Discover the Best Insights for Every Stage of Retirement

Is an Adult Day Center Right for Your Loved One?

These facilities provide care and companionship for those with dementia or other health conditions.

95% Boring

Retirement investing is all about discipline. Pick a strategy that’s optimized for maximum returns and lowest cost, then deploy it, and let time compound your wealth. Many DIY investors choose a passi...

War in Iran, Inflation and AI Angst: Should Investors Increase Their Safety?

Investors are increasingly turning toward the stability and attractive yields of Treasury securities and specialized bond ETFs to protect their capital.

Does it make sense to sell a paid off house and rent? Have any of you done this?

Hi, I am 60yo married looking to retire within the next couple of years. My house is paid off and per Zillow would likely sell for around $1M. I live in Seattle. I had a recent realization that I coul...

Retired with too many dreams and not enough days

Before I retired I made this long list of things I always said I'd do "when I have time." Now I have the time and honestly I don't know where to start. When I was younger I used to watch kids doing st...

Vanguard’s Security Audit – What I Learned When I Took It

I got an email yesterday, and I suspect all of you who use Vanguard received the same. It’s rare for me to write within one day of something happening, but […] The post Vanguard’s Security Audit – Wha...

8 Signs You’ll Thrive in Retirement (Even If You're Afraid to Make the Leap)

Not sure if you're ready for the next step? Consider these indications of retirement readiness and see if you're more prepared than you think.

GLP-1 Medicare Coverage: How to Get It for $50 (And the Catch)

A new CMS program finally brings Wegovy and Zepbound within reach for seniors. But a hidden rule about your deductible could cost you thousands.

With the Widow's Penalty, Prevention Is Better Than the Cure: A Financial Adviser Explains Why

Don't get hit with a higher tax bill just when you've lost your spouse. You can deal with it once the worst has happened, but it's far better to plan ahead.

Retirement Travel Survey: Financially Confident Retirees Worry About Time, Not Money

See full results from our retirement travel survey. Most surprising? For many people, it is not a money question. It’s primarily about time. The post Retirement Travel Survey: Financially Confident Re...

Has anyone decided on New England for Retirement?

Has anyone here either moved to New England or relocated within New England for retirement? I lived and worked on Boston's Northshore for 35 years and miss it during the summer and fall (not so much i...

Retirement Planning Questions about budget and pension income (CDN)

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...

Struggling with SlothMaxxing as a Retirement Goal

I (64M) retired a fewof months ago, and I am decidedly not adjusted yet. My wife and I did the big road trip of 6,500 miles, saw almost every member of my extended family, visited the Grand Canyon (a ...

Marketplace Insurance Income Timing

Not sure which sub to post this on. A little financial planning, a little healthcare but retirees probably are most familiar with this situation. Retired couple 61/60. Cobra about to run out. Looking ...

10 Retirement Fixes You Can Implement Today to Strengthen Your Financial Plan

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.

ProjectionLab Review 2026: Best DIY Retirement Planning Tool

After reviewing dozens of financial tools on this site since 2009, ProjectionLab is one of the most comprehensive planning tools I've come across. It shows you how today's financial decisions play out...

The Penalty For Missing RMDs Was Reduced, But It Still Is Steep

The IRS penalizes taxpayers who did not take their full required minimum distributions. IRA owners should know about the penalty and how to avoid or minimize it.

The mental state transition is still happening, three years later

I’ve been retired for coming up on three years. I consider myself lucky because I retired when I chose to, and I had already thought quite a bit about what my retired life should look like. And basica...

Read This If You And Your Friends Are Turning 70

Having a sense of humor is important as we age. This article includes several resources to remind us the value of laughing to enjoy life.

Spend More in Retirement Without Fear of Running Out

Creating an income stream that mimics a paycheck can help you safely loosen the purse strings. Personal finance writer Jean Chatzky shares her opinion.

How to Talk to Your Parents About Money Without Overstepping

Talking with your parents about their money can be awkward, but it's necessary to know what's up as they get older. These tips can help.

Can I Open a Roth IRA for My Child? What Parents Should Know

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...

Medicare 2027 Projections: Here's How Much Your Monthly Premiums Are Estimated to Rise

In 2027, Medicare participants will pay more for their health care. Fortunately, Part B costs are expected to rise less than 5%.

I'm a Financial Planner: My College House-Painting Job Taught Me the Best Way to Compare Professional Fees — and It Works for Financial Advice, Too

When looking for a contractor or a financial adviser, hiring based only on price is risky. These questions will help you find the right person for the job.

RAP vs IBR for Physicians: Choosing the Right One

IBR and RAP are both federal student loan repayment plans. The quick answer is that for most physicians with a ... Read more

Single people who have relocated for retirement - how is it going?

I hang out here a lot and relocation after retirement seems to be discussed pretty frequently. Would love to hear how it's worked out for single people who have moved to a location they always wanted ...

Micro-retirements aren’t a shortcut to FIRE

“Micro-retirement? I thought that was a vacation?” Well, yes…and no. A micro-retirement is an extended, unpaid career break taken years ... Read more

10 Pillars of Lifestyle Design: Evolving into a Life of Happiness

My stepdad died last month. My mom’s been in and out of the hospital since then (broken heart?). As a former engineer, I have a mindset to observe and then improve things. It’s just how my brain works...

A Financial Checklist for Your 50s

Your target retirement age is looming, but you're not sure you're on track to retire the way you want? Here's what to do.

Night musings from this insomniac on Reddit

No stars. The rainy dark day just crept into night The air is thick with moisture and to... still The stream of crickets' song is uninterrupted and unwelcomed A critter, maybe a mole, is in the yard. ...

How to Inflation-Proof Your Retirement Without Cutting Costs (You Can Even Take Your Dream Vacation)

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.

He's 49 and 'Burned Out.' Can He Afford to Quit a $200K Job?

With no mortgage and a solid nest egg, a reader in this week's advice column wants to take a year-long sabbatical in Europe. Is he nuts? Or brilliant?

Can we increase the Safe Withdrawal Rate with Risk Parity? – SWR Series Part 64

July 27, 2026 – Welcome back to a new part of my Safe Withdrawal Rate Series. In my 10-year quest to study safe withdrawal strategies and find ways to hedge or at least alleviate Sequence of Return Ri...

How do you all plan for long-term care?

So as I plan for retirement I've been watching a lot of YT videos about it. And they seem to be split into 2 opposing camps. First: Retire now, time is the only irreplaceable resource, most retirees d...

How Much Would A Public Long-Term Care Insurance Program Cost?

Early versions of the WISH Act would cost about $200 billion, equal to a payroll tax rate of 1.7%. But with tweaks, WISH could come in at around half its initial cost.

Should A Living Trust Be Beneficiary Of Your IRA?

It usually is not a good idea to name a trust as an IRA beneficiary, because heirs often are penalized with higher taxes. There are a few exceptions to the general rule.

Real Adults Are Not Financially Dependent On Their Parents (But That’s OK)

One of my biggest fears as a parent is raising kids who can’t launch into adulthood on their own. My hope is that by 26, three years after college to find their footing, they can support themselves wi...