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Instead of saving home equity as a "last resort" in retirement planning, it makes sense to treat it as a strategic asset that's incorporated from the start.
Could doing everything "right" with your retirement savings actually be limiting your financial freedom? As part of our "By the Numbers" series, in this episode, you'll learn: Why "max out your 401(k)...
Answering listener questions about the most effective levers for catching up after a late start to retirement saving, tax-loss harvesting, and when added investment complexity may or may not be worth ...
Women should move beyond simple saving to a strategy that optimizes taxes, asset location and diversification, so every dollar works toward long-term goals.
A survey links Gen Z sports betting to investment choices. The larger danger is a 401(k) system that lets retirement savings leak away early.
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...
While a solid financial plan tells you if you can afford to retire, a "second checklist" focused on purpose, relationships and well-being is also important.
Hitting your savings goal is worth celebrating, but you're not done with retirement planning. Next, ask yourself how you'll keep more of what you saved.
We all have our own savings goals and dreams of retirement, but difficult markets and high inflation can be quite discouraging. Sometimes it feels like you'll never achieve what you've hoped for. So w...
Reaching retirement doesn't mean you can put your plan in cruise control because plenty of risks remain. One that all recent retirees are dealing with is the sequence of returns risk. This is an overl...
We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there's not nearly as much thought and research given to how you take that money out once...
Americans have been falling behind on retirement planning for some time now, and the past two years have only increased the difficulty to save money and grow a nest egg. This recent trend emphasizes t...
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...
Hackers are targeting your retirement savings — and they need little more than your email account or cellphone number to gain access. Here's how to stay safe.
The optional forms aim to standardize direct rollovers, encourage electronic transfers, and take some of the paperwork out of moving retirement savings.
Losing $70,000 during the 2008-09 Global Financial Crisis was the majority of our life savings. Here's what I learned from that bear market. The post What It Feels Like to Lose Money appeared first on...
Prepaying everyday bills is the easiest way for retirees to lock in savings without cutting back. Here are five recurring expenses to pay upfront.
Today, I'm excited to welcome Bill Perkins to the podcast. Bill is an entrepreneur, hedge fund manager, investor, and bestselling author of Die With Zero: Getting All You Can from Your Money and Your ...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/ad021b ======================= I've spent 15...
This week, Advisor Perspectives published my article entitled, “Social Security’s Short‑Term Crisis: What Advisor’s Must Prepare For.” The primary purpose of this article was to focus on possible solu...
How you answer this question can make a big difference in your retirement savings, and there's no one-size-fits-all approach. Here's what to consider.
A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research. The post Sequence of Returns Risk: How to Protect Your Sa...
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.
The backstory, so you understand how I got here: My brand-new husband died unexpectedly six and a half years ago (right before covid), and had no life insurance. Luckily, I make good money, so it didn...
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...
Hi everyone, My wife and i are hoping to retire in about 7 - 10 years, ultimately my question is have I forgotten anything important in my calculations. My wife will retire with a full pension and i w...
Taking action in areas like tax efficiency and estate organization can help you secure your future while also allowing you the freedom to enjoy your savings.
"Ute" (SUV), "chips" (French fries), "sunnies" (sunglasses), and "mates" (friends) are just a few of the slang terms I picked up earlier this year when the Keens visited our family in Brisbane, Austra...
A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of sav...
There are no two ways about it: Inflation will affect your retirement savings. But you can plan for rising costs without losing the lifestyle you want.
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= Two people retire on th...
People retiring this year can expect medical expenses to take a significantly bigger bite of their savings, according to a new report from Fidelity Investments.
59yo who gave a 2 year retirement notice. Retirement date is now fast approaching. Also, had 2 heart attacks, one at my desk, and got a stent within the last few months. My skill set is exceptionally ...
The S&P 500 has been a portfolio staple for generations. But how should an index ETF actually fit into your retirement strategy? Here is what experts say.
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...
Americans are saving more for retirement than ever before, yet more workers are also tapping their 401(k)s for financial emergencies. According to Vanguard’s How America Saves 2026 report, hardship wi...
Planning for retirement can feel overwhelming, especially as you approach the transition from earning a paycheck to relying on your savings. The early phase of retirement brings unique challenges, and...
This practical guide can help you manage money as you age, from emergency funds and retirement savings to healthcare, taxes and long-term planning.
A Roth conversion is a powerful tax-saving tool, but there are several situations where taking that leap might actually cost you more in the long run.
This Roth retirement savings strategy allows high earners to sock away up to $72,000 a year — if their workplace plan permits it.
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.
Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to hel...
I've got a decent chunk saved for retirement (to the point where I'm beginning to back off on contributions a bit), but I'm still a few years out, so I have some time to make some adjustments. What ar...
As retirement approaches, you need to shift focus from simply saving money to creating a plan for reliable retirement income while also protecting your wealth.
Between Trump accounts and child-friendly investment platforms, it has become much easier for parents to invest for their children’s future.
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.