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A new study released by the Nationwide Retirement Institute reveals that for many Gen Xers retirement has arrived faster than expected. The big picture: Despite being close to their retirement years, ...
Manulife John Hancock Retirement published its Financial Resilience and Longevity Report that offers insights into retirement preparedness to help individuals across generations approach their retirem...
The Transamerica Center for Retirement Studies published a report that examines the health and well-being, retirement preparedness and other life priorities of the American middle-class. By the number...
I’m in a cash crunch, and it doesn’t feel good. After buying my house in 2023 and living paycheck to paycheck for six months, I promised myself I would never return to this state. Yet here I am. Part ...
With 2025 coming to an end, it’s time for my annual tradition of gathering my favorite investment writing of the year. I started this tradition in 2017, and have continued it ever since (2018, 2019, 2...
With nearly 20% of people age 65 and older facing Medicaid cuts, limited access to long-term care coverage and predictions of a major market correction, this population needs help not from the governm...
When it comes to money - especially real estate investing - it’s important to use your head, not your heart. The post My Keys to Real Estate Investing… and Where I’m Buying Next appeared first on Weal...
Yes the Christmas chatter has begun: "Do you have your tree up?" "Are you sending Christmas cards this year?" "Have you bought and wrapped your presents?" On my part the answer to all of those has bee...
We're heading towards the end of another year but why is it that once again I never managed to get all my borders dug over and bulbs planted before the gardening season came to an abrupt end? Forever ...
As the year ends, it’s the perfect time to take stock of your estate and care documents. Life changes, laws evolve, and priorities shift, making it essential to ensure your plans are still in line wit...
Ideally, you want to find a home with both a big lot and amazing views. These are the two special features that most buyers covet the most, which create bidding wars and higher re-sale prices. However...
Conventional wisdom says we’re in a housing affordability crisis. With higher mortgage rates and higher home prices, buying a home has supposedly never been more expensive. But what if I told you this...
We feature two deep-dive research papers on private credit. One is from Victoria Ivashina of Harvard Business School and the other from a team that includes Amir Sufi, co-author of "House of Debt" (U....
I have just returned from another enjoyable but exhausting trip to London to see our granddaughters. On this occasion, rather than driving, Mister E and I took the train and the journey proved to be t...
I can't stand AI-assisted writing anymore. It's all over Substack. It's in my LinkedIn replies. It's everywhere. Like a disease slowly infecting our literary consciousness. I even see it from people w...
When someone dies, families expect to feel grief. What they rarely expect is the number of decisions, forms, accounts, and urgent conversations with banks and institutions that suddenly land in their ...
Get insights for the best way to use your money. What are the pros and cons of paying off mortgage vs. investing? The post Should You Pay Off Mortgage or Invest? appeared first on Boldin.
Have financial holes in your retirement plan (like not enough savings or unknown risks)? See if you should use home equity to fill them. The post 5 Ways to Tap Home Equity in Retirement and 7 Times Wh...
Imagine it's 2004 and I explain to you what a mortgage-backed security (MBS) is. I show you how they work and how banks are using them to sell groups of mortgages to investors. Even with this knowledg...
Most families are not prepared for the moment when someone must step in and take over another person’s financial life. Whether it happens suddenly or gradually, it happens far more often than people r...
Ever since we had a kid, my friends and family were like “well, I guess you’re going to have buy a house now!” After all, they reasoned, we couldn’t possibly raise a kid in a one-bedroom apartment, ri...
People knock real estate for being slow and tedious. I get it. It’s not nearly as exciting as chasing big tech or the latest AI winner. But slow and steady might be exactly what the doctor order...
Explore why de-cluttering is the ultimate retirement and estate planning task. 7 compelling reasons to clean out your closets this year. Read now... The post The Gentle Art of Swedish Death Cleaning: ...
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...
When I wrote about our trip to Portugal, I did say we were searching for inspiration for a recovery trip. On a whim and with a definite need to experience a little more European sunshine before winter...
Housing is one of life’s fundamental needs, right up there with food, water, and safety. For decades, though, housing affordability has become increasingly out of reach for the average American....
In this episode of Retirement Reality, Darren shares what it’s really like to walk away from work at 54 and why it still feels surreal. After decades of saving, hitting his number, and paying of...
A 50-year mortgage is a re-timing device: it improves near-term liquidity but increases lifetime interest, slows equity, and extends leverage later into the life cycle....
With 17 team members serving 125 ultra-wealthy families, the Continuum Group blends institutional experience, in-house portfolio management and family-office service....
Explore some of the issues around the family home and how it works as an inheritance. The post The Pros and Cons of Inheriting a House: Understanding How to Make Good Plans for Your Heirs appeared fir...
I (M74) am really having a difficult time trying to decide how and who to handle our assets after my death. I have done most of our investing and financial management in the past. The majority is in b...
Here are 10 methods to help your child with their housing costs, along with the pros and cons of each and a ranking of all the options. The post How to Help Your Child Buy a Home appeared first on The...
Life insurance trusts, particularly irrevocable life insurance trusts (ILITs), can minimize estate taxes and protect your heir's inheritance....
We asked financial experts for advice....
What if downsizing your home could actuallyupgradeyour lifestyle in retirement? In this episode, Tyson Thacker sits down with real estate professionals Jodi Rosko and Heather Fisher, co-hosts ofThe Do...
A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, a...
A lot of people have strong opinions about paying off a mortgage early. Some argue it’s always the smartest move, others insist you should keep the loan and invest instead. The noise gets loud, ...
Sentimental items might have little monetary value, but their disposition can cause hurt feelings. Talking about who wants what and labeling items can help....
When illness or death occurs within an unmarried same-sex partnership, family members can step in and push the surviving partner out. An estate plan is vital....
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...
My wife and I (both retired, not working jobs) are strongly considering San Diego CA as our final living destination. Austin TX is just getting too hot, and it will only get worse. 8 months of summer,...
David asks for a general idea of what estate planning services typically cost, following up on the six-part podcast series. Although this show does not provide specific tax, legal, or financial advice...
Housing security is something I hope everyone will one day obtain. Once you are house secure, you can more easily focus on your career, family formation, and other things you care about. However, if y...
I recently spoke with a couple who wants to sell their home. Their realtor told them the market was a little soft but added that interest rates were likely to come down this year. The suggestion was t...
I retired about 4 months ago. We downsized to a single story with plans for it to be our forever home about 6 years ago. One bonus was the really large backyard for our urban/suburban area. But I&rsqu...
As a buyer and seller of real estate since 2003, I’ve learned that getting a home inspection before each purchase is one of the most important steps in protecting yourself. You want a profession...
Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn’t match the average. In this episode, James shows why age-based savings benchmarks miss the mar...
Congratulations on getting your estate plan in order. Now, you need to communicate the relevant details to ensure your plan is effectively carried out....
Me? I'm a hunter, but I never shoot anything. I'll go out in the woods in the afternoon and sit and observe. Then, when it gets dark, I walk back to the car and go home or to my camp. Mornings, I go o...
Recently, an executive order has set the stage for 401 (k) providers to potentially start offering investments like private equity, private real estate, digital assets (think bitcoin), commodities, an...