Curated articles and podcasts from trusted financial experts and real retirees.
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James and Ari discuss diversification and the nuances of managing investments. A client plans to split his funds across multiple institutions, like Schwab and Vanguard, believing it will improve diver...
Merry Christmas and Happy Holidays, everyone! I'm spending the week with my parents in Oahu and wanted to share my latest travel adventure. Personally, I can't stand flying—especially in America...
Greetings all, I’m curious to hear everyone’s thoughts on the following. My wife and I are still several years away from retirement, her about 5 and 10 myself. Even though the ‘big d...
Is anyone familiar with this idea by William Bernstein ? He says to set up a part of your portfolio to cover necessary expenses in retirement and then invest the rest. Include all safe payouts like So...
Hello! I always enjoy seeing a fellow Canadian’sReader Case. Hopefully I’ve got one you’re interested in. I’ve been following your blog for years. I bought your book too! It&rs...
Retired couples spend lots of time together. Without the distractions of work and raising kids, miscommunication can cause trouble. Here's a way to avoid that....
Christine Benz, Morningstar director of personal finance and retirement planning, explains the key lessons from her book on retiring successfully....
I’m a big fan of the crowd. I often rely on the opinions of other people when making certain kinds of decisions. For example, if I need to find a great restaurant in an unfamiliar area, I use Ye...
Happy Holidays everyone! Here is a piece of our festive decor and we would love if you would share some of your seasonal decorating too, in the comments :) Mods are taking time to connect with our fam...
OMG, this is my fourth day off, no on call, and I am rested and can’t believe how good I feel. And I have eight more to go! (I normally take time off when absolutely required…. Surgery, e...
The 5th Circuit has reinstated filing under the Corporate Transparency Act and FinCEN has extended the deadline until January 13, 2025. Urgent action is required....
Author and estate planning expert Mark Shiller shares how to leave wealth to your kids and prepare them for success...
Retirement is an exciting milestone, but it often comes with common fears. With proper planning, these concerns can be addressed to ensure a fulfilling and secure new chapter. Here are five major reti...
Many dream of retiring early, but you would be surprised to learn that many people who retire early regret doing so. James reveals five things that lead people to regret early retirement and provides ...
In this special Christmas Day episode, we explore the art of reflection as we approach the end of 2024. Join us as we dive into Tanya Nichols' year-end reflection protocol and challenge ourselves to l...
My brother and I are working to develop a retirement plan. Our working class parents never really saved for retirement (my mom worked until my dad died), so our expertise in this area is fairly low. N...
Well, finally coming up on retirement from a corporate sales job after more than thirty years. Getting Medicare at the start of 65th birthday month was the key to my decision. Younger wife (10 years) ...
As Americans prepare for a more crypto-friendly government, do digital currencies deserve a place in their nest eggs?...
Top retirement articles covered Roth mistakes, wealth, average net worth, decision-making, rules, and more related to achieving a secure future. The post Best Financial and Retirement Articles from 20...
When should Richie and Heather and Rebecca and Sam collect their Social Security benefits? Why is Dan’s benefit so much higher than his wife’s? PWare has a Roth conversion case for claimin...
Christmas really sneaks up on you, doesn’t it? One minute you’re taking down Halloween cobwebs, and the next, the radio’s ... Read more...
Will there be any coverage of the changes to Social Security eligibility/payments because of the changes to WEP/GPO?...
Ifyou are considering moving to a new climate for retirement, you will want to take all factors into consideration. Older adults often make less body heat because of a slower metabolism and less physi...
While OAA programs will continue to be funded at current levels until March, it has become a potential target for substantial spending reductions....
There’s a Stealth Tax retirees and near-retirees often don’t know about until they inadvertently trigger it, increasing taxes they often could have avoided or reduced....
When you reach financial independence or retirement you may eventually experience a sense of emptiness. After years of hard work, aggressive saving, and smart investing, you might feel a letdown becau...
Explanation of how Net Unrealized Appreciation (NUA) works for a 401(k) or other workplace retirement account. The post Net Unrealized Appreciation Treatment appeared first on Getting Your Financial D...
Welcome back to Physician on FIRE’s Monday Markets review! The upcoming Christmas week may seem quiet but don’t underestimate the ... Read more...
I am 71 years old and worked for the Post Office for over 30 years. I am collecting a government pension and was not eligible for spousal benefits due to GPO.I do have an online SS account and used th...
Did you know that nearly 70% of retirees’ net worth is tied up in their home equity? Yet many never consider leveraging it to secure a worry-free retirement. This week…...
Happy Holidays, everyone! I hope you are enjoying the holidays as much as RB40Jr. He loves winter break because he doesn’t have to go to school. Life is so simple ... Read more The post Gratitud...
As the holiday season approaches, many of us find ourselves thinking about gifts. While gifts can come in many forms, monetary gifts often cause the most confusion. In this episode of Financial Symmet...
Today I have a guest post from a long-time blog reader, Bill Hines. I’ve gotten to know him through exchanges in the comments and ensuing email conversations. Like me, Bill is an advice-only fin...
Welcome to this week’s edition of The Sunday Best, where we explore the nuances of determining a safe retirement spending ... Read more...
To make sure you're in control of retirement spending, rather than the other way around, allocate funds to just three purposes: income, protection and legacy....
Wrap up 2024 with these essential tasks, tax tips, and investment insights from a seasoned FAANG FIRE pro. Get ready for 2025 with smarter, more strategic finances....
I am deciding whether or not to convert. I will be working for at least 10 more years. By then my tax-deferred funds will be slightly over $2 million. I want to convert at least $250k over a 5 year ti...
Corporate bonds are a cornerstone of many investment portfolios, valued for their ability to generate steady income and offer moderate risk. Whether you are diversifying your investments or seeking a ...
This post focuses primarily on the implications of assuming, or planning, to live longer than one’s life expectancy. For the purpose of this post, we are going to assume that when you are asked ...
Are there many retirees that are concerned about buying health care on the ACA , if the subsidies expire at the end of 2025? What will happen to people with pre-existing conditions? How will retired p...
My wife and I (61 & 58) have several retirement accounts: Trad 401(k), Trad IRAs, Roth IRA, I-Bonds, and taxable brokerage. We will both have pretty good SS income as well. Planning to retire in 2...
Medicare regulators want beneficiaries to be told explicitly about some potential risks of signing up for Medicare Advantage plans instead of original Medicare....
The relationship between money and happiness is complicated, but the experts agree on these three eye-opening fundamentals....
Chrisis a mid-thirties small business owner that has operated multiple online endeavors. He built most of his wealth through a ... Read more...
Staggered retirement is increasingly common, but it can create financial and emotional challenges....
So what is done is done - Passage of HR 82 happened last nite in the Senate. But now we need more money to come into the Social Security Trust Fund ASAP to help make up for this $ 200 Billion being pa...
Though Social Security was designed to provide a safety net of about 40% of a retiree's customary income needs, there are millions of people for whom SS is at least 75% of their income. I'm not talkin...
I only recently learned of the Qualified Charitable Distribution (QCD) and am not an expert in the field. This is my understanding. If you already use this tool or have other thoughts, I'd appreciate ...
I am 60 (F) and I have lived and worked in Canada all my life. I have been fortunate to work for two places where I could build/accumulate company pensions. I also have a small locked-in retirement ac...
Instead of making New Year's resolutions, consider making some money moves that could help save you big bucks on your taxes....