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Two national surveys show what separates retirement confidence from a lack of it, and the planning that makes a difference. The post How to Retire With Confidence: What the Data Shows appeared first o...
We asked Times readers to share their best advice for a safe, satisfying and financially comfortable life — no matter how old you are or how long you live.
One of the key ways to FIRE is to save and invest aggressively. You've forecasted your misery, therefore, you know that by the time your misery becomes a reality, you'll have invested enough money to ...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
The government ratings for nursing homes are volatile and have significant shortcomings, according to a recent study.
Lifestyle creep can quietly influence long‑term financial security. Here's how to check in on your spending and realign with your goals.
Several decades of retirement isn’t easy to pay for.
Physicians have gotten better about entering retirement with serious financial muscle. Yet many still struggle with peace about actually spending ... Read more
From the cost of long-term care to outliving your savings, aging is full of risks that are almost too scary to contemplate. Here's how to face them fearlessly.
Wealth transfer isn't about dramatically revealing the size of an inheritance. It's about communicating your story and preparing heirs to uphold shared values.
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you. The post How to Pay Taxes in Retirement and Avoid IRS Pena...
Instead of seeing retirement planning as a game of optimizing returns, try to view it as building a plan that keeps your family steady when life punches first.
Too much free time in retirement can come as a shock after decades of working. How can you ensure you don't overfill your days or let too many drift by?
In a previous post, I debated whether it’s better to buy a home with a bigger lot or an amazing view. One key point was that unlike increasing livable square footage, it’s nearly impossible to create ...
We are looking to downsize from a 4500sf home. Naturally, that will mean giving up space, but we’re having a hard time prioritizing. Every room in our current home is spacious and we have lots of stor...
Answering listener questions about whether it makes sense to sell a legacy investment for a lower-cost option and how to think through that tax tradeoff, how to choose tax lots in a taxable account, a...
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.
Dream of a fabulous retirement? How to actually build a $10 million 401(k) from a top wealth manager all while saving taxes and building finanical freedom.
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...
While a move can protect your legacy, many retirees stumble at the finish line by ignoring the strict state residency tests used to challenge their new status.
When you create a trust, you select the state law that will govern it.
Using age to determine your stock-bond mix is the default for retirement investing. But now retirement can last 30 years or more, it's time to rethink the rules.
An interview with podcast/author David Stein, where we talk about how experiencing burnout changed the way he thinks about work, money, and investing, and why many high-income professionals struggle w...
Due to the U.S. and Israel's bombing of Iran, oil prices temporarily shot up to $120 per barrel (WTI crude). If the Strait of Hormuz gets completely shut down, perhaps oil prices might go to $150+ a b...
From the widow's penalty to higher health costs, women will encounter a host of money worries over the course of a lifetime. You need a robust financial plan.
Hospital visits are stressful enough. A little preparation can bring you and your family peace of mind.
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.
This retirement planning approach simplifies your decisions, improves your tax efficiency and provides you with peace of mind. This is how it works.
Standard homeowners insurance coverage often isn't enough. To be fully protected, homeowners need to consider natural disaster protection. The post Natural Disaster Preparedness — How to Ensure Your H...
Roger Whitney shifts from financial planning to the non-financial pillar of relationships, sharing a live conversation with Harry Reis about how to feel more loved and connected in retirement. Togethe...
The paychecks may stop, but the income shouldn't. Master the art of the "income machine" to fund your dream retirement.
For Gen X, delaying retirement can be an opportunity to pilot-test your second act, plan for your inheritance and structure trusts for your kids.
Separating facts from fiction is an important first step toward building a retirement plan that's grounded in reality and not based on incorrect assumptions.
Legacy planning integrates your values and stories with legal and tax strategies to ensure your influence benefits loved ones and good causes after you're gone.
Test your knowledge of Social Security delayed retirement credits with our quick quiz.
In the run-up to retirement, your asset allocation needs to match your risk tolerance without eliminating potential for growth. Here's how to find the right mix.
Here are some appropriate times to use debt to your advantage in your financial life. The trick is to know when the risks are too great. The post How to Leverage Debt — The Best Ways to Use Debt to Yo...
All that cash you have in tax-deferred accounts could launch you into a higher tax bracket when you start withdrawals. It's time to protect your income.
I have an HSA that , when I was, working, I could control the amount of cash (as opposed to investments) during direct deposit in it by choosing certain amount of max cash. Now that I am retired and n...
You know diet and exercise can help you live a long life. Have you also developed the social, emotional and financial habits you need to thrive? The post How to Live a Long Life: 15 Habits of Happy an...
Need advice on how to get into medical school from somebody who once sat on a medical school admissions selection committee? Keep reading. The post How to Get into Medical School appeared first on The...
Whether you’re months away from your 65th birthday or you're planning to work past retirement age, this guide will walk you through the exact steps to secure your coverage, avoid costly mistakes and e...
Strategic saving and investing of HSA funds during your working years can unlock the full potential of these accounts to cover healthcare costs and more in retirement.
The silence after a big sale can be disorienting. It's essential to redefine your identity and focus on your purpose before rushing into the next big thing.
Taxpayers can strategically use these temporary tax opportunities in particular to lock in long-term tax savings. Here's how.
We have some fun news to share at the end of this article, so keep reading to the end find out! Over the holiday break, I was helping a family member do some end-of-year tax planning (I know, we’re TH...
![How to Improve Your Finances in 2026 [12-Step Financial
Checklist]](/postImages/postImage17780.jpeg)
To improve your finances in 2026, assess your full financial picture, set achievable goals, automate savings, rebuild your emergency fund, increase your 401(k) contributions, and rebalance your 401(k)...
According to the Goldman Sachs Retirement Survey & Insights Report 2025, many Americans are struggling to save as basic expenses rise faster than wages. Here’s what the data means for your 401(k) and ...
You saved diligently for decades — so why does giving yourself permission to spend still feel so hard? In this episode, we discuss: Why many retirees underspend despite having a secure financial plan ...
If retirement is supposed to bring freedom, why do so many people still feel unsettled, and what's behind that tension? In this episode, we discuss: Why fear persists even with a strong financial plan...