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The real question isn’t “Can we retire?”, it’s “On how much, and when do the big costs fade so our savings can breathe?” In this episode, James walks through one co...
I’m 63, setting up for retirement soon. Last year we sold the big suburban house and rented in a cheaper city. Lowered our COL by half. Not just saving the mortgage and taxes, but also on the we...
To help ensure you reach your savings goals and enjoy financial security in your golden years, be aware of these common pitfalls. The key is to be proactive, informed and flexible....
Saving too much could mean you're missing opportunities to put your money to work. Redirect some of that money toward paying off debt, building retirement funds, fulfilling a dream or investing in hig...
While Trump Accounts offer some benefits for early savings, investment advisers need to be cautious when recommending alternatives like 529 plans or Roth IRAs, as those suggestions could create fiduci...
The Federal Reserve is cutting interest rates. But retirees and those nearing the golden age may still see decent returns on their savings....
How many 401k rollovers per year can you do? Understand the one-per-year rule, direct rollovers, taxes, and smart timing with Boldin’s Savings Playbook. The post How Many 401k Rollovers Per Year...
Answering questions from the residents in the audience who are wondering about saving vs. investing, buying houses, physician loans, and Roth IRAs. The post The Resident Episode appeared first on The ...
I am 60 and set a target retirement date for me and my spouse of Jan 1, 2028. 2 years + 3 months. Based on my savings/spending and conservative growth projects, I think we should be fine. What is your...
Planning for retirement isn't just about hitting your savings targets and hoping for the best. It's about getting creative, asking new questions, and challenging your own assumptions. We follow the re...
Optimism like that of the fictional soccer coach can surprisingly improve your retirement planning by encouraging better saving habits and a more positive outlook on your financial future....
You've met your savings goal, your friends are having fun without you, your boss is mean to you, and your kids are grown and gone. What are you waiting for?...
Saving for retirement isn't what it used to be. The deck is stacked against Gen Z in some crucial ways. The system is broken, and we need to fix it....
Leaving a 401(k) at a former employer can shrink your nest egg. These steps could help protect your retirement and boost savings....
The IRS has clarified some questions surrounding new catch-up contribution rules for retirement savings plans....
How have others approached life insurance once they get closer to their retirement savings goal? I just crossed the $1 million mark in a 401k and expect to reach my goal in less than five years. Which...
Saving enough for retirement can sound as daunting as walking on the moon. But what would your future look like if you took one small step toward it this year?...
What if one of the best ways to get wealthy is to trick yourself into thinking you’re poor? It sounds counterintuitive, even ridiculous. But after decades of saving, investing, and observing how...
I'm planning to retire in 2 years with about $3 million in savings. The vast majority of this total is currently in tax deferred IRAs. Using the 4% rule, I expect to be withdrawing $120k annually, adj...
Planning for your child’s college education can feel overwhelming, especially when faced with skyrocketing tuition costs and countless savings options. This week on the show, we’re discuss...
Your 401(k) shouldn’t be a “set it and forget it” investment. While automation makes saving for retirement easier, it doesn’t mean your account should be left untouched for yea...
Learn how mandatory 403(b) contributions can significantly increase your retirement savings potential while maximizing tax-deferred space in 2025. The post Why Mandatory Retirement Plans Can Help You ...
President Trump has signed an executive order that could pave the way for the use of private equity (PE) and alternative assets in retirement savings accounts....
Being too conservative in retirement can erode savings. Learn how inflation and limited growth impact portfolios and how to balance risk and stability....
Building a million-dollar retirement account requires strategic saving, consistent contributions and a mindset focused on long-term progress....
The new tax legislation offers unique opportunities to make smart financial moves and save on taxes, especially for people nearing or in retirement with significant savings....
A wealth adviser shares a childhood saving technique that taught him lessons of stewardship, generosity and responsibility and helped him answer the question we all need to answer to define our lives ...
Your retirement savings may need to last 30 years or more, so don't pick a withdrawal strategy without considering all the options. Here are four to explore....
Buying a second home in retirement, especially with sufficient savings, can enhance your lifestyle or serve as a smart investment. But it requires careful planning....
Saving money doesn’t have to be complicated. These proven strategies can help reduce expenses, avoid costly habits, and strengthen long-term financial stability. Based on recent consumer and fin...
These Golden Rules of Retirement Planning, developed by a financial pro with many years of experience, can help you build a plan that delivers increased income and liquid savings while also reducing r...
Want to retire in your 50s and withdraw from savings? You need to understand the Roth 5 year rules to avoid penalties. The post Understanding the Two Roth 5-Year Rules: A Key to Smarter Early Retireme...
How do you retire ‘tax-free’? This state doesn’t tax retirement income, has a low median property tax bill, and even offers savings on gas. Are you ready for a move?...
Gen X is retiring soon. Are they ready? The outlook isn’t great. Gen X is the first generation to rely primarily on their own individual savings through 401(k)-like plans for retirement. They we...
A deep dive into “No Tax on Overtime” in the new 2025 Trump tax law, with a calculator to estimate tax savings. It's not what you think. Learn the Nuts and Bolts I put everything I use to ...
A deep dive into "no tax on tips" in the new 2025 Trump tax law, with a calculator to estimate tax savings. What qualifies and what doesn't? Learn the Nuts and Bolts I put everything I use to manage m...
Saving up a bunch of money gives you power - power you can use to make your life better and your journey to financial independence quicker. The only way to take advantage of the power though is to use...
Six months into President Trump’s second term, and 401(k) savers are getting ready to have more ways to diversify their retirement savings accounts....
Having a bunch of retirement accounts can cause unnecessary complications. Consolidation can make it easier to manage your savings and potentially improve investment outcomes....
Stressing over shrinking savings, rising healthcare costs, or losing your purpose can give you chills, but smart money moves can lead to financial freedom and a happy retirement....
In his June 25, 2025 Kitces.com post, Adam Van Deusen encouraged financial advisors to help their clients understand when they may have enough retirement savings to “Coast-Fire” and keep w...
As parents, it’s our job to teach kids how money works because most schools won’t. It’s not just about saving, it’s about earning, spending, and thinking clearly in a world tha...
This strategy challenges conventional retirement rules of thumb by combining traditional savings, home equity and annuities to provide higher income and liquid savings and help cover long-term care co...
Outliving your retirement savings is a real fear, especially if you live in these five states....
College grads can help set themselves up for financial independence by focusing on emergency savings, opting into a 401(k) at work (if it's offered) and disciplined, long-term investing....
Most people enter retirement without any idea how to manage withdrawing their savings without running out of money. Here is what you need to know....
What is the best type of account for you to allocate your retirement savings? One of the biggest factors in helping you make this decision will be taxes. In this episode, we discuss: Current tax deduc...
With the 2024 presidential election now behind us, what does that mean for the future of tax policies, tax rates, and their impact on your lifelong savings? In this episode, we discuss: A brief histor...
New research highlights savings challenges of workers without employer-sponsored…...
Saving more and spending less — all while finding joy. Americans are walking a balance, but doing it confidently....