Showing 50 results of 626
Some employers are suspending or scaling back retirement contributions, leaving workers with new questions about savings, taxes, and long-term planning.
Balanced funds simplify investing while you’re saving. But proportional withdrawals can limit flexibility in retirement when it matters most. The post Balanced Funds: Are They a Good Choice in Retirem...
Should we sign up for a Health Savings Account (HSA) and embrace even more healthcare paperwork? We'd rather plan vacations than track receipts.
Diligent savers who take steps to capitalize on these tax-saving opportunities can keep more of their wealth and even help build a tax-efficient legacy.
Jeremy Keil walks through three critical questions future retirees can answer before their paycheck stops Most people spend decades preparing for retirement by focusing on one number: How much have I ...
UK 56M, I have worked abroad for the last 8 years and plan to work as long as my body allows, but at least up until UK state pension age, mainly because I had kids later in life (they're going to Uni ...
My husband's new diagnosis has me reeling; how do I protect our $1.6 million savings?
How does your nest egg compare? Explore the average retirement savings by age in 2026 and learn expert strategies to catch up if you're falling behind.
We asked financial advisers if this couple should cut expenses or borrow money to host this summer.
Discover the key differences between saving and investing and how your choice impacts your ability to retire. Learn how to balance these to retire comfortably.
(No, not the go-go, slo-go, no-go adage) I just got my letter from Social Security saying, it’s time, bud, apply to claim your benefits. I’ll be 70 in a few months. For the last 2.5 years, my wife and...
Roger Whitney kicks off a new series on decluttering for retirement, explaining how the accumulation of “stuff”—from physical belongings to financial accounts to relationships—can unconsciously shape ...
Author, podcaster and financial advisor Tyson Ray explains the importance of knowing your financial advisor’s succession plan and what happens to you when they retire. “If something happens to you, wh...
Spot Social Security scam emails before they cost you. Learn the red flags, how imposters trick seniors, and simple steps to protect your identity and savings.
When I started working out of college, I had one stream of income. My job. Now that I’m in my ... Read more
How trading your savings today will give you a permanent raise tomorrow.
Keeping too much money in savings may feel safe, but over time inflation and missed investment growth can quietly undermine retirement readiness.
Homeownership builds wealth through forced savings, not soaring prices. This second article explains the real returns on housing and what buyers must know before they purchase.
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...
I’d be interested to hear from those that have investments that pay close to or over the 400% poverty level and how do you manage things for Healthcare each year? I’m trying to not suck all my savings...
With Americans living ever longer lives, the age-old worry of outliving savings has become more pronounced.
Homeownership is often sold as a path to wealth. Part 1 of this series explains why mortgages function more as forced savings than a reliable wealth‑building tool.
Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcas...
One of the more common retirement concerns I hear from new subscribers is the transition from saving for retirement to spending retirement savings. During our careers, we’re programmed to sacrifice sp...
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...
401(k) mistakes aren’t just about saving too little – they’re also about poor planning. Common issues like tax-heavy accounts, lack of diversification, and early withdrawals can reduce your retirement...
Kevin asks about using leveraged ETFs (2x and 3x return) for his retirement savings. LEverage Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John...
One of the biggest fears people carry into retirement is running out of money. But for many retirees, the greater risk is something else entirely. Running out of time. In this episode, James Conole, C...
Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.
Overlooking these three important, albeit boring, tasks could have disastrous consequences for the retirement savings you've worked so hard to accumulate.
So many Americans are now responsible for not only building their retirement savings but also deciding how much they should ... Read more
Fidelity Investments notified a customer that her phone number and email address had been removed from her profile. When she logged in, her accounts and savings were nowhere to be found.
If you’re going to try, here are some ideas on how to do it safely.
Most people don’t know about these tax perks for retirement savers.
Investors with slightly higher incomes will quality for retirement savings tax breaks next year.
Many companies are automatically enrolling workers in a 401(k) plan at a higher savings rate.
Many workers feel uncomfortable about their ability to make saving and investment decisions.
Find out if your retirement savings are on track with our quick quiz.
Median retirement savings hit $185,000 at ages 55 to 64. Here’s how 401(k), IRA, and total balances compare across age groups. The post Average Retirement Savings by Age: See What Americans Have Saved...
Along with CDs, fixed-rate annuities often pay more than money market funds and savings accounts. If you’re nervous about them, here’s one way to test the water.
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...
Tuesday, April 07 - Monday, April 13, 2026 Most Commented score comments title & link 19 25 comments Retired folks: Best time of year to save money on home improvement projects? Top Comments score com...
As the title says, I'm a long term Fidelity customer (Rollover IRA and taxable brokerage acct). I also have a checking and savings account with a regional "normal" bank. I try to park most of my liqui...
Starting in 2026, the Federal Thrift Savings Plan (TSP) began allowing in-plan Roth conversions. Here's what you should know. The post Yes, You Can Now Do Roth Conversions in Your Thrift Savings Plan ...
Find out if your retirement savings are on track with our quick quiz.
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
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.
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
This post is a follow-up to our post of July 2, 2025. In that post, we talked about the possibility of future Social Security benefit cuts and how you can use the Actuarial Financial Planner to estima...
After retirees have spent a lifetime accumulating savings, one of their biggest hurdles is overcoming their reluctance to spend their money.