There are several types of retirement accounts that you can use to save for retirement, each with its own set of rules and tax benefits.
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Trump’s proposed retirement accounts add to Social Security rather than divert payroll taxes. This piece explains the additive design and why it matters.
I have enough money in my retirement accounts and 401ks I think for the rest of my life. My question is this should I take the lump sum for the pension or monthly payments. There is no Cola. My inclin...
My IRA balance is constantly variable. It’s not the same today as it was last week, last month, last year. I see rules like the 4% rule and other calculations based on account balance used as a guide ...
Some advocates argue that Trump Accounts could pave the way for private Social Security funds.
A mega backdoor Roth IRA allows high-income earners to potentially move tens of thousands of dollars into a tax-free retirement account. This is how it works.
Trump accounts are additions to Social Security, not privatization. Unions have always demanded a hybrid retirement system. The RSAA creates the universal hybrid.
A win for private equity. A loss for our retirement assets.
Hello. I (59F) have been trying to plan to retire early-ish for years. I would like to very much soon. I have tried to make my plans generally as fitting the circumstance at the time only to have the ...
The Labor Department issued new rules about automatically enrolling workers in retirement accounts.
An early retirement account withdrawal often triggers taxes and penalties.
President Obama will propose new 401(k) and IRA rules in his 2017 budget.
More Americans are taking hardship withdrawals from workplace retirement accounts, prompted by rising costs — and looser rules.
[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...
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...
Tuesday, March 24 - Monday, March 30, 2026 Top Comments score comment 28 /u/Beginning_Lifeguard7 said I retired 6 years ago at 60. I’ve always said there are two birthdays that count 21 so you can dri...
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...
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...
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts,...
You don't need to be the smartest doctor in the room to understand how to get more into your retirement accounts. But I'll explain it anyway. The post How to Get More Money in Your Retirement Accounts...
F67, M72. We get about income of 5500 a month spend about 4,000 a month and have $1500 left over, Next year that we will pay off our last debt and will have another $500 available. We have rebuilt our...
"Carl and Jane" have eight million bucks, and their advisor is suggesting a 130/30 long-short investing strategy. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether this is a smart tax mov...
From opening stealth retirement accounts to strategic charitable giving, there are plenty of ways you can cut your taxes every year, and they're perfectly legit.
Can I (61F) defer taking payments from my retirement account when I retire at 65 and start withdrawing when I hit 70? Hubby (76M) has been retired since 65. He wants me to go out sooner but I just can...
President Trump announces a federal retirement savings plan with a $1,000 match. Will it close the coverage gap?
President Donald Trump unveiled a federal plan offering government-backed retirement accounts with a $1,000 annual match for workers without employer-sponsored plans.
Does offering private capital in 401(k)s represent an exciting new investment opportunity for "the little guy," or an opaque and expensive Wall Street product?
Gary Zimmerman of Max® explains how to utilize your cash asset in retirement. Cash is one of the most overlooked assets in retirement. Here’s how retirees can earn thousands more in interest while kee...
Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you’ve been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in...
My retirement account has always been unmanaged, but I rebalanced regularly. I'm considering changing it to a managed account now. I kinda like the idea of it having eyes on it and making changes. Of ...
Most people have no idea they’re leaving money on the table, especially when it comes to old pensions, forgotten retirement accounts, and benefits from jobs they held years ago.
Americans increasingly use 401(k)s as emergency funds, not retirement savings, exposing flaws in U.S. retirement policy and deepening insecurity.
Do you know where your retirement savings are invested? When I looked into mine, I discovered that parts of it ran counter to U.S. foreign policy priorities.
The worst investments I've ever owned all share one thing in common—I couldn't sell them.Whether we are talking fractional shares of expensive artwork or private investments in friends' companie...
Meera and her husband have $4.5 million in retirement accounts and a $430K income. They want guidance on when to start Roth conversions, how much to convert each year, and whether to continue 401(k) c...
Your money may be better served outside of a retirement account....
Retiring soon. Looking for insights on my ability to retire, and things I haven’t considered — especially from women in similar life circumstances. I have 600K in mixed retirement accounts...
Interesting Social Security Scenario - What’s your take on this? ? or ? A (breadwinner) parent divorced a real deadbeat parent after 14 years of marriage -and (2) kids. Neither ever remarried. T...
Today we answer a question from Sandi about how much umbrella insurance coverage you really need — especially as you approach retirement. We discuss why someone might choose a $2 million policy,...
Dan asks: If monthly income from an IRA exceeds $2,908 for a single person, would that result in disqualification for Medicaid? We break down the income limits, potential strategies to navigate Medica...
In this episode, we address Joe's question about how claiming Social Security benefits early can reduce withdrawals from retirement accounts and potentially lead to greater long-term growth. Joe share...
While alternatives offer diversification and higher potential returns, including them in your workplace retirement plan would require careful consideration....
Tuesday, October 07 - Monday, October 13, 2025 Most Commented score comments title & link 19 34 comments 58 years old and no retirement account. 33 32 comments What have you learned in your 70s an...
Financial tech companies are connecting outside financial advisers to your retirement accounts, and at least one investment firm, Fidelity, is resisting....
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Someone explain it like I’m 5…. My husband had a small 20k ish) retirement account at his employer. He wants to withdraw it and use it for some unexpected expenses. We have the main retir...
Need some advice. For the second time in a year, my FIL (87) has responded to phishing emails and eventually ended up transferring large amounts from his retirement account to places in Asia. First ti...
Standard retirement account beneficiary forms may not be flexible enough to ensure your money passes to family members according to your wishes. Naming a trust as the contingent beneficiary can help a...
Situation: My dad has two brokerage accounts, one managed and one unmanaged. Although he had been meeting with someone on his managed account, should that person alert my dad to any perceived issues w...
Tax-deferred retirement accounts can reduce taxes, protect assets, plan your estate, and boost returns. Ignore them at your peril. The post Tax-Deferred Retirement Accounts: A Gift from the Government...