Curated articles and podcasts from trusted financial experts and real retirees.
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Instead of treating your Roth IRA as "the best account" for everything, consider keeping these seven assets in accounts with better tax benefits or flexibility.
Your adviser probably uses technology that lets them manage your portfolio at the touch of a button, so why haven't they updated how they charge for their work?
Hey Everyone! I’m still here. The Retire by 40 blog is on life support, but I’m committed to posting at least once per month this year. Did you know Retire ... Read more The post Q1 2026 FIRE Update a...
I posted this question a year or so ago. I also discussed this with my financial advisor. He gave me all sorts of things to do. I'm asking here because I forgot, and a 2nd and 3rd opinion always helps...
I know some retirees end up spending a fair amount of well-earned money at the start of retirement, living Big Adventure dreams. A month in Greece and Turkey. Buying an RV and spending a year or two o...
Learn how CalSavers applies to California workers and employers, including automatic Roth IRA enrollment, payroll deductions, and benefits. The post How CalSavers Works: What California Workers and Em...
How AI, Gig Work and Contract Jobs Are Changing Retirement: The Shift from Pensions and 401(k)s to a New Work Contract Is Reshaping Worker Financial Security
No matter what you think about previous generations, they just might have legit financial advice that can help you reach your goals. The post 5 Financial Lessons That Boomers Taught This Millennial Th...
Here are some of the most common misperceptions about what you need to be financially comfortable in your later years.
Too much free time in retirement can come as a shock after decades of working. How can you ensure you don't overfill your days or let too many drift by?
As a parent to two young children, I am a target client for universities everywhere. So far, I have saved over $800,000 in two 529 plans to pay for universities in 9 to 12 years. I know we need to pay...
Since 2009, I've been writing about all the ups and downs of my financial independence journey, the good and the bad. What I can clearly say is that who you partner with in life is one of the most imp...
In a previous post, I debated whether it’s better to buy a home with a bigger lot or an amazing view. One key point was that unlike increasing livable square footage, it’s nearly impossible to create ...
We're 60 with $550K saved. We know we'll inherit when my elderly father passes away. Can we retire now, even though we can't technically afford it?
Financial independence isn't just about hitting a certain net worth or reaching a magic retirement number, it's a personal journey shaped by your habits, values, and the emotional baggage that money c...
The best gift money gives you is not having to think about money. Once you activate the “not needing any ... Read more
We all know that panicking is one of the ways investors lose money. Panic selling during the 2008–2009 global financial crisis may have put some investors into the permanent underclass. Not only did t...
Now that WCICON26 is officially over, let's go behind the scenes while I tell you some of my favorite stories from the conference. The post Talking to Mike Piper, Christine Benz About the Pressure of ...
From what I’ve read it’s my understanding if I claim a SS Survivors benefit the amount is based on a percentage of my spouse’s SS benefit at age 67 (FRA). If I claim the benefit at age 60 it would be ...
Is your "forever home" actually a "Peter Pan house?" The age-in-place dream often hits these three unexpected roadblocks.
Claiming Social Security is a lifelong decision, and poor choices can cost the average couple more than $180,000. Complete these tasks to avoid a big mistake.
I want to thank everyone for your comments when I originally posted my dilemma a few weeks ago. https://www.reddit.com/r/retirement/comments/1r2jphd/its_here_a_little_earlier_than_i_expected/ Original...
Disability insurance is a must for a doctor, and plenty of options exist. Here's what to know about graded vs. level premium insurance. The post Graded vs. Level Premium Disability Insurance appeared ...
One of the challenges of obtaining home health care for seniors is its cost, which is often beyond the means of people and their families. The cost barrier is especially true of aides hired through pr...
Many RBD followers are aware that I have a second brand/website/podcast called Access IPOs that initially spun out of RBD way back in 2016. Access IPOs helps ordinary retail investors find opportuniti...
We just retired at 67 with $4.1 million. My husband wants to keep 50% of our investments in stocks. I say it's not worth the risk. Who's right?
A new proposal could cap Social Security benefits at $100,000. Here’s who it impacts, why it’s gaining traction, and what it means for your retirement.
Find out if your retirement savings are on track with our quick quiz.
If you're already serving mass-affluent clients, moving into the high-net worth arena may seem like the natural progression. But it's not always that simple.
The 2026 news cycle is spinning at a dizzying pace. Technology is rapidly upending how we work and live. With midterm elections on the horizon, our leaders in Washington are sharpening their visions f...
I’ve a bit of an issue with chocolate. More precisely, I’m a chocoholic. Love the damned stuff with a passion ... Read more
April Fools. It's April 1st, sorry about that. No, I'm not putting the suit back on. But I am going back to work. Just not the kind you clock in for. I recently read a piece built around Stewart Brand...
I think most of the folks that post here are at the early stages of retirement. I retired at 61 (forced). Now at 65. I had a little spot on my face. I have had it for long time. PCP never said anythin...
First of all, I was very happy to find this subReddit last year, it has been a very helpful and comforting place as I planned (and re-planned) my own retirement. My last day will be end of June, I tol...
Retiring in 8 months @ 60. I think I can provide us the gains a 60/40 gives but make it feel like a 3 bucket safety net - sort of a hybrid of the two: - 2-3 years in cash equivalent (money market/CD l...
We are looking to downsize from a 4500sf home. Naturally, that will mean giving up space, but we’re having a hard time prioritizing. Every room in our current home is spacious and we have lots of stor...
Here's a look at the smart, luxury modifications that prioritize your recovery, relaxation and effortless entertaining.
Good communication between clients and their advisers starts with one simple question: Do you want hard truths and real analysis, or just a sounding board?
The contribution order for retirement accounts can affect how much your money compounds tax-free. Here’s how to prioritize for tax efficiency. The post The Retirement Account Contribution Order: Get M...
Money is not all about numbers and analysis. Emotions can help and hurt your financial security. Learn how to be an emotionally intelligent investor. The post Emotional Intelligence and Money: Are You...
Capital gains tax can cost more than you expect when investment profits stack on top of ordinary income. Here’s how to plan around it. The post Capital Gains Tax Brackets: How Income Pushes Your Rate ...
Arthur C. Brooks argues that staying in your career too long is a real risk, and that most successful people retire later than they should. The post From Strength to Strength: The Smart Case for Retir...
My last day was mid December last year. Enough time has passed that I now sleep through the night and the home improvement projects are moving along nicely. I felt a little strange at first when money...
From navigating the 'Landslide' of change to embracing her own mystical path, the rock legend offers a masterclass in living life on your own terms.
Replace magic with the hard work it takes to analyze your needs and resources in retirement.
Answering listener questions about whether it makes sense to sell a legacy investment for a lower-cost option and how to think through that tax tradeoff, how to choose tax lots in a taxable account, a...
On rare occasions, I read something so powerful I have to share it here. Today is one such occasion. Dan Haylett is one of my favorite writers, and a heckuva […] The post Your 12 Good Years appeared f...
A listener asks about a spendthrift trust for his adult "airhead" granddaughter. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through thei...
More people are using AI tools every day to ask questions, solve problems, and even talk through personal decisions. But many users make one dangerous assumption: that their conversations are complete...
Advances in predictive medicine are starting to raise a fascinating question: what if we could estimate our longevity with much greater accuracy? New blood tests and biomarkers are being developed tha...