Curated articles and podcasts from trusted financial experts and real retirees.
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From "tax traps" to "safety deposit box blunders," discover the 10 most common mistakes people make when planning their estate.
Older adults spend more time on screens than any other age group — and retirement doesn't automatically change that. Here's what might actually help.
When you first start putting money into the stock market, your investment accounts may not seem to be that valuable. But over time, those accounts may very well be the lifeblood of your entire financi...
In the likelihood of a protracted conflict, these experts think people in or close to retirement need to review their asset allocation. The post How retirees should respond to the Iran crisis appeared...
Since we can actually start using Trump accounts, aka 530a accounts, on July 4, 2026, let's talk about what we actually know about them. The post What You Need to Know About Trump (530A) Baby Bonus Ac...
From the cost of long-term care to outliving your savings, aging is full of risks that are almost too scary to contemplate. Here's how to face them fearlessly.
Many retirement shortfalls aren’t caused by market crashes, but by everyday mistakes. These small decisions can quietly cost you years. Here are 12 common mistakes that can delay retirement and what t...
Yesterday was my last day of work. I just turned 61 on Easter. I have a full NYS retirement pension after working 30 years in public service. This feels weird. I am in the process of moving to be a bi...
I’m confident that I have enough saved for a comfortable Retirement but with all the market uncertainty I’m wondering about the wisdom of pulling the plug inside the next 6 months and maybe just keep ...
it's worth parsing Dave Ramsey's recent discussion of the Bogleheads and then talk about what both parties get right. The post Dave Ramsey vs. the Bogleheads appeared first on The White Coat Investor ...
Hi readers, it’s been a while since we’ve done a reader case, so here goes! This one is a doozy, and I knew it as soon as I saw the headline in my inbox “FIRE with 7 kids”. If you have a big family, i...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
This post is a follow-up to our post of July 2, 2025. In that post, we talked about the possibility of future Social Security benefit cuts and how you can use the Actuarial Financial Planner to estima...
Ageism can be internalized and prevent us from reaching our potential. Learn how your attitude toward aging can add years to your life.
In anticipation of, and the initial years of, retirement, we're working through a list that was in part put together with the help of this board! We're currently doing some kitchen upgrades. One of th...
This is my first post in this group, so if this is out of place or out of line, I'm happy to remove it. I never had a plan for retirement, just, sock money away in a Vanguard account and hope for the ...
After retirees have spent a lifetime accumulating savings, one of their biggest hurdles is overcoming their reluctance to spend their money.
We're 75 with $3.2 million. Our son is pressuring us to help pay for our granddaughter's college so she can avoid student loans. What should we do?
You'll most likely need long-term care as you age. Not planning for it puts your assets and your family's peace of mind at risk. Here's how to tackle the beast.
A recap from the week: Gas prices posted their largest monthly jump on record, pushing U.S. inflation to a two-year ... Read more
Everyone should own their own business. It has so many awesome benefits and few downsides. Here are some of the benefits I've experienced. The post 10 Reasons You Should Own a Business appeared first ...
Planning to live to 95? Why your retirement strategy needs a 'healthspan' reset.
Wealth transfer isn't about dramatically revealing the size of an inheritance. It's about communicating your story and preparing heirs to uphold shared values.
They say too much TV will rot your brain. I spent many hours watching television, and my brain is fine—and I learned plenty about finance. The post The Financial Lessons I’ve Learned from Watching My ...
[Long] This might be one of those “Shut up, good problem to have” things, but I honestly don’t have a grip on it. I’ve been retired for 2.5 years and in 6 months, I’ll claim Social Security when I hit...
Tuesday, March 31 - Monday, April 06, 2026 Most Commented score comments title & link 182 128 comments Small adventures on the cheaper side 377 79 comments I've Been Retired For Three Years. It's Time...
A proposed federal rule aims to clear the way for retirement savings plans to include alternative assets. But it may not be enough to protect employers from lawsuits.
Holding too much company stock can be disastrous — as Silicon Valley Bank and Kodak employees learned the hard way. The key is to diversify as soon as you can.
Having an account that supports ACH to another person's account makes it easy to transfer a larger amount than using Venmo or Zelle. Learn the Nuts and Bolts I put everything I use to manage my money ...
On the scale of active to passive real estate investing, turnkey properties are in the middle. They could be a great spot for your portfolio. The post Why You Should Consider Turnkey Rentals appeared ...
My family was in Florida on spring break this past week. One day I was walking to get something from ... Read more
We inherit many traits from our parents, but these retirement mistakes don’t have to be among them. Gen Xers and Millennials can thrive in retirement.
Oil and gas investments can play a lasting role in a diversified portfolio, but be sure to consider how they fit into your broader strategy and estate plan.
I've this idea that retirees are settling for a less comfortable retirement because they are funding various aspects of their children's and grandchildren's lives and activities. Should not one's adul...
When I claim SS my wife and I suddenly have another $5700 monthly coming in (mine+spousal). That WELL exceeds what we need to live on - even with a generous vacation budget. I'm thinking that at that ...
It's already been almost 2 years since I retired and I still sometimes wake up in a panic that I'm late for work, or I didn't finish some project or something. I retired as my kids were starting colle...
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you. The post How to Pay Taxes in Retirement and Avoid IRS Pena...
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money. The post 5 High-Impact Retirement Planning Strategies Most Peo...
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied. The post ChatGPT for Retirement Planning: Does It Work? appeared firs...
Answering listener questions about how they can make smarter use of Roth accounts and tax-efficient retirement strategies and how they can think about reducing future RMDs. The post Roth Conversions f...
Both 70. Sold Del Mar home. Bought La Jolla condo. Needed kitchen and both bathrooms updated before we could move in. Timeline was brutal. Had to be out of rental by end of April. Only had 10 weeks fo...
We are retired and want to spend $250,000 a year, but once Medicare and Social Security start, we'll need less. Are we nuts?
Instead of seeing retirement planning as a game of optimizing returns, try to view it as building a plan that keeps your family steady when life punches first.
Looking for a great retirement destination? Oregon has no sales tax, no state tax on your Social Security, highly rated health care and a temperate climate.
I just turned 65 so I will not have to start taking RMDs until I'm 75. Since IRMAA is based on income from 2 years prior, that means I won't get hit with IRMAA until I'm 77 (2 years after my RMDs star...
As someone who's been writing about FIRE (Financial Independence Retire Early) since 2009 and actually leaving full-time work for good in 2012, it's been quite an interesting ride. For the most part, ...
The hardships in medicine are many, and they contribute to an environment that can seem hostile to our jobs. Was there a better option? The post The Career You Should Pursue appeared first on The Whit...
If you're asking, 'Am I really on the right financial track?', it's time for a deep-dive review of your finances to ensure all the pieces are working together.
The precipitating event was that I had all these contacts tied to my old work Outlook account on my iPhone that weren't editable. So I went through and deleted almost all of them. Just over 600 names....
In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. T...