Discover the Best Insights for Every Stage of Retirement

Have you seen people lose their ability to tolerate inconveniences as they age?

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The Average Gen X 401(k) Balance Kind of Bites

Gen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.

DOL rule could reshape 401(k) access to alternatives

A proposed Labor Department rule could ease the path for alternative investments in 401(k)s, but advisors may face new due diligence and communication challenges.

Yes, you can rent with kids!

From JL: Turns out you can still travel, even with a kid. Who knew? Certainly not their detractors. For years they confidently said, “You can only travel as you do, and be FIRE’d, because you don’t ha...

Some Thoughts on Spending

Photo by Gabriel Meinert The subject of spending seems to be getting a lot of attention of late in and around the financial independence (FI) community. The issue seems to be that those pursuing FI ar...

I Am 55 With a $1.5 Million 401(k). Should I Take a 401(k) Loan to Pay for a Home Improvement Project?

We asked a wealth planner if borrowing from a 401(k) will throw a retirement plan off course. The answer may surprise you.

Don't Let Low Tax Rates Lull You Into the Torpedo Zone: If You Have $1M to $3M in Tax-Deferred Savings, You Could Be Looking at Brutal Tax Bills in the Future

The Social Security provisional income threshold can create a "tax torpedo" for disciplined savers, raising your effective marginal tax rate to 40.7% or more.

Income and Life Expectancy Not Adding Up? An Annuity Could Solve the Equation

Increasing longevity means you could outlive the money you've saved for retirement. Social Security may not bridge the gap, but an income annuity could help.

Switching From Landline To Cellphone Can Create A Medicare Catch-22

New login rules at Medicare.gov can cause problems.

Federal Employee Retirement Guide – Simplified Breakdown for Civil Servants with Brigadier General Michael Meese

Brigadier General Michael Meese details the critical decisions military families must make before retirement. Transitioning into retirement is a major life change for anyone. But for military families...

My conversation on DOAC, the 2nd biggest podcast in the world

Back in December I got on an airplane, something I try hard not to do these days, and flew to New York. The flights, both going and returning, were delayed of course. What would prompt such rash behav...

We Are 63 With $5.7 Million. My Wife Wants to Buy Long-Term Care Insurance, but I Want to Self-Insure. Who Is Right?

Even with our solid nest egg, it's not clear if we should self-insure or buy long-term care insurance.

When Paying for Financial Advice, Think Like Warren Buffett: Price Is What You Pay. Value Is What You Get

What you pay for financial advice is secondary to the true value you receive, which is why the structure of your financial professional's compensation matters.

Your Retirement Needs a Sketchbook, Not Just a Spreadsheet: This Book Focuses on Your Life Goals Rather Than the Math

"Your Retirement Sketchbook" focuses on the hardest part of retirement planning — figuring out what your retirement life will look like.

The IRMAA Income Trap Quiz: What Really Counts?

From municipal bonds to Roth conversions — take our quiz to find out if you know which income streams push you into higher Medicare brackets.

Rich, Rich-ish, and the $650,000 Between Them

“The 1%” sounds like an abstraction. It’s something economists argue about on cable news. But if you’re a physician, you ... Read more

Why Turning 60 is a Good Time to Start a New Career (It’s Not Just About the Money)

Why going back to work after 60 is as much mental as it is practical, and often exactly what you need most.

Living Expense After Retirement

Once you pay all your monthly bills, how much money do you need, to be comfortable till the end of the month. This doesn't include cost of a vacation or special occasion. And what has been your bigges...

When Life Gives You Lemons, Don't Rush to Make Lemonade — or Financial Decisions

Women who gain financial autonomy in later life may be pressured to make quick decisions. Instead, take the time to grow a fruitful new relationship with money.

The Best Savings Accounts for Retirees to Maximize Your Cash

For retirees seeking less risky savings options, here are a few recommendations based on your preferences.

The Two-Lifetime Challenge: How to Fund Your Retirement and Theirs

When you have a child with a disability, your money has to last twice as long. Here is the blueprint for a century of financial security.

Like Baking a Cake, Plan Your Retirement With Core Ingredients, But Personalize the Frosting

When it comes to retirement (and cake), people have their own preferences. Instead of trying to fit into a predetermined box, consider a personalized approach.

How Physicians End Up Overpaying the IRS (And What to Do About It)

Doctors spend a decade in training to earn a high income…only to turn around and spend the next three decades ... Read more

What Happens to Your 401(k) When You Die?

When you die, your 401(k) only passes to the named beneficiary. Spouses can roll the account into their own IRA, but most non-spouse beneficiaries must withdraw the funds within 10 years, which can tr...

Why Your Medicare Premiums Are $200 Higher Than They Should Be

Here's how overpayments to Medicare Advantage plans are driving up Part B costs for every Medicare beneficiary.

Retirement’s Biggest Blind Spot Isn’t The Market. It’s Time.

Outliving your money is the real risk. Learn how longevity can quietly derail even the most well planned retirement strategy.

What are we doing with old photographs?

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I'm Treating My Kids and Grandkids to a Greek Cruise, But My Son Can't Go. Do I Owe Him a Check to Keep Things Fair?

I'm disappointed my son can't go to Greece with us, but we can't reschedule. I want him to feel we are treating him fairly.

Is There an Ideal Age for Your Children to Inherit? A Retirement Planner Weighs In

As many people live longer, inheritances have shifted from life-changing events to late-in-life supplements. The timing of an inheritance is crucial.

Are You Getting Vague Advice About Roth Conversions?

If your adviser isn't crunching all the numbers and showing you a complete picture (in writing), then you might need to find one who will.

Using RMD’s for bucket list cruises and travel - is this something folks do?

Hi everyone! My husband and I were having a fun conversation about what to do with our RMD dollars when they start coming in (we are 5 years out so it’s just a fun question, not advice). We both love ...

They’re Coming For Your Social Security

What will you have: benefit cuts or tax hikes? Maybe a little of each. Here is what six potential solutions to the system’s bankruptcy would do to you.

The Retirement Risk No One Likes to Talk About: You, Still Here

Living longer is the biggest retirement risk for most investors. If your retirement plan doesn't extend to your mid-90s and beyond, this is what you need to do.

Is Your IRA Rollover Stuck in Neutral? This Simple Mistake Can Cost You a Lot of Money

Rollover IRAs can end up stuck in cash, while abandoned 401(k)s can be parked in a cash-like Safe Harbor IRA. Here's how to put your money back to work.

The Best Luxury Food and Wine Tours in 2026

With foodcations and other culinary trips on the rise, we recommend some of the country’s most elite gastronomic events and tours for epicurean retirees.