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I will go first. I have been with the same company for 25 years. I have seen many people come and go. One thing that stand out to me in my place of work is once you hit a certain age a target gets sl...
Building on its budgeting and benefits capabilities, the expanded AI platform now offers advice on tackling consumer debt and committing more to retirement savings
A National Institute on Retirement Security survey finds debt is keeping most Americans from saving, and few know what their money will earn. The post 77% of Americans Say Debt Is Blocking Their Retir...
Many people assume that only major decisions move the needle on wealth. However, lifestyle creep can sabotage savings goals without you noticing. Each time you choose to upgrade your car, expand your ...
I'm 63 and started collecting Social Security this year. I had a heart attack last year that did some permanent damage. I still work 2 days a week in HVAC. And pretty much light duty. I have a IRA wit...
Almost everyone struggles with debt at some point. In my early 20s, I learned some hard lessons about credit card debt. In my early 30s, I paid back graduate student loans that soaked up a huge share ...
Laura Stover, RFC® is joined by guest co-host Darlene Tucker, CFP® today. This week's weekend brief comes from Forbes: "5 Predictions For An Economic 'Soft Landing' That Were Totally Wrong." With a lo...
Laura Stover, RFC® and Michael Wallin, CFP® discuss the Baby Boomer Dilemma documentary and its implications for pre-retirees and retirees. The film talks about many topics we routinely cover on the s...
In this episode, Laura Stover, RFC® and Michael Wallin, CFP®, discuss the concept of a cookie-cutter retirement portfolio and its implications for retirees. They start by addressing the recent news of...
We know there's always another market crash in the future, but should we be worried that it's happening soon? An economist named Henrik Zeberg thinks so. He expects a massive blow-off top for equities...
Being flexible with spending absolutely matters in financial planning and it often gets overlooked when people step into retirement. Most people look at their budget and the assets that they've accumu...
I am a 60 year old single man hoping to retire in about 7 years. I make less than 60k/year. I was completely broke at 45 and I saved hard to get to a paid off condo (@60k value) and about 200k in my 4...
Millions of parents are cutting retirement savings to cover rising student debt. Discover three strategies to protect your future.
Im 63F with a great job, making good money with a great work retirement savings plan. Spouse is already retired for 6 years. We have enough money between the 2 of us to be fine if I retire now. The is...
Every debt payoff plan runs into the same fork: pay off debt or save for retirement first? It shows up late at night after a strong month, when there’s finally money to spare and no clear answer for w...
Housing is one of the biggest line items on just about any retirement budget. Whether you're still paying a mortgage, looking to escalate your payment schedule so you can retire debt-free, or thinking...
Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you...
Conventional rules don't count savings, lack of debt or credit score as much as a monthly income. But there are alternative routes you can take.
I'd love some thoughts on my situation. I just turned 69, widowed since 52. Have always worked full time and still do, always for small companies so no retirement plans. Husband passed 15 years ago. I...
High fuel prices and the cost of living have made vacations much more expensive. Will going away this year put you in debt or affect your long-term goals?
Here's the info a physician needs to manage student loan debt, including private and federal loans, PSLF, RAP, IBR, and how to pay them off. The post Student Loans 101: Ultimate Guide to Student Loans...
Like the title says, wondering others thoughts are on the benefits keep life insurance after one is retired. We have no debt, all bills are paid off, including the funeral arrangements. I have an exce...
Retirement readiness is more about data than feelings. Focus on the hard numbers — your savings, income and debt — to determine whether you're truly prepared.
I love investing in private real estate debt funds. But lately, figuring out which accounts to put those funds into has been a struggle. The post Issues with Private Real Estate Debt (Credit) Funds in...
Are you feeling a little more anxious than usual about your money? Given everything that's happening in the world right now, that's perfectly understandable. What concerns me is the rising number of A...
About 9 months ago I decided that July 1st would be MY independence day. Technically it is July 3rd, but that is a holiday and I managed one last PTO day on the 2nd! I've been planning for many years,...
I am 63 and married for 30 years - husband is 67 and retired from corporate 2+ years ago. We are financially sound - our FA says we are in great shape with nothing to worry about and that I can retire...
Most people spend decades preparing financially for retirement. They contribute to retirement accounts, pay down debt, evaluate Social Security strategies, and work with advisors to make sure their sa...
Women investors often trade less and earn better returns. But lower pay, debt, caregiving and household power still keep women from owning enough stock.
Any thoughts or advice would be appreciated. I'm 59½ years old. I've worked and saved for decades and am fortunate to be in a very strong financial position. My total portfolio is about $2.6 million, ...
The 2026 Social Security Trustees Report moves a 22% benefit cut to 2032. The fix is an old idea: tax investment income to retire the program’s legacy debt.
I planned to retire 3/30/2027. Today, I was told I am going to be laid off. However because I've been a great performer for so many years, I can choose whether I get laid off October 2026 or Feb 2027....
I've been lurking here for some time now. I'll be 68 in just a few months and for the past few years have gone on YouTube and some of the other retirement subreddits to figure out if my money would la...
Paying off your mortgage before retirement sounds responsible. Sometimes it is. Sometimes it quietly costs you the best years of your life. In this episode, James walks through the story of a client w...
McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion "lag" and whe...
The conventional picture of American retirement has been giving way to something messier for years.
In spite of two divorces, two bankruptcies, and one short sale, I have been able to somehow amass about $500,000. I am going to retire at the end of this year at 66. I already started taking SS, and h...
We're 73, with $2.1 million and $4k a month in Social Security. My husband says we can't afford to help our grandson. Who's right?
This is going to be a bit long. We are planning on getting LTC insurance, my wifes dad used his benefit and we have no kids. I am just not sure how to think about it. I conceptualize 3 different reaso...
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 ...
Concerns over debt, Social Security and Medicare are fueling a decline in confidence about retirement.
Tuesday, April 07 - Monday, April 13, 2026 Most Commented score comments title & link 19 25 comments Retired folks: Best time of year to save money on home improvement projects? Top Comments score com...
Whether you think debt is a good tool for your future or if you're appalled by it, there's plenty of nuance about the idea of being in debt. The post A Rant About Nuance in Debt Management (Stupid Deb...
I have been toying/hoping to retire in March 2027. My goal has been on my 30th anniversary at my current job. I do have a pension that I could have been taking but I was thinking about it like Social ...
Your tax refund can be more than extra spending money. Using it strategically – such as boosting retirement savings, paying down debt, or building an emergency fund – may strengthen your long-term fin...
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...
Investors are concerned about the health of the industry, which ballooned over the past decade.
A 401(k) student loan match allows employers to make retirement contributions based on your qualified student loan payments instead of requiring direct 401(k) contributions. This SECURE 2.0 provision ...
When my CEO said my job might be on the line, I changed how I was living. Here's the story of our journey from huge debt to a huge life. The post From $1.1 Million in Debt to an 8-Figure Net Worth: A ...
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...