Curated articles and podcasts from trusted financial experts and real retirees.
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When it comes to money habits, we can either form those that cause us to be saddled with debt and worried about our financial future or those that bring us financial freedom. The good news is that it ...
A 529 plan is one of the best generational wealth transfer tools. Instead of just giving our kids or grandchildren money, it’s way better to give them the gift of education. Thanks to the SECURE...
It’s every home-owner’s worst nightmare. Already drowning in debt, and with a rampaging cost of living crisis causing many families to barely be able to make ends meet, they get a notice f...
Retirement Planning Software. Our mission is to help you overcome uncertainty about retirement planning and inspire confidence in your financial future....
New legislation raises the amount you can transfer from your rollover IRA to a qualifying longevity annuity contract (QLAC), reducing RMDs and increasing guaranteed lifetime income....
An appointment with your estate planning attorney can address any holes that have developed and ensure everything is in place....
Using a combination of dividends and structured notes in your retirement portfolio can offer liquidity, income and risk mitigation....
Some days it’s just a gym visit and the grocery store, and those days are the hard ones. Theoretically, it should be gym, tidying and purging, reading, tv, dinner, Duolingo, but more often it&rs...
A new year means another chance for a new beginning. For Gen-Zers, choices today can mean the difference between a comfortable retirement or an anxious retirement tomorrow....
I have an outstanding collection of resources this month. We’ll start with two always popular topics among readers of the blog, shifting from saver to spender and creating retirement income. I h...
Life is full of surprises and retirement is no exception. From the perspective of someone on the other side, here are 7 things I wish I knew before I retired. Continue reading...
The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading ... Read more...
Some more sausage was made at the very end of last year in our esteemed houses of Congress: the SECURE ... Read more...
Oh wow, I just realized that I can make catch-up contributions this year. Yes, I’m turning 50! Ugh, I feel old. My neck is sore and my lower back is hurting. I’m taking 3 pills every day. ...
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Relying on market performance to close the gap in your retirement income could let you down, but a CD ladder and fixed annuities could provide some certainty....
Look to build savings, reduce risk, minimize taxes and ensure a successful retirement by reviewing your budget, contributions, allocations and beneficiaries....
Love ’em or loathe ’em, annuities can be a smart investment tool for the right person under the right circumstances....
Have you ever wondered, "Why is gold valuable?" From being a symbol of wealth and power, to being used as currency and a store of value, gold has a rich history that spans from ancient civilization to...
I've been on the road, traveling to and through Florida, for about ten days. For those of you who don't know Florida, I thought I'd tell you what's interesting about the state. The beach. There's lots...
Beginning in 2024, you can convert your child’s 529 plan to a Roth IRA. This backdoor Child IRA now becomes a valuable planning tool. Here’s a step-by-step process you can start today....
Because near retirees have no significant source of retirement income besides Social Security many will have to take any job they can find....
January 28, 2023– Myths, misunderstandings, and just plain faulty thinking occur in retirement, just like they do in every other phase of life. But unlike earlier stages in our careers, where th...
Any annual review—whether year-end or your birthday—prompts thoughts of “Can I do better?” Well, it’s best to look before you leap because the grass is not always greener...
How much money have you saved in your IRA and 401K? Making contributions to one of these tax-deferred retirement accounts is the easy part. But withdrawing this money in retirement gets complicated. T...
It may not be easy, but these things need to get done....
As I near my 10th year of early retirement, I’ve had a lot of time to reflect on what it means to “FIRE”. And, I’ve been toying with the idea of redefining FIRE altogether. If ...
'Is it possible to contribute to a new 401(k) account to get additional matching?'...
On December 29, 2022, the SECURE Act 2.0 of 2022 was signed into law to enhance America’s retirement savings outlook. Discover 5 ways the SECURE Act 2.0 can boost your retirement savings....
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If you want to avoid Alzheimer's disease, one of our greatest fears, consider these preventive strategies from experts in research. Yes, it's lifestyle, not a pill....
After a long holiday hiatus, yoga classes picked up again at my local community center. I never thought I would be so excited about an exercise class. But, as I learned during the past few months, yog...
Your retirement plan can stay on track when you avoid these big mistakes....
If you're thinking of retiring early, you may be wondering how much you need to retire at age 55. The exact amount of income you should have put away is going to depend on different factors. But if yo...
It now takes retirees more than a cool million to fund an average lifestyle in nearly 40% of the 384 U.S. metropolitan areas....
Geoarbitrage is best defined as moving to a lower-cost-of-living area to enjoy a better lifestyle with the same income level. This can be a great life hack in pursuing Financial Independence/Retire Ea...
In this article, we show you How To FI: Reaching financial independence is a goal that everyone should strive towards. Financial independence, also known as FI, means finally having the freedom to liv...
When you invest and where matters for taxes. But a few rules of thumb can stave off some nasty surprises, our columnist says....
Misconceptions about passive income abound, namely that it’s easy to earn....
When you retire, you will need to switch your thinking from being a saver to being a spender. The trick is to balance your withdrawals from spending too little and potentially dying with too much mone...
Welcome tothe Retirement Rebootcast. That’s what I’m calling this special podcast series on my new book –Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track...
My Uncle gifted me one share of Chevron stock in 1995, seeding my lifelong dividend stock investment portfolio. But I didn’t start living off dividends until I left my IT career in 2022. There w...
Like many folks in my generation, a morning paper in the driveway was part of my life for as long as I can remember. My parents subscribed forever, and I developed the same habit. Except while away at...
Don’t be mistaken into thinking that rising interest rates can justify claiming Social Security benefits early....
Traveling between two countries and two lives...
The economy grew at a substantial 2.9% in inflation-adjusted terms in the last quarter of 2022. Continued monetary policy tightening and massive fiscal policy uncertainty over Republicans’ stanc...
Motivate yourself to spend time developing strategies that address common challenges facing retirees....
Whoops! One of the most advertised benefits of SECURE 2.0 may have been accidentally eliminated because someone removed a subparagraph in the thousand-page law....
There’s a problem looking at all things SECURE 2.0 through rose-colored spectacles....