Curated articles and podcasts from trusted financial experts and real retirees.
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Here's everything you need to know about Mega Backdoor Roth conversions and whether they're the right move for you in the long run. The post Mega Backdoor Roth IRA Conversion in Your 401(k) or 403(b) ...
I’ve been thinking a lot about the current state of the markets. I feel bad for the folks who are freaking out, although I can see where they’re coming from. Most of the folks in my circle...
To read this story on KSL.com, click here. Up to 85% of your Social Security benefits could be taxed. Many families planning for retirement don’t realize this – or how…...
April 7, 2025 Deja vu all over again A few short years ago my blog comment section and social media were blowing up. Panic was in the air. The comments were varied, but uniformly convinced this time w...
Have you ever hear someone say, “We’re not poor, we’re just in between”? That “in between” is real, and it’s tighter than most people admit. One paycheck late...
Wild stock market swings and rising recession fears have put Americans on edge. Here are strategies to lower the angst....
Hi Everyone: I hope somebody can clarify something I am confused about if you collect Social Security and choose to work as well (before full retirement age). I understand in 2025 if under the full re...
With a likely recession and potentially stagflation on the horizon, I suspect many more families will join us as DUPs: Dual Unemployed Parents. Mass layoffs and company shutdowns will ripple through t...
Given the current climate, those applying for Medicare need to do everything they can to ensure they do it right the first time....
Whether retirement is years away, a year or two out, or in the rearview mirror, here's how to handle uncertainty in your 401(k)....
retiring at 59+ Basically, my question is, concerning losses in the 401k, people say its only a loss if you sell. But when i go to retire, if the market is still down, is that going to be a loss? In o...
In the old days our parents could just raid the office stationery cupboard on their way out the retirement door and keep themselves in staplers and notepads for life. Which tech tools from your workin...
The cost to employers of providing their workers with health insurance has remained fairly stable for years. At first blush, this seems like good news for workers. When benefit costs rise, employers t...
I’ve been thinking a lot about work optional versus Financial Independence Retire Early (aka FIRE). If you haven’t heard these terms, I’ll explain them shortly after I get through th...
You ever hear someone say, “Retirement? I’ll figure it out later”? That’s exactly the kind of thinking that keeps people working until they’re 78. It’s not that mos...
While some people think they should wait until they're 65 or older to retire, retiring at 59½ could be one of the best decisions for your quality of life....
You could do more harm than good if you react emotionally to volatility. Instead, consider tax-loss harvesting, Roth conversions and how to plan for next time....
From sector-focused strategies to volatility-hedging tools to niche themes such as pet care and esports, today’s ETFs are expanding far beyond their original designs....
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....
Not ready to file taxes by April 15? Here's how to file an extension with the IRS. Some states have been declared federal disaster areas, providing some taxpayers automatic extensions....
Students are taking financial education into their own hands, and there is a growing ecosystem of school-based, nonprofit, and digital programs to meet demand....
Financial literacy often brings to mind budgets, investments, and market headlines. But beneath the spreadsheets and strategy is something just as powerful: psychology....
If you're looking to lower the cost of how much you pay in homeowners insurance premiums, here are some tips to think about. The post How to Reduce Homeowners Insurance Costs Without Sacrificing Cover...
Future economic possibilities? There is a lot that can go wrong (and right)! Be prepared for anything with the right plans. The post Future Economic Possibilities: How You Can Prepare for Any Future U...
Advisors who impart the long view of market ups and downs help investors stick with the financial plan during turbulent times....
I know many people who have hybrid work schedules or work from home and have a full home office with a big work desk, big office chair, dual monitors, etc. I know others who keep a home office to work...
Learn the steps to retire at 40 and how much money you’ll need to make it happen. Achieve early financial independence with these practical tips....
Welp, I guess we’re all headed into a recession now. It doesn’t matter whether you’re rich, poor, a leftie or ... Read more...
I’m unloading, so here’s the tl;dr: I have wanted to retire for a while, have run the numbers and probably can do it now, but can’t seem to give myself permission to go ahead. One of...
The market is in volatile shape right now, and there’s little we can do about it. New information comes to light every hour, but the fog persists. With so much being unknowable, the market will ...
Retirement sounds great until you realize you’re not actually ready. It’s not just about money, it’s about time, energy, and what the hell you’re going to do with your life onc...
It’s hard to understate the value of financial literacy as Americans recognize its importance this April. The Currency will focus on some trends readers need to know....
There’s a growing appetite for speedy eats, and some quick-service restaurants are turning to AI and other technology for innovative ways to serve fast food faster....
Achieving financial freedom begins with knowledge and know-how, and learning to apply some key financial skills can be pivotal steps in learning to effectively manage money, stay on course, and naviga...
Outdoor kitchens can feed the needs of people looking to maximize space, socialize, and spice up their cooking routine....
Tariff Turmoil wasn't all bad for Boldin users and they have some useful advice for weathering these storms. The post 7+ Powerful Actions Taken (and Not Taken) by Boldin Users During the Week of Tarif...
Here are 8 key insights on life transitions. Use the tips to make retirement and other big changes in your life efficient and happy. The post Life Transitions: An Expert Guide to Thriving During And A...
In many of our prior posts, including our post of March 8, 2025, we have strongly encouraged readers to estimate the potential impact on their Funded Status before making a significant financial decis...
Congratulations, u/MidAmericaMom ! Thank you so much for your dedication and all the time and care you've poured into this community. Your thoughtful guidance and steady moderation have truly helped s...
I am in and out of some really nice CCRC communities for my job. People tend to casually chat with me during the course of the visit and almost everyone who lives in these CCRCs mentions they have a p...
Looking for opinions on what to do with the money. I am the higher earner of the 2 of us, aged 57, spouse is retiring as a teacher at 56. Getting about 250K lump sum in exchange for a lower COLA incre...
Creating an investment game plan is a crucial part of building lasting wealth. Without one, you're likely to accumulate far less over your lifetime. Now that the S&P 500 briefly corrected by 20% i...
Get Quick Medicare Answers With Our Medicare Q&A Tool...
Let’s talk housing prices. If you’ve been casually scrolling real estate listings and thinking, “Wait…wasn’t this $200k like two years ago?” you’re not imagi...
Retirees can plan for a near-term recession with a range of strategies, from small investment changes to significant lifestyle hacks....
The stock slump has hit 401(k)s hard in recent days. But even without a company match, contributing to a 401(k) can still be a great choice if your goal is long-term retirement savings....
Just having the skills and experience to do the job isn't enough. The probate attorney you hire needs to have the right temperament for your particular case....
Higher Medicare premiums, smaller Social Security payments, bigger tax bills … Financial changes can hit hard when a spouse dies. How to counter the blow....
Answering reader questions about the difference between Roth and traditional IRAs, the process of opening Roth IRAs for your kids, and what to do if you over-contribute to your 401(k). The post Roth I...