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My daughter has a significant disability but has been self-supporting and living independently for 15 years. She has suffered some setbacks in this economy. I also feel that she makes what I think are...
Most people think deciding when to take Social Security is a math problem. Run the numbers. Find the breakeven age. Pick 62, 67, or 70. Done. But that approach misses the point. This is not a math dec...
Tuesday, April 21 - Monday, April 27, 2026 Top Comments score comment 36 /u/Familiar_Kale_7357 said Multi generational living is back in America, and I don't really see a problem. 36 /u/davejdesign sa...
My husband and I are both 64 years old. My husband is disabled. We are currently living near my children and grandchildren, but we’ve realized it’s too expensive to live in our current state. I retire...
The decision to move to a different state should balance financial issues with the lifestyle you want, rather than simply choosing a low-income-tax state.
With Americans living ever longer lives, the age-old worry of outliving savings has become more pronounced.
Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there’s a real possibility you c...
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...
We were so close to moving to our dream neighborhood in our dream city. But it turns out that not living in the "cool city" isn't a bad idea. The post The Financial Benefits of Avoiding the ‘Cool Plac...
Lifestyle creep can quietly influence long‑term financial security. Here's how to check in on your spending and realign with your goals.
Men are living longer, so women are less likely to become widows.
Many doctors assume that once they move overseas, US taxes become simpler. In reality, living abroad can make your tax life way more complex. The post The Expat Doctor’s Common Pitfalls: Why Living Ab...
We are Gen Jones and are retired nearly 2 years now. Like many parents of our generation, we have an adult Millennial child still living at home. He has a skilled career and makes good money, but it w...
Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocati...
Bladder cancer survivors and a therapist share the realities of living with a stoma and how relatives can support loved ones as they rebuild their identity.
Context: USA couple. We plan to retire at around 60 years old, with no employer paid health care after that date. But, having been employed in tech, I've been a reasonably high earner in a low cost of...
Americans have enjoyed lifestyles that would normally be out of reach to them by working remotely in countries with lower living costs.
Avoid rising IRMAA surcharges and discover how volunteering and part-time work keep more of your Social Security benefits tax-free.
I am retiring at 60, and I’m starting to feel like I’ve fulfilled my purpose. I’ve raised two kids who are great people. They are on their own, living their life, and headed down paths that should mak...
We are 68 and retired with $6.8 million. I just want to help our adult kids pay for daycare and camp for our grandchildren. Should I stop?
[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...
When I claim SS my wife and I suddenly have another $5700 monthly coming in (mine+spousal). That WELL exceeds what we need to live on - even with a generous vacation budget. I'm thinking that at that ...
I know some retirees end up spending a fair amount of well-earned money at the start of retirement, living Big Adventure dreams. A month in Greece and Turkey. Buying an RV and spending a year or two o...
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...
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...
From navigating the 'Landslide' of change to embracing her own mystical path, the rock legend offers a masterclass in living life on your own terms.
Once you pay all your monthly bills, how much money do you need, to be comfortable till the end of the month. This doesn't include cost of a vacation or special occasion. And what has been your bigges...
Living longer is the biggest retirement risk for most investors. If your retirement plan doesn't extend to your mid-90s and beyond, this is what you need to do.
Choosing the best way to withdraw retirement funds depends on which paycheck system aligns with your lifestyle, tax plan and shifts in spending as you age.
After a colourful career in high-tech/telecoms, I realized it was time to retire when I was suddenly reporting to a 22 year old who knew less about technology than the cashier at a dollar store, place...
An annuity is basically you telling your money: “Stop wandering around and pay me like rent every month.” And your money says, “Okay, fine,” and does it. ? The Three Types (Explained Like Family Membe...
Want to retire in a beach town in the U.S. or abroad? Get to know these lifestyle and financial factors first.
The Prince of Darkness not only knew how to rock out, but he also imparted a great deal of wisdom on living in the moment and finding serenity that can guide retirees during their greatest set.
Explore 10 things to think about – lifestyle and financial factors – when considering the best state for retirement. The post Where Should You Retire? A 9-Factor Framework to Get It Right appeared fir...
? Show Notes Wade Pfau, author of The Retirement Planning Guidebook and creator of the Retirement Income Style Awareness (RISA®) assessment joins Roger for a wide-ranging conversation on the big quest...
Hello. I was feeling pretty low 3 weeks ago, after my job of almost 26 years ended on January 30. What has helped me so far: Daily exercise. Walking 5 days a week, and dumbbells for upper body 2 days ...
The real risk in retirement is failing to plan for the "descent" — the psychological and lifestyle changes that occur after you reach your financial goals.
62 year old Canadian here. I'm currently in a situation where I am living on 1/2 my take-home pay so am slamming every other cent into savings. Theoretically in about a 1 1/2 years I should be able to...
currently navigating elderly parent assisted living, hospital after fall, skilled nursing care - they have sufficient resources but the costs are insane once you get past Medicare coverage - even at s...
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...
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 ...
My life is changing fast and I’m having a hard time keeping up. Just a short recap: My mother passed away late August 2025. In November, I drove across the country to have a funeral service (it was at...
Retirement is not just about money and savings, but instead is about living a life of purpose. Make sure you set your goals for what will bring you fulfillment and joy.
In this episode, James walks through four of the most common income strategies retirees consider today and why many people are still using outdated math for a 2026 retirement. The question is not just...
As women are living longer than men—on average, 5 to 7 years more—the later decades of life promise opportunities to cherish freedom and fulfillment. Yet, as this International Women's Day episode of ...
I only recently found out that financial coaches exist… people who help with budgeting, saving, and planning Are they actually worth it for someone like me? For context: I’m a woman in my 50s, just so...
If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
Retiring at 55 is not just retiring ten years earlier. It changes the entire math of your life. From 55 to 65, expenses are often at their highest. You are covering healthcare before Medicare, traveli...
My parents live in Mexico and know next to nothing about investing. Here was my journey in helping set them up for retirement. The post How I Helped My Parents Living in Mexico Invest Like the Pros ap...
Retirement is a new lifestyle and there are a number of adjustments that folks go through during this life changing event. On this episode we discuss 5 specific “Must Do's” with the objective of provi...