Curated articles and podcasts from trusted financial experts and real retirees.
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Seven million low-income Americans who would qualify for SNAP food stamps are not receiving them. And millions have fallen out of their state’s Medicaid coverage or Children’s Health Insur...
Thebrief’skey findings are: Our2023 Small Business Retirement Survey looks at why some small firms offer a retirement savings plan and others do not. Factors that affect whether small firms offe...
This is my 15th yearly retirement budget first quarter test since I retired young at age of 51. When I mentioned retirement budget challenges with every new year’s first quarter to a yet to reti...
Who stands to gain the most from the settlement reached with the National Association of Realtors regarding commission price collusion? The clear beneficiaries are residential real estate investors an...
Nearly half (44%) of all American households with members aged 55-64 have no savings at all and will have to rely entirely on Social Security....
The suggested solution from many who make it can leave regular people thinking they’d still get the same amount. It’s a case of bait and switch....
Retirement can hit us with numerous curveballs. One of those could happen right out of the gate–being forced with an early retirement. We all know that layoffs are part of the corporate landscap...
Who woulda thunk it? I’m a little over a year from turning 50 and I couldn’t have imagined that I would be posting about aging well! I guess time flies when you’re having fun, right?...
Here are some tips to help you avoid falling for a scam, especially when a scammer tries to prey on your affection....
If I should pull the trigger. I’ve been with same company for almost 35 years. I have planned to retire at 59.5 for a while now. We will be debt free, and financially be fine. But, I hate leavin...
I am 66 and retired for two years. I've owned whole life policies for over 30 years and have accumulated a cash value of +400k. (I know, it was a bad investment, but here we are). Death benefit is abo...
The Labor Department’s latest push for a new fiduciary rule would protect investors’ retirement savings and require financial services providers to change....
Check out the latest podcast episode on retirement planning and Social Security by listening on “Apple Podcasts” or “Spotify Podcasts” and watch more retirement planning videos...
(TLDR: A 2-minute stream of consciousness about aging, friendship, and happiness). Like a blurry-eyed man standing in front of a mirror, I lived most of my life without much introspection. Could I att...
A friend, new to Medicare, asked me whether Medicare covered annual physicals. Spoiler: it does not....
The labor market has been booming for years, but the speedy recovery from the depth of the pandemic-induced recession has been uneven....
The easiest way to become a millionaire is to max out your 401k contributions every year. It’s a lot of money to put away but trust me. Your 401k will grow and become the foundation of your port...
Figuring out when it’s time and knowing how to talk about it are just the start. You also need info about estate plans, insurance and health care decisions....
How much money do you need to save … To retire successfully today? Is it $500,000? A million dollars? 5 million dollars? Have you come up with a number that will allow you to finally retire? Mo...
Are you looking to invest in a market index ETF? If you are, you likely came across VTI and SPY. ... Read more...
When it comes to S&P 500-indexed exchange-traded funds, Vanguard provides two key ETF options: VOO and VOOG. When deciding between ... Read more...
BlackRock Chair/CEO Larry Fink calls on companies to help support an organized, high-level effort to address a looming retirement savings crisis....
Americans are taking early withdrawals from their 401(k)s at record rates “across different ages and income levels.”¹ According to Capitalize, “Half of Americans have made early...
Flat-fee financial advisors aren’t for everyone. In fact, there are three types of investors who should steer clear of flat-fee financial advisors. In today’s episode, we’ll talk abo...
I’m a 54F who really wants to retire in two years. My partner and I have planned for retirement at age 59. He said he is okay with me retiring in 2 years-but I’m concerned he will be resen...
Jimmy in Wisconsin will have a pension, Social Security, and a seven year retirement shortfall. How should he cover it? Skipper in Texas has some unusual pension options, which makes the most sense fo...
This month’s resources start by exploring the impact of rising interest rates on your retirement planning. We’ll also contrast the difference between investing and speculating. Articles fr...
In the world of personal finance, we are constantly bombarded with messages about things that could significantly improve our financial ... Read more...
VOO and QQQ are two of the most popular Index ETFs on the market. While both are well diversified, have ... Read more...
Listener Drew asks about a tax strategy for juggling capital gains and Roth conversions. While it can be a complicated question – especially when large accounts are involved – James provid...
You really should start thinking about next year’s taxes immediately after filing this year’s. Better tax efficiency could save you some serious dough....
Freelancers have to be vigilant to keep track of where their money goes, whether it’s to cover daily necessities, saving for retirement or other expenses....
Are you looking for a total-market ETF to invest in? If so, you likely came across VT and VTI. VT ... Read more...
Now that I'm on a quest to save money and improve my cash flow, I've stumbled upon some new ways to save that I hadn't really considered before. Let me share with you my latest realization about how g...
Ongoing planning in retirement involves periodically assessing whether spending may be increased or must be decreased to remain on track. In his recent Kitces.com article, How Communicating Guardrails...
I’ll spare you all the details as I’m not seeking direct advice (yet) but rather leads for direct advice. Who to trust? Is there an online application that can assist me in sorting timing ...
I soon will be selling my house to move into an apartment. I'm very excited for the move as the joys of homeownership have been getting less joyful. In the next couple of years, I may (or may not) dec...
Photo credit: jb In his Preface to the Fourth Edition of Benjamin Graham’s legendary book The Intelligent Investor, Warren Buffett wrote the following: To invest successfully over a lifetime doe...
The Sunday Bestis a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. ... Read more...
We recently got a question in our inbox that goes like this: I have used Norbert’s Gambit before to exchange CAD to USD in my Questrade RRSP account. But I also read about your recent travels an...
Don't overlook the hidden cost of last-minute IRA contributions....
Where are we going to get the workers to care for us? How are we going to pay them? In my view, long-term care is one of the major challenges facing an aging society. Care can take the form of a nursi...
Last day of work was yesterday. 63M. Couldn’t quite finish all the tasks I needed to complete - office still not fully cleared out, personnel paperwork not completely done. Was expecting to feel...
Most folks on this sub appear to be homeowners. I'm curious if anyone is permanently renting in retirement, and intends to keep it that way? If so, why? Was it a financial necessity, just practical, o...
A comprehensive look at what's going on with Social Security....
Parents often feel compelled to help their kids pay for college, but when that could result in you moving in with them later, you should put your savings first....
HAVE YOU EVER BEEN OVERPAID? ANY COMMENTS? ? I HAVE NOT AND HOPE IT NEVER HAPPENS. I FEEL BAD FOR FOLKS WHO WERE "INNOCENT" BUT NOT THE OTHERS! ? FROM THE ARTICLE - SEE ARTICLE FOR MORE. Social Securi...
Have you ever wondered what questions to ask an advisor? Some questions might be obvious and some might not. So, in this episode we explore a number of questions (and answers) that could be important ...
False underlying beliefs can create a cycle of self-fulfilling failures, while correct beliefs can fuel our success, both personally and financially....
Edit: WARNING spreadsheet references ahead. Avoid if you are allergic to spreadsheets or you get PTSD from your previous life working with spreadsheets. ? For the spreadsheet builders, here are two in...