Curated articles and podcasts from trusted financial experts and real retirees.
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You don't want to say “Oops” when it comes to your retirement plan! On this episode we discuss a number of important issues that have the potential to create real problems if not addressed...
The solo years are critical to retirement finances, yet few retirement plans provide for the important changes of that period....
The mainstream financial media’s portrayal of early retirement has always felt disingenuous, leading with “this 30-something retired” or some variation of that hook, then later highl...
Since I turn 71 soon, my attention is naturally becoming focussed on the inevitable question of what to do when my registered retirement savings plan (RRSP) must be collapsed. Do I keep it as a regist...
If you (or your financial advisor) aren’t planning for non-recurring expenses in retirement, you probably don’t have a realistic retirement plan. If you use a Strategic Withdrawal Approach...
HMMM, I WONDER "IF" THEIR INTENTION IS TO SCAM SENIORS? ? Are Social Security Beneficiaries Getting a Fourth Stimulus Check? NO, but websites and social media are spreading MISINFORMATION. By Andy Mar...
I am curious to learn from those who retired. I am almost there or even there from a financial perspective. But I am finding myself delaying citing the following reasons I don't hate my job- it is tol...
Have any of you retired to the EU in your retirement? Are you splitting your time between the USA and the EU or are you retired to the EU 100% of the time? How is that going for you overall? Was it wh...
Hi, I plan to retire in 1-4 years but more than likely towards the higher end with my Son just starting college. His expenses are covered in a 529 but ya never know…and I like (on most days) my...
Hello, I am a US citizen and eligible for social security. I am presently in US, but planning to move to India for extended duration. I have following questions: Will I get social security while I am ...
Life is full of surprises. That fact doesn’t change in retirement. Today, we will look at some common retirement surprises, based on a fascinating study I just read and felt was worthy of sharin...
If I change my bank account for direct deposit, when will it happen?...
IBM is known for being a leader and changemaker in retirement funding. Is IBM reversing the decades-long trend of corporates moving from traditional DB pension plans?...
After receiving significant criticism for my post, Embrace Living Paycheck-To-Paycheck To One Day Be Free, I find myself contemplating the existence of a net worth level that brings about serenity and...
When planning for your retirement, there are a variety of things to consider in addition to how much you might ... Read more...
If adopted, Initiative 2124 would make participation in the Washington Cares program voluntary, effectively killing it....
Hi, my husband is retiring in 3 years at age 61. We have the funds we need, we have a lifelong pension with joint survivor benefits, and we don't carry any debt (homes and cars are paid for and childr...
This blog usually focuses on the financial side of retirement. But if you’re not preparing emotionally and socially – and many boomers aren’t – retirement will be a bumpy ride....
Check out Jeremy’s latest podcast on retirement planning by listening on “Apple Podcasts” or “Spotify Podcasts” or read below for The Health Tests You Need in Your 40s, 5...
I recently read thisNew York Magazine article written by Reeves Wiedman (his name will be relevant in a moment) on hedge fund manager Bill Ackman. The article discusses Ackman's life and his recent cr...
To follow the 100-minus-your-age rule, retirees deduct their current age from 100 to achieve a balance of stocks and bonds in their retirement portfolio....
I am 68 years old and have delayed taking Social Security. Spouse is 64. She doesn't qualify for benefits, so she would be receiving a portion of mine when I pass. Would there be any difference in her...
We can’t say we’re surprised. AI tools can make tedious, time-consuming, and even challenging tasks quick, simple, and painless. With that in mind, you might be wondering how you can lever...
Financial advisors who help us manage wealth may not be fully informed about financial elder abuse. They need to know how to spot the red flags. Our checklist can assist....
A recent law allows tax-free rollovers from 529 plans to Roth IRAs, but there are hurdles to be cleared....
2024 is shaping up to be another tough year for workers in the United States. Last year, tech companies laid off thousands of workers. This year, the layoffs are spreading to other sectors. UPS, Amazo...
ANYONE HAS ONE? ? I DON'T! ? 5 questions to ask if your workplace offers an after-tax retirement savings plan. By Tamara E. Holmes. Published February 20, 2024. https://www.aarp.org/retirement/plannin...
With the S&P creeping up over 5,000, it may be time for retirees to look into decreasing their investments in risky assets, especially if their Floor Portfolio of non-risky assets/investments does...
I read recently several investors claiming their portfolio returns are north of 15% and I’m wondering how they’re accomplishing that. I’m guessing they’re not retired yet so th...
Guess what time it is? Reader case time! Hi! We are a same sex married couple currently in the US (S is in her mid 40s working here on 10 yr employer sponsored visa and T is in her 50s). We stumbled o...
As taxpayers, many of us have faced difficulties in dealing with the IRS – and it can be a daunting position to be in. One way to deal with these issues is to hire a CPA or Enrolled Agent to hel...
Just looking for opinions from this wise Reddit group. Prior to retiring, of the three things listed below, which would you say we definitely should get done? Upgrade VERY dated kitchen OR Buy a new c...
I was hoping to get some advice from folks who have done this. My wife and I currently live in Seattle. We have lived here 30 years but it getting too expensive. At 62 I still have a mortgage to pay o...
In a world of divisive politics, crises, and conflicts, the desire to escape to a safe haven is an understandable one. Here are my recommendations......
OK, here's a wierd one. I'm a healthy 63 want to retire at 65 but have this impending sense of Doom. Like I will die before I get to retirement. Financially I'm OK so I'm not worried about that but I'...
Endless investment debates often leave out the most important factor—the investor!...
A long box spread trade earns a little more than buying Treasuries or CDs. A short box spread trade gives you a loan at a good rate. If you trade box spreads, whether long or short, you’ll have ...
The Sunday Bestis a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. ... Read more...
If you are at the exciting point in your life where retirement is a mere five years away, you may ... Read more...
I retired at 60 and have been living on savings for a couple of years. Late last year I reached 62 and started receiving my SS benefits. So I'm not worried about paying taxes on my annual income for 2...
I (61f) haven't worked in over a year. I worked in human services my whole career, and when they closed my program in November 2022, I didn't seek a new job. Now my wife (64f) is retiring in June, and...
If you are counting on a terrific stock market to fund your retirement, look closely at a number called earnings yield....
Every once in a while, you come across someone amazing. Kim Ehardt is one of those people. Her life has been a wild adventure; from living on couches to becoming a firefighter who owns rental properti...
We need to get our Congress Representatives to support the 'You earned it you keep it' bill. This allows for raising the cap on the taxable earnings and stopping the federal taxes on SSN. This would k...
But there are caveats to moving the money into Roth I.R.A.s, and the government still has to issue guidelines about the option....
If you’re in search of extra cash, you’re in the right place. Here are five of our favorite ways to earn and save that could put more than $5,000 back in your pocket. 1. Earn $1.50 Per Day...
Hi folks, 63 years old (turning 64 in July), single and just got reorganized out of my job. TBH I'm tired of working, so in spite of not having a lot of assets, I'm seriously considering retiring--tho...
Living paycheck-to-paycheck is one of the most unpleasant financial experiences. Not only does it mean needing to spend everything you have to make ends meet, it also creates an ongoing feeling of des...
I just contributed $7,500 to traditional non deductible IRA for 2023 year with a plan of converting to Roth when the account is funded in a few days. I have work 401k balances that upon leaving my emp...
I am a little over three years away from retirement. I feel like I don't have much energy left after a day of work. My job is not physically demanding, but it is stressful. I feel like it is too close...