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Your savings may have to go through probate if you don't name a beneficiary. Here's how to make it easier for your heirs to access the money.
Lawmakers are floating several ideas about how to shore up Social Security. One involves changing the annual cost-of-living adjustment.
Receiving an inheritance can change your financial picture overnight. Before you spend or invest it, here's how to decide where the money should go.
Yes, RAP can potentially save you tens of thousands of dollars in student loan interest while you're in medical school. Here's what to know. The post How to Use RAP to Freeze Your Interest While in Me...
Outdated beneficiary designations can disrupt your estate plan. Learn which accounts to review, when to update beneficiaries and why it matters.
Long-term care costs can reduce the inheritance you leave your children. Learn how to prepare for care while protecting your retirement and estate plans.
Being named the trustee of an estate is a profound honor — and a major responsibility. From securing assets to navigating family dynamics, here is how to do a good job.
How is your Social Security benefit actually calculated? In this episode, Roger explains how you qualify for retirement benefits, how your earnings history determines your benefit, and why the age you...
The Great Wealth Transfer starts with a conversation. Here's how to prepare heirs, reduce future conflict and create a lasting legacy.
Asset protection is more important now than ever. These seven layers of protection can protect your wealth from potential creditors long before claims arise.
Shifting away from stocks reduces risk, but as this week's Wealth Wise column explains, you still need to beat inflation. Here's how to balance safety and peace of mind.
After decades of saving, many affluent retirees find spending harder than accumulating wealth. Here is why money habits are so hard to break — and how to finally enjoy your savings.
Here's all you need to know to fill out IRS Form 8283 for your Donor Advised Fund (DAF). It's not as hard as you might think. The post How to Report Non-Cash Charitable Contributions for Your DAF (IRS...
You can help your kids without hurting yourself.
You may own hundreds of stocks, but that doesn't necessarily mean you're diversified. Discover where concentration risk is really hiding and what you can do about it. In this episode, you'll learn: Wh...
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...
How to sort your holdings into 8 asset classes, spot concentration risk, check against your risk profile, and catch drift or cash drag early. The post See Your Total Asset Allocation Across All Accoun...
An interview with emergency physician, author, and executive coach Rob Orman, where we talk about physician burnout, better ways to navigate conflict, and why simply pushing through is not always the ...
In addition to saving and investing, financial literacy should teach us how to manage 401(k) cash-outs and rollovers so we can protect our wealth.
Under-saving is a math problem you can still fix. Over-saving can cost years you won’t get back. Here’s how to tell which one you’re doing. The post Are You Saving Too Much for Retirement? appeared fi...
You’re never too old for campus life. Here are 5 colleges that actually want 50-plus students in class.
Tuesday, August 18 - Monday, August 24, 2026 Most Commented score comments title & link 336 221 comments How to dump stuff and downsize 33 48 comments Foreign travel- no bucket list, desires fluctuate...
Social Security may still be part of the retirement picture for younger workers, but it shouldn't be the cornerstone of your strategy. How to adapt.
Your finances may be ready to enter your second act, but retirement coach Joe Casey explains why the bigger question is whether you've prepared for the life, relationships, health, learning, and fun t...
Leaving a high-powered career brings freedom, but also an identity crisis. Four leaders share how to build a meaningful post-work chapter.
3 Retirement Decisions Nobody Prepares You For Retirement can change how you approach life insurance, mortgages, income, and investments. Jeremy Keil answers three financial questions retirees may not...
Life satisfaction often rebounds after midlife, staying relatively high in your 60s and early 70s. Here’s how to prepare for a fulfilling retirement. The post Life After Retirement: Why Many People Fe...
"Save more than you spend" sounds like a timeless piece of money advice, as true today as it was two hundred years ago. But in the mid-1800s, many folks believed you needed to spend your money as soon...
Turning 45? Retirees reveal the biggest investing, saving, and spending mistakes they made during their peak earning years—and how to fix them today.
In this summer replay, Roger talks with Dr. Daniel Crosby about learning what to ignore in an age of information overload. They explore how to filter financial advice, align decisions with your values...
Financial expert Farnoosh Torabi breaks down the costly retirement mistake most retirees ignore and how to fix it before it hurts your savings.
How to Claim Class Action Settlement Money (2026 Step-by-Step Guide)
You don't need to cut the cable to retire comfortably. In this week's Wealth Wise advice column, advisers tell a couple with $300K saved how to catch up.
Present value is the organizing principle of the Actuarial Approach recommended on this website. Retirement sustainability ultimately depends on a single question: Can the present value of your assets...
How much life insurance you you really need? Relying upon an insurance agent's word or an oversimplified "rule of thumb" can lead you to buy either too little life insurance---or too much! Here's how ...
The 401(k) can be a great savings vehicle, or a financial black hole where investors lose huge chunks of their hard-earned money to hidden fees and missed opportunities for investment growth. The diff...
Do you know all the ways your financial adviser profits from your account? What's the difference between a broker and a financial adviser? If you can't answer both of these questions with confidence y...
What issues will your family confront after your death, and how will it shape their opinion of your life? Discover the dire consequences of not setting up a proper estate plan so you can take the simp...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/9fc86c ======================= Your portfoli...
"Wait until 70" is good advice on maximizing Social Security for a single person, but married couples need a different number. Do you know how to do the math?
How does your IRA compare? Discover the average and median Traditional and Roth IRA balances by age in 2026, 2026 contribution limits, and key catch-up strategies.
Rather than claiming Social Security based on when you need the money, view your timing as a tax-planning tool that can help you lower your lifetime tax bill.
I’m of the mind that downsizing is more about liberation from stuff than it is about square footage in the home. My wife and I found that it was much harder to do this item by item and much easier to ...
Six ways "free" retirement accounts can cost you without showing it — and how to keep more of your money.
Specific, research-backed ways to help you deal with financial stress and money worries. Start building real confidence today. The post How to Deal With Financial Stress: 10 Ways to Worry Less About M...
Moving to Europe from the U.S. can get more complicated the wealthier you are. Find out what it really takes for a successful move — and how to plan for it.
Maxing out a traditional 401(k) without cash reserves triggers tax spikes and market losses. Here's where and how to save cash for easy retirement withdrawals.
Intentional lifetime giving creates far greater impact than lump‑sum inheritances by reducing stress, building responsibility, and passing down values along with wealth.
As I get closer to retirement, I'm trying to figure out the best way to budget for major home expenses. Things like a roof, A/C unit, water heater, or appliance replacement may not happen for years, b...
I just got an email from AARP. Contained in the email was an article relating to where to live in retirement. The jist of the article was how to escape the dome of heat that has affected several state...