Curated articles and podcasts from trusted financial experts and real retirees.
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A Roth conversion is a powerful tax-saving tool, but there are several situations where taking that leap might actually cost you more in the long run.
This plan for Gen X parents running the Bank of Mom & Dad can help you get a handle on how to manage the financial support you give your adult children.
Rising premiums, fewer options and limited benefits can make a long-term care policy hard to find and hard to afford. There are alternatives to cover the costs.
If you're not talking openly with your adult children about money, you're failing to help build their financial independence.
This Roth retirement savings strategy allows high earners to sock away up to $72,000 a year — if their workplace plan permits it.
Before I retired I made a list of hobbies and activities I would like to start and/or continue doing. Like many people, I was a bit concerned with being bored with an extra 40 hours a week on my hands...
J.P. Morgan research found 84% of retirees never draw more than the RMD minimum. Here’s how to tell if that’s the right move for you. The post 84% of Retirees Take Only the RMD Minimum. Here’s When Th...
Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement. The post Consumption Smoothing: What It Means and How It Works ...
Did you set a budget that matched your planned retirement income and live on that for a period of time before you retired? If you have a partner was it difficult to get on the same page? Wife and I ar...
Roth vs. Traditional is a tax‑timing decision: pay tax now or later. Roth suits low‑bracket earners; Traditional helps high‑bracket savers; late‑career planning favors strategic conversions. Blending ...
Eligible workers can get up to $1,000 from the new Saver’s Match starting in January. Learn how to open an account, check your income and secure the full benefit.
When Fundrise's Innovation Fund (VCX) listed on the NYSE on March 19, 2026, its net asset value was $18.97 a share. Within days, retail investors momentarily bid the price above $400. That's more than...
This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocat...
If you're asking a financial advisor whether using them is "worth it," know that this is a reasonable and totally unanswerable question. The post Paying for Financial Planning — Is It ‘Worth It?’ appe...
The OBBBA set some "tax traps" that target some of the executive suite's financial perks. Here's how you can dodge those sneaky ambushes.
Wisdom can be a far greater gift than money. After all, what good is an inheritance if children don't know the values behind it or have the skills to handle it?
One of this year's bestselling books is a timely reminder of the dangers of leaving money matters solely to your partner.
The most common question I get when being interviewed about FIRE is “What about health care?” It’s a big, scary question. Health care costs in America, if not managed properly, can easily run into ten...
Medicare's alphabet soup confuses millions. Learn the difference between Parts A, B, C and D, Medigap Plans G and N, and Medicare Advantage PPOs and HMOs.
Annuities can help you feel confident to enjoy a financially secure, healthy, and happy retirement.
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast 590, Joe Anderson, CFP® and Big Al Clopine, CPA spitball for...
A home has stopped being just a place to live — it has also become an asset.
Healthcare is one of the biggest expenses retirees face, yet few people understand how the system behind their care actually works. Jeremy Keil welcomes physician, hospice doctor, and author Dr. Jorda...
We live by two invisible sets of rules: market norms and social norms. Here's how physicians can navigate both sets to better ourselves. The post Navigating Social and Market Norms in Medicine appeare...
Retirement readiness is more about data than feelings. Focus on the hard numbers — your savings, income and debt — to determine whether you're truly prepared.
Your decision will depend on several factors, such as your interest rate, the tax impact, your available deductions and your cash flow situation.
Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to hel...
I've got a decent chunk saved for retirement (to the point where I'm beginning to back off on contributions a bit), but I'm still a few years out, so I have some time to make some adjustments. What ar...
What we think about and say to others and to ourselves about aging can affect the health and longevity of our lives. Mindset about aging matters.
Tilly Norwood's debut raises a bigger question: as AI grows more personal, who will you consult first—your doctor, advisor, or an AI that knows you?
The once-stodgy, boring Medicare program experienced many changes over the last few years. More changes were announced in the last few weeks.
Before I die, I have a whole bucket list I want to get through. One item is experiencing what it's like to be a startup employee whose company goes public. If you're considering joining a startup, or ...
If your net worth is too low relative to your age and gross income, you're an under accumulator of wealth. Here's why doctors often are. The post 9 Reasons Doctors Are Under Accumulators of Wealth app...
Though this isn't special to retirement, retirement does tend to accentuate the difference because you're living as you'd like. It's also not unusual at all for spouses to be completely different in t...
I volunteer through a local literacy agency teaching English to immigrants, and I love it. I really like the personal relationships I develop, and the obvious good I'm doing, and it's interesting lear...
Hello - I’ve really tried to make this short but without success. I hope you’ll read it. I would love suggestions. Hello - I’ve read similar posts but nothing yet that addresses my unique situation so...
Supporting your adult kids shouldn’t mean risking your retirement. Our Wealth Wise columnist explains how to help them when times are tough.
Your income will determine how much you pay, but here are some smart strategies that can help you lower your premiums.
As retirement approaches, you need to shift focus from simply saving money to creating a plan for reliable retirement income while also protecting your wealth.
The Billionaire tax retirement security fight is about Medi-Cal, Medicaid spend-down, and who pays when middle-class families need long-term care.
You can hit your number, be fully financially ready, hand in your notice, and still end up miserable. Or worse, running out of money. In 15 years as a retirement advisor, I've watched it happen again ...
Technology is changing the way financial planners work and opening new doors for high earners. Here's why you may benefit from revisiting your existing plan.
We talked to a number of WCIers about their first car and what it taught them about money and finances. Here's what they told us. The post What Did Your First Car Teach You About Money and Finances? a...
I hope everyone is having a great week so far! You all have been so helpful with my last question I thought I’d ask another. Now this one isn’t quite as serious. What do you wear when you’re at home d...
Relocating to a tax-free state like Florida or Texas seems like a good idea, but unexpected expenses add up fast. Here is how to ensure your retirement move doesn't break the bank.
The Social Security decision for the higher earner in an age-gap marriage is tricky, as claiming age can determine a widowed spouse's income for years.
Between Trump accounts and child-friendly investment platforms, it has become much easier for parents to invest for their children’s future.
As I look ahead to graduating from residency, here are my thoughts about whether and when I should change my portfolio's asset allocation. The post Why I’m Changing My Asset Allocation Before I Become...
Worried about rising rates? Here’s how to avoid a bigger bill after you stop working.
I’ve been with my advisor for about 8 years. I’m 61 and retiring at the end of July (in 3 weeks). The last several calls/virtual meetings with my advisor have gone a little too fast for me. I feel lik...