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Being middle class means you earn enough to get by, but not enough to stop worrying. Over time, it becomes a cycle of working, spending, and starting over. This gallery breaks down the money habits th...
As indicated in many of our prior posts, the key metric for managing your spending, assets and risks in retirement is your Funded Status--the present value of your assets divided by the present value ...
Today, I’m talking to Dr. Michael Finke. Michael is the Professor of Wealth Management at the American College of Financial Services. His research is focused on retirement income planning, retir...
You're encouraged to save, delay gratification, and be disciplined with your spending—but what happens when that mindset becomes a roadblock in retirement? In this episode, we discuss: The psych...
Today, I'm very excited to welcome Christine Benz back to the podcast. Christine is the Director of Personal Finance and Retirement Planning at Morningstar. She has become a trusted voice in the indus...
Saving more and spending less — all while finding joy. Americans are walking a balance, but doing it confidently....
I should take my own advice but interested on other views as well. I’m 65. I currently receive two pensions from previous employers and work enough to qualify for a third, as well as very attrac...
Looking to earn some extra spending cash in retirement? Those bonus bucks might be just a few clicks away from landing in your pocket....
Some retirees have saved all their lives and want to live a little. Or a lot....
Parents are devoting more time, resources, and money than ever to their children’s sports, spending over $1,000 annually on average per child for the primary activity alone....
Sharing one of our fan favorite sessions from WCICON25, as the WCI columnists joined Dr. Jim Dahle to talk about spending extravagantly. The post WCICON25 Columnist Panel appeared first on The White C...
Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she shoul...
According to new Empower research, 47% say the increased cost of living, economy (44%), and tariffs (30%) are impacting 2025 travel plans....
Even wealthy aging parents can overspend and enganger their financial safety. Adult children need to watch over finances and take action when spending is out of control....
Baby Boomers and Gen X are guilty of spending a lot of money. Here's a look at where their money goes....
Should I continue contributing to my 401(k) or treat myself now?...
The U.S. is notoriously limited in its healthcare spending, specifically for primary care. In 2022 alone, primary care accounted for ... Read more...
As we have indicated many times in prior posts, the future isn’t going to happen as you (or your financial advisor) assume, and your spending goals and actual spending are likely to change over ...
After publishingWhy We Keep Spending Even Though We Know We Shouldn't, I realized something important: the real reason I wasn’t willing to spend on a vacation rental this summer is because we no...
Spending money is an American pastime. With a national saving rate hovering around 5%, it's clear we collectively love to spend. And honestly, being able to enjoy our wealth is a beautiful thing. It&r...
Americans are pumping the brakes on gas spending—driven by economic caution, evolving lifestyles, and emerging technologies....
Saving for retirement is the easy part. Spending those retirement dollars may cause too much stress and require help....
A midyear review of everything from spending to saving, with adjustments as needed, can set you on track to financial security. Plus, don't forget to check in on your workplace benefits....
You’d think with all that money, rich people would be better at spending it. But give someone unlimited funds and they’ll always find ridiculous ways to burn through it. Money doesn’...
Forget about spending four years in college just to end up broke and burned out. The truth is, a solid two-year degree can get you trained, hired, and earning real money faster than most traditional p...
The numbers fromEmpower Personal Dashboard™from January 2020 through March 2025 suggest a pattern of , with consumers allocating dollars toward convenience, wellness, and personal enrichment, ev...
In our last post, we tried to encourage retirees afraid of (or behaviorally resistant to) spending their wealth to consider increasing their spending whenever their Funded Status exceeded a specific t...
Hobbies like knitting, sewing, gardening, and baking are making a comeback, with the craft and hobby market projected to reach $74.3 billion in revenue by 2033....
Many great savers hesitate to spend once they retire—unsure how to shift gears after years of discipline. In this episode, we talk through what it looks like to use money with intention, not jus...
See how your retirement investment choices impact replacing your income in retirement. Discover the impact various combinations of stock and bond mixes can make....
Most of us are relatively conservative when it comes to determining how much we can afford to spend in retirement. All things being equal, we would rather die with too much money than too little. Appa...
Should you choose income replace or lifestyle spending for your retirement planning methodology? We explore the challenges of people with unpredictable income growth....
Saving and spending is a concern but most workers and retirees think they are on track based on a new survey....
I was trying to decide what to focus on in this post because I’ve had several random thoughts spending some quality time in my mind lately. Sometimes my brain just has stuff bouncing all over th...
Been retired 3 years. My spending has steadily declined each year. I prepared for retirement by paying off my mortgage and car loans. Retired debt free. My investments are 20% in VOO for money I don&r...
Seasonal allergies can affect up to 60 million Americans. As pollen takes flight, here's a look at how people are spending....
Shoppers are spending more time in the produce section these days as designer branding, social media, and popular weight-loss medications reshape consumer tastes....
Retired in January, full of ideas about all the things I would do and get done. But it seems that between sleeping late and spending too much time scrolling on my phone in bed in the morning, by the t...
Spending flexibility isn't only taking a little bit less from your portfolio for one year. It could mean spending a lot less for 10 years. The post How Flexible Might You Have to Be in Retirement? app...
Tariffs triggered a market plunge, but the emotional impact spans generations—shaping spending, saving, and retirement plans from Gen Z, millennials, Gen X and boomers....
We all love a good deal, but nothing beats free. There’s something satisfying about getting what you need without spending a cent. The problem? Too many people still pay for things that have alw...
If you’ve ever tried cutting back on spending but still felt like your money disappears too fast, you’re not alone. Traditional budgeting helps, but sticking to the same old advice doesn&r...
Poverty isn’t just about working harder or spending smarter. If it were that simple, millions of people wouldn’t be stuck in the same financial hole, generation after generation. The truth...
Babies are big business: The global baby products market was estimated at $357.9 billion in 2024, with two-income families in the U.S. spending as much as $23,380 yearly on average bringing up babies....
While soaring egg prices and picked-over egg aisles seem to dominate the headlines, supermarket prices on the whole are on a steady climb, and consumers in some states are spending more than others....
The future isn’t going to happen as you (or your financial advisor) assume, and your spending goals and actual spending are likely to change over time. Therefore, as previously discussed in our ...
With fears of a recession rising again largely thanks to the Trump administration’s aggressive policy measures—tariffs, spending cuts, aggressive layoffs, and an increasingly combative tra...
FROM THE ARTICLE: Acting Social Security Chief Says Agency Moves Will ‘Prioritize Customer Service’. Dudek addresses spending cuts, office closures, data privacy fears in response to AARP ...
If spending makes you nervous, the 'Die With Zero' rule might be be for you. Because you don’t want to be the richest person in the graveyard....
Are You Spending Your Money on What Truly Matters? A few weeks ago, I challenged you to do the most important thing you can with your money this year—not Roth conversions, not optimizing Social ...