Curated articles and podcasts from trusted financial experts and real retirees.
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Takeaways Most 401(k) plans let you change your investments online at any time, though some funds may limit frequent trading. Changing where future contributions go and changing how your current balan...
One of the reasons I accepted Portfolio Penguin's book deal in 2019 was to demonstrate to my kids the importance of work. Not working sets a bad example if you are a FIRE parent. If I spent two and a ...
Eligible education workers can contribute to 403(b) and 457(b) plans, giving them flexibility when deciding how to save and use retirement funds.
I've been retired for a little while now, and I'm enjoying it. I have things I care about, projects I want to do, people I want to spend time with, and I'm certainly not sitting around waiting for the...
Stocks are near record highs while fixed-income yields are at levels we haven't seen in nearly 20 years. That combination may give retirees an unusual opportunity—but taking advantage of it requires t...
I know enough about investing to recognize the flaw in thinking that I should check the stock market every day. Here's how I've stopped. The post Why I’m Trying Not to Check the Stock Market and My Po...
Giving your adult children or grandchildren a massive cash gift can sabotage the financial independence you hope to build. Here is how to restructure your legacy with incentive trusts.
Helping them out is cool, but the best gift is teaching them how to manage money, be realistic about their standard of living and learn to stand on their own.
Quick overview, I am 72, and my wife is 65 in poor health. Done well in the stock market, but I am at a point where I want to get more conservative. We collect $3800 in social security. I won't leave ...
Does your estate plan need a will, a trust or both? Understanding how these tools work, and what your family needs, will help you make the right choice.
Without explicit instructions for stocks in your estate plan, your heirs may end up selling everything for simplicity or because they're mired in conflict.
What do you want your retirement to look like? Define the mission first, and the appropriate investment products will practically pick themselves.
We spend an enormous amount of time looking at rich people. Entire industries exist to tell us what billionaires are ... Read more
Let’s journey back in time and discover how the US stock market reacted when the Soviet Union launched Sputnik 69 years ago. The post Happy Anniversary to the Sputnik Launch, Which Pulverized the US S...
The market's return is only part of the story. Find out how taxes can quietly erode your retirement wealth and the planning strategies that can help you keep more of what you've worked so hard to buil...
Coastal tradition or desert cool? We break down the real cost — and culture — of retiring in two of America’s most iconic zip codes.
Retiring soon? Keep your relationship strong by discussing these three questions with your partner before handing in your notice.
From HSAs to backdoor Roths and even taxable brokerage accounts, there are plenty of ways to boost retirement savings once you've hit your full 401(k) match.
AI can't take the place of the human touch when it comes to getting investment advice and planning for your future.
Thirty-seven percent of those making more than $500,000 live paycheck to paycheck, Goldman Sachs found, making this a problem for more than just lower-income workers.
Has anyone else found that sometimes it’s easier to just pay out of pocket for a medication than to navigate through Medicare. I have an antibiotic that was prescribed yesterday and it required pre-au...
No more than a year or so out. Retirement would have been a couple of years ago but my divorce slashed my net worth, and pension in half. A high stress job and career for that matter, sr level technol...
I understand the basics of spousal benefits and the penalties of claiming your own benefits early. But when I have watched videos, sometimes its unclear which spouse they are talking about. Like they ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Don't ignore the markets entirely, but don't let your emotions control decisions based on headlines and volatility. Here's what to do instead.
Here's how you should consider whether to participate in a non-governmental 457 plan, its pros, and its cons. The post Should I Be Participating in a Non-Governmental 457(b) Plan? appeared first on Th...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/4f7f57 ======================= A couple came...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Depositing an inheritance check might be trickier than you think. Here are your options and smart strategies to take that gift and build lasting wealth.
With interest rates near two-decade highs, guaranteed income is looking attractive again. Here are 4 ways to play the rate spike.
While conventional wisdom views a career as a stable bond, human capital carries unique risks, so a client's job shouldn't always be treated as a safe asset.
When clients' retirement transition is harder than they expected, a "ready, shoot, aim" approach to income withdrawals is often to blame. Here's how to fix it.
In this panel conversation, Kiplinger editors talk to experts about the Great Wealth Transfer and answer questions on how to discuss inheritance with your family.
Part of the American dream is to climb the property ladder and live in the nicest neighborhood possible. We spend more than half our lives at home, so we want a neighborhood that offers as much peace,...
Forbes reviewed nearly 1,000 sites to come up with the top 25 for pursuits ranging from the arts and fine dining to golf. Here’s how to find your own top spot.
Forbes screened nearly 1,000 U.S. locales for quality of life and what they offer in leisure pursuits, including the arts, fine dining and outdoor activities.
Here's my approach to goal-setting and how I incorporate SMART goals into my overall strategy. Using SMART goals has been highly effective. The post Setting SMART Financial Goals appeared first on The...
Families also have options like 529 college plans and custodial brokerage accounts. Find out which one works best for you.
A $10,000 monthly retirement income sounds like a dream budget, but will it cover your future expenses? We broke it down to see how far it actually goes.
The first five years of retirement can shape the next 20. Learn how market declines, taxes, Social Security and spending can affect your retirement plan.
Advisors may want to rethink one of the industry's retirement rules of thumb. Two researchers suggest swapping the traditional 4% withdrawal rate for a "flexible 3%" rule to lower failure rates for lo...
What things do you do, if any, that benefit your spouse based on your retirement? I'm in education so I've had summers off for many many years. He's always been happy for me to be off in the summers a...
I just retired last June after my wife twisted my arm. I’ve always feared “the market will tank as soon as I retire and start withdrawing from my funds”. Lucky me, it waited 3 months. I’m not used to ...
My writing today is very different from 2013. Back then, I was a dividend stocks and early retirement writer. But now I’m more about passive investing and data-driven DIY financial planning. I’m also ...
My job is interesting and challenging with plenty of opportunity for creativity. I also belong to a great team of supportive, kind and smart people. However, I can’t keep working forever, and I don’t ...
Digest version: I want to acknowledge and celebrate my sister's retirement in a way that mine was not, but she's not welcoming any such gestures. Plainly people experience this event differently. I re...
So my spouse (58) and i (58) are considering retirement the end of next year. We are getting a bit nervous about it. When we do retire we should have $95k in retirement savings, $175k in hysa/cds. We ...