when you’re starting out and sh...
Trying to sign up for Medicare online but the process keeps walking me through Social Security benefits which I DON’T want yet. Is this usual? How do I get on the correct path? submitted by /u/a...
Even as people work later in life, many find it difficult to pinpoint the right time to retire. WSJ columnist Rachel Feintzeig joins host J.R. Whalen to discuss how people envision leaving the workfor...
At a time when it’s easy to feel adrift, recurring acts give structure to my days and keep me connected to those I love...
On your journey to reach your ideal retirement stock options can be a valuable tool to have in your arsenal. However, it’s easy to make mistakes with them since it’s not like there’s...
Just turned 59 and earn 80k/yr. My wife is 52 and makes 50k/yr. Our only debt is 70k on our 1200 sq ft house at 2.5%. Would like to retire at 62. My 401k will most likely have 300k in it by then. Thin...
I have been working for my non-profit employer for 33 years. For the last 31 I've been contributing to my 403b, now at Fidelity. When I first started in the retirement plan, one of the offerings was a...
Me and my wife both 67 I've worked full time her a few years as we raised 5 kids. Was hard to save in those early years but last few have been great. Managed to have 600k in 401k 600k already taxed ea...
Higher interest rates make it a bit safer to spend more money in retirement...
Protecting savers from rollovers to IRAs with high-fee mutual funds is particularly important. President Biden has announced that the Department of Labor will propose a new rule – the Retirement...
Viktor applied FIRE principles frequently espoused on this blog. He grew up an immigrant raised by a single mother on welfare. He retired in 2020 at the ripe old age of 35. His wife recently joined hi...
Episode 430: The S&P 500 peaked in January 2022. It’s worse for the RUSSELL2000, with a current price at below pre-Pandemic levels. Sign up for free ALERTs & Market Commentary at: https:...
In 2021, the Corporate Transparency Act (CTA) was enacted with the goal of unveiling hidden ownership structures and counter illicit financial undertakings. Yet, while its implications are far-reachin...
November 12, 2023 – If I wanted to comment on every piece of bad advice in the personal finance community, my quiet, relaxed early retirement would be busier than the corporate career I left in ...
How it Makes Sense to Sell Real Estate in the US and Buy or Rent Real Estate in Mexico...
Living single is on the rise. Trends indicate that singlehood is not only more common but is celebrated worldwide. What might living solo mean for retirement planning?...
Longer lifespans have given older singles the opportunity to have new, long relationships. But they need to first accept that it likely will be different this time around....
Younger generations say they’re interested in speaking about their finances with family…...
Consumers were likelier to point to inflation and the economy as a major barrier to a…...
Founding members include Alight Solutions, Empower, Fidelity Investments, Principal, TIAA,…...
OneDigital and Principal offer a new retirement savings tool aimed at small businesses, and…...
As discussed many times in this website, the Actuarial Approach employs a model and a process that involves systematic comparison of household assets and liabilities and tracking of the resulting hous...
The Sunday Bestis a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. ... Read more...
Coalition says 60 days “not nearly enough time” to review and comment on controversial…...
Transamerica Center for Retirement Studies releases 23 facts about women's retirement…...
Introduced by Sens. Joe Manchin and Mitt Romney, the Fiscal Stability Act aims to "stabilize…...
Tech giant employees can still contribute to their 401(k), but key incentive to do so going…...
How to know when it is time to take your portfolio off autopilot...
TIPS and I Bonds are inflation-adjusted IOUs issued by the U.S. Treasury. So, how are they different? In this post, ... Read more...
This past October 31st launch of… Pathfinders …has been two years in the making and it is a book I have wanted to bring to you since 2016 after The Simple Path to Wealth was published. W...
Housing for homeless vets has gotten better but there is still much to do. The VA, states, counties and cities have to work to solve the housing issues....
But, financial advisers note, most people cannot afford to set aside the maximum amount. “This is a system geared for high earners,” one expert said....
Pick the one thing having to do with your retirement that gives you the most concern. (I know that might be difficult) It can be anything. Is it your finances? Your health? The state of the world or t...
From medical advancements in Alzheimer's testing to experimental tattoos for monitoring heart health...
Getting close to transitioning to a working retirement but since downsizing options are now gone in my region of the PNW, I find many things to worry about! I’m 65 and eight months. How much hav...
Hello folks. Wife and I at that age we're planning to retire. Although we're pretty simple and don't live fancy, we have both worked professionally for decades and have 401k's about $1m each, we have ...
At what age do Required Minimum Distributions kick in? (I'm 67 now.) What kinds of accounts do they apply to? I have a mix of Roth and conventional IRAs, 401k's, annuities, and some TIAA/CREF stuff, t...
To mark our 65th birthday, AARP is publishing an extra, digital-only edition of AARP The Magazine that explores aging across a wide range of reports...