Curated articles and podcasts from trusted financial experts and real retirees.
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Update: as someone who never created a spending budget (link below), I finally did one as we get closer to retirement. Tried Mint and Personal Capital, but neither worked well for me (PC couldn't down...
Yesterday as we were delivering Meals on Wheels to so many who can barely make it to the door, I asked my husband what his plan was for when he can’t drive anymore and for when we are shuffling ...
Back in 2009, the Tax-Free Savings Account (TFSA) was introduced to Canadians. Since then, TFSAs have grown in popularity, and as a result, there have been many great debates over the Registered Retir...
Hello. I am retiring soon. I am receiving SSDI. I have a 401a and I also have a regular pension which I have the option to take payments or take a lump sum. I am going to take the lump sum, combine it...
Mine is running a 5k with my grandkids. submitted by /u/Captain-Popcorn[visit reddit] [comments]...
submitted by /u/The_Bow_Dasher[visit reddit] [comments]...
The Internet has become a necessity in our modern society. Yet 42 million Americans live in areas of the country where the connections to technology are subpar or, in extreme cases, nonexistent. At th...
By Dr. Charles Patterson, WCI Columnist Moving is a part of life for physicians. While there are doctors who spend their entire educational and medical career in one state, they tend to be the excepti...
Long-term care insurance can be confusing at times, so here are some insights about premium increases, when you can use your benefits and other issues....
Though the markets are still fluctuating, this expert sees an encouraging upward trend and is giving himself permission to check his investments....
3S Health is Recruiting Senior Living Focus Group Participants Do you or someone you care for live in a senior living community (Assisted Living, Independent Living, Nursing Home, Memory Care, etc), r...
Why reinvent the wheel when you can benefit from the experience of others? Here are some real-life stories from folks who have created sustainable side hustles....
With Medicare, what you think you know can hurt you....
February 23, 2023 — One of the hottest acronyms in the real estate world is ADU, which stands for Accessory Dwelling Unit. Demographic shifts from Covid, exploding real estate prices, and a shor...
Mine is that I didn't travel more when I had the opportunity. I let it slip away. submitted by /u/Scott-A-Gese[visit reddit] [comments]...
From AARP magazine source: https://www.aarp.org/entertainment/celebrities/info-2023/tom-brady-interview.html Q. You retired, then unretired last year. Is retirement overrated? A. “Retirement&rdq...
Those of you who are retired and don’t have a pension and didn’t save 1mm dollars, how comfortable are you in retirement with SSec and a moderate retirement savings? Did you downsize your ...
Open AI Chat GPT was asked to write two articles—one about why the stock market will go up and another about why it will go down. While this technology is in its infancy, it’s already impr...
In our post of July 23, 2020 entitled, “How to Fix Advisor Retirement Planning Models,” we summarized some of the problems with commonly used Monte Carlo approaches used by financial advis...
A couple of things happened recently, I was on a cruise and I have started taking over 50 exercise classes at the local Rec’ center and more than once I looked around and said to myself “t...
Here’s a scenario that’s played itself out several times since I started writing about personal finance. A couple, at or ... Read more...
I recently went out with some good friends of mine – one I’ve been friends with since high school and two since college. They’re great guys and it’s always fun when the stars a...
Buying real estate with someone other than a spouse can be a costly mistake. A cohabitation agreement will make it easier if the relationship goes south....
Know the long-term effects before choosing a plan....
Should you work with an attorney to write your will, or can you do it yourself? That depends on a number of things, including where you live....
This article proposes that, as a way to encourage consumers to save for retirement, banks offer a new type of savings account that has retirement plan features, the demand for which, unlike existing s...
Introduction Credit cards are a ubiquitous financial tool in our modern world. They offer a convenient way to make purchases, build credit, and earn rewards. However, when it comes to kids and credit ...
Are you looking for higher returns on your investments? Well, if you want to go big, then you might just have to go small. What I'm talking about is called "small cap investing," or investing in stock...
Special Thanks to the author SW Hubbard (Susan) for this article, which was originally published on JungleRedWriters.com. It is the latest in our Downsizing/Decluttering/Ridding Out Series. February 2...
During tax season, Canadians are constantly reminded to contribute to their RRSPs in order to receive a tax deduction. But how exactly does an RRSP tax deduction work, and how much do you need to cont...
By Dr. James M. Dahle, WCI Founder Dear Insurance Agent, Both in the real and the online world, I have had the opportunity to interact with dozens of you. The vast majority of those encounters have be...
submitted by /u/The_Bow_Dasher[visit reddit] [comments]...
I understand being financially prepared and having that plan in place, I am having a hard time getting my brain to accept that I don’t need to work my ass off to seek promotion or new responsibi...
If my spouse retires at age 62 and receives a reduced benefit on her own record, and I retire at my FRA when she is 65, which of her ages is used to determine her spousal benefit? 62 or 65?...
My FRA is 66 and 4 months, which I hit last month. But I'm still working and plan to delay my social security until July (when I'll be 66 and 10 months) -- believing (from some places I've read) that ...
My husband’s employer offers a 3% match to a Simple IRA. When he turned in the form, they told him that he needs to set up an account on his own and they just make the contributions directly to ...
I have a friend who is being forced into retirement at age 69 by physical issues. This happened very suddenly, and he has not really thought about daily life in retirement. The health issue will force...
I had kids late. All 3 are under 14 so things are tight but I'm trying to prepare for retirement for my wife and I but don't know where to start. Everything I've read elsewhere seems to lead me to "WH...
Curious to hear from folks that retired when they hit their employer’s “magic number” (well before being eligible for SSI and medicare) to receive health insurance benefits for life ...
We Compare VWO vs EEM: We’ll compare two popular emerging market ETFs: the Vanguard FTSE Emerging Markets ETF (VWO) and the iShares MSCI Emerging Markets ETF (EEM). Before we dive into the compa...
I’m concerned that my older sister has done nothing to prepare for retirement. It’s worse than that, she’s worked gig jobs and avoided paying taxes. At this point I doubt she’s...
We've been looking on indeed but that has been limited for these types of jobs. Looking for other sources where can search for jobs? My dad is physically pretty active but at this point doesn't want t...
How do you handle feelings of guilt as you try to enjoy your retirement as others around you are struggling? I am very fortunate to be enjoying a modest retirement that allows me to make small charita...
A record number of Americans are taking hardship withdrawals and tapping into their 401(k)s. According to Fidelity, “Participants taking hardship withdrawals from their accounts rose to 2.4% las...
Hey peeps, before we get started with today’s reader case, I want to invite you to a Facebook live event where we talk about Passiv, one of our favourite investing tools. We’ll chat about ...
submitted by /u/BestInterestDotBlog[visit reddit] [comments]...
By Dr. James M. Dahle, WCI Founder Anyone who has been around the physician financial blogosphere has probably heard someone cite the “one house, one spouse” rule of thumb. In 2015, I expa...
My main goal* was to build an investment and cash portfolio of$1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in1500 days**, starting from 1/1/2013 and ending in February of 20...
Recently, I can’t help but shovel more money into Treasury bonds. With 3-month-to-1-year Treasury bonds yielding 5%+, I feel like the guaranteed return is too high to pass up. But the more Treas...
My Fidelity rep suggested I consider a guaranteed life single annuity being offered by NY Life, because they are offering an interest rate of 6.53%. For a $550K purchase cost, $3,010/month guaranteed ...