Curated articles and podcasts from trusted financial experts and real retirees.
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This can happen whether you have a stand-alone Part D drug plan or a Medicare Advantage plan that includes drug coverage....
In the prior week’s we’ve been talking all about budgeting and managing cash flow. This is difficult enough with a fixed regular income. This week, we’re going to address those of yo...
Your estate planning documents, account titles, beneficiary designations, insurance and advisers must all be coordinated for your estate plan to work....
There’s a misconception that exploring the world on your own, whether as a tourist or expat, is uncommon for older single women. Here's why that isn't the case....
The second home is supposed to be a place of respite, a happy place, so why interrupt that solitude with death and taxes....
Halloween has been my favorite holiday since I was old enough to trick-or-treat. But none has been as special as this October 31, 2023. This is the Halloween that launched… Pathfinders has been...
FZROX (Fidelity Zero Total Market Index) and FSKAX ( Fidelity Total Market Index Fund) are two Fidelity mutual funds that ... Read more...
I’m not retired yet but probably within the next year. I just bought a small 110 cc cycle for cruising around town and i love the thing. I’m in my sixties and it’s my first cycle eve...
Have you ever wondered if purchasing an annuity makes sense for you? There are two conflicting opinions from financial advisors: some advocate for annuities while others advise against them. James exp...
Equifax, Experian and TransUnion, the 3 credit reporting agencies, now make reports available for free. You do not get a credit score, but the info is revealing....
One of the things I've tried to work on since middle school is being less judgmental about others. To function efficiently in society, I often have default assumptions about people which can sometimes...
Just over 3 months ago, I made a post called Pre-Retirement Senioritis, and I felt pretty badly about not getting certain tasks done, spending large chunks of my day planning for retirement. Many of y...
Found the perfect for us small (2 bedroom/2 bath) retirement home (rural) and bought it on the equity of our as yet still unsold Urban 4 bd-rm/3 bath and moved. Old house has been on the market now fo...
In 1938, President Franklin D. Roosevelt signed the Fair Labor Standards Act establishing the federal minimum wage. Yet Section 14(c) of the act allowed employers to pay people with disabilities less ...
I've seen two groups of retirees who go to the same location on the same day of the week to hang out. One goes to a local watering hole and one brings lawn chairs to a park and circle up. I was invite...
By Adrian Cavender, Guest Writer The name of the game may be changing, but the goal remains the same for those of us with student loans: pay off as much debt as quickly as possible while spending as l...
Arguing that we need to delay withdrawals to 75 as a work incentive doesn’t hold water. In a recent meeting I attended, participants were bemoaning the fact that people are reluctant to withdraw...
The Orthodox Jewish community has its own unique list of pressures that influence people’s decisions around both retirement and investing....
Across the financial landscape, virtually all attention is paid to attaining and sustaining wealth. What about activating it for a better life?...
Saddleback College, a community college in South Orange County, California, offers an educational emeritus program for people over the age of 55 in our area. Free emeritus classes are offered on their...
One of the life-changing blogs that got us on this FIRE path is JL Collins’s blog. This is why we call him the “Godfather of FI” and he has also written a book called “the Simp...
Getting to the top 1% net worth by age is a very impressive goal. But how much money do you need to get there? Overall, to have a top 1% net worth in 2023 requires having at least $13 million accordin...
The second home is supposed to be a place of respite, a happy place, so why interrupt that solitude with death and taxes....
Skip the administrative hassle of applying for a visa and stay for up to a year as a tourist in these countries....
Following numerous posts here and on AskReddit. Curious about your ideas/thoughts of retirement, and if your retired, is it all it's cracked up to be? Or more, or less? I've posted numerous times, tha...
I just read at article that cited a T Rowe Price survey which found that half of those surveyed reported that their annual spending increased by up to 25% after retiring. This was surprising because c...
The Sunday Bestis a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. ... Read more...
There’s so much we can overlook with retirement plans. Here at Financial Symmetry, we are constantly finding ways to help you be aware of retirement opportunities and rules and improve your weal...
Hey Everyone! I’m back from a brief vacation. We went to Washington DC for a family reunion with my brothers and their families. It was great to see them. Unfortunately, I got sick 2 days after ...
For countless retirees, the greatest challenge isn't saving money, but spending it. After years of diligent saving, the transition to drawing down those hard-earned funds can be fraught with anxiety a...
This month we start with an article that provides a framework for thinking about optimizing retirement income. Then we’ll explore timely strategies that can be applied to this framework. I explo...
If you're in your early 60s, examine your financial picture before retiring early....
Can’t afford a 401(k)? Don’t make that decision before you check your W-4 withholding, especially if you get a tax refund....
Recently I was speaking with another parent about financial advice we gave our children. So when I read about this poll at a popular blog , the retirement manifesto , https://www.theretirementmanifest...
I often wonder around in a robe and sandals, sometimes as late as 2:000PM. I rarely get dressed as soon after I wake up. The main reason I get dressed is my wife works and when she comes home I don't ...
SEP IRA and SIMPLE IRA are two popular employer-sponsored retirement plans for small business owners and self-employed individuals. Both of ... Read more...
As parents, we’ve all encountered the seemingly inexhaustible supply of toys, gadgets, and general kid stuff that seems to multiply in our homes. If you’re anything like me, you’ve p...
By Dr. Jim Dahle, WCI Founder I run into a surprising amount of negativity about 401(k)s. A small amount of it is people appropriately reacting to bad 401(k)s, the latest way for employers to get sued...
The intergenerational-conflict myth is weaponized to cut Social Security and Medicare and make people work longer. The intergenerational – conflict myth intones that politicians who cut spending...
When is the best time to buy a house? As a real estate investor for over 20 years, I have bought houses through many cycles. I bought houses when interest rates were in the 7s in the early 2000s. I bo...
I’m a seasoned real estate veteran with over 20 years of experience and a Chartered Financial Analyst (CFA). Throughout my career, I’ve always found assumable mortgages intriguing, yet the...
Real estate is a wonderful investment for many reasons. One of the best reasons is leverage and the ability to buy with no money down. You can buy as asset with other people’s money and have oth...
So many people assume they need a real estate agent. But have you ever thought, “Do I need a real estate agent to buy a house?” The short answer to that question is “no.” While...
Should you hire a rental property management company to manage your rental house? No, in most cases you did not need to. When I started buying houses in my early 20s, I was adamant that my real estate...
This was originally written in Sept 2021, it has since been updated as we’ve learned and experienced more. The main thing we’ve learned as our kids have aged? The strategies in this post w...
You’re a new landlord, or thinking about becoming one. How do you maintain a rental property? Look, I am not handy. Even if I was handy, fixing things was not part of my business model. I was co...
Welcome to Dad is Fire. Usually, the about me section of a blog is to tell you who I am and to talk about myself. This blog isn’t so much about who I am, as it is what I am. So what am I? I am s...
You’ve decided you want to be a landlord. Great! Now, how do you decide what rent to charge? Determine market value The easiest way to determine what rent to charge is to observe the market. Loo...
I am a married, retired man. Our gym has exercise classes. Yoga. Zumba. Aerobics, stretching, etc. At my senior center the vast majority of attendees are women. Most of them seem reluctant to talk to ...
Please teach your kid personal finance. The school system barely does. I have not dissected anything since high school. I have not used calculus. Trigonometry and Geometry have added no value to anyth...