Curated articles and podcasts from trusted financial experts and real retirees.
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Most people would agree that the road to retirement is a long journey. On this episode, we explore this journey utilizing the analogy of mountain climbing. Professional mountain climbers understand cl...
Have you ever been swept up in the wave of unanimous praise for something, only to later discover that nearly ... Read more...
The wealthtech firm joins forces with Empower to launch a new 401(k) solution for advisors called Envestnet Retire Complete....
What are the pros and cons of retiring early vs. retiring late? How should you decide when you should retire?...
True self-directed IRAs have potential pitfalls other IRAs don't have....
Noob here- sorry if this is addressed elsewhere, and if so, please send links! But having recently retired, I’m curious what your strategy is for charitable giving (for those here who can afford...
The last time we changed the default assumptions in our Actuarial Financial Planner (AFP) models was May of last year. Because interest rates on government-issued securities have increased significant...
We have lived part time in an active adult community in So Cal desert and wanted to list some of the pros and cons. We are in our mid 60s and haved lived there part time for 1 1/2 years Pros - Value -...
I tell friends Life is Like A Football Game You get 4 qtrs of 15 years each that you should be able to count on QTR1 (1st 15 yrs) = Just getting starteed seeing what life is all about and what your co...
If you have a mortgage, having ample life insurance coverage is critical for protecting your family and home. But there is more than one way to purchase life insurance that protects what is likely you...
Most of us enjoy hearing inspirational stories. It’s even more rewarding when you get to play a small role. Today’s article is a combination of both. This one is special. A real-life case ...
I was recently reminded that I am truly living the life I used to envy. A lifestyle I longed for way back when I was a struggling rat racer. There was also a reminder that what is considered a desired...
Single mothers receive three-fourths of the tax refunds the IRS pays out every year through the Earned Income Tax Credit (EITC) for low-income workers. The EITC’s big plus is that it’s ful...
Asset allocation and rebalancing are important concepts for your retirement portfolio. Here are some best practices....
SPY and SPX are two symbols linked to the S&P 500 Index. SPY is “the original” S&P 500 Index, offered ... Read more...
Check out Jeremy’s latest podcast on retirement planning by listening on “Apple Podcasts” or “Google Podcasts” or read below for How to Secure the Right Path to Your Reti...
Retirement is often seen as a well-deserved break from the daily grind, a time to relax, travel, and enjoy the fruits of your labor. However, for many retirees, financial concerns can cast a shadow ov...
Welcome to the 192nd episode of The Free Retiree Show, hosted by wealth manager Lee Michael Murphy and interview coach Sergio Patterson. In this episode, we delve into the intricate subject of “...
Here is the link to the US Federal Reserve's survey on consumer finance (1989-2022). Interesting data, give it a spin to see what the surveyed families have for their net worth, retirement accounts, e...
So, I've been retired for 10 years now and had forgotten how horrible it is to get up, shower, shave and be out the door at 7am. Once again I have convinced myself that even contemplating part-time wo...
I have vested in a monthly pension through TCDRS (Texas County and District Retirement System). In 9 years I will be age 60 and old enough to draw on it, $3137 monthly for my life. BUT, if I wait 7 ye...
Hi All :). Ohio - 64/f (single, live alone); SS draw of $1,100mo, on Medicaid. Considering selling house with profit of 225-250k. Should I buy another house outright with full amount to not have house...
None of these three models will fix the real problem. But by better using the staff they have, these facilities may be able to improve the care they provide for their residents....
Do you make a habit of doing puzzles or crosswords each day to keep your brain active? If so, I'm curious to know which types of puzzles you find enjoyable and how they contribute to keeping your mind...
Last week I wrote about 21 end of year tax planning moves W2 income earners can make. So of course I have to follow that up with a similar post for business owners. Let’s walk through 23 impactf...
If you are curious how attorney Mike Ketchmark and his team were able to win a landmark $1.8 billion class-action lawsuit on price fixing against the National Association of Realtors, Keller Williams,...
If you have cash on hand at retirement, a multi-year Roth conversion strategy is worth considering depending on your asset mix and other factors....
Intriguing question with an age - old answer. Can seniors take in boarders to get some extra cash?...
I'm hoping to call it quits in just over a year. This next year is going to be spent planning so that I'm ready for the big day. I know HR isn't always in your corner and I know that I don't have to g...
Am enjoying this group... Seems like a lot of people in here are very helpful and very knowledgeable. My question is this, where do I go to get accurate? Timely research on retiring? I am 62 and think...
About me: Retired since 2017, 67 years old, single, child-free, no family nearby. I presently live in an affluent Coastal California mid-size city. My townhome is fully paid. I live a peaceful life, e...
I want to acknowlege that this may sound self-indulgent and annoy anyone who is struggling right now. I am not and I am thankful, even though maybe going through a rough patch today. The gift of time ...
In the past on this forum I asked for ideas on where to move. A couple of my thoughts were Texas, Florida or Alabama. Well, my wife and I did move. Across town less than a mile away. (There's no place...
Hello I moved from Texas where we had a estate plan done by professional board certified estate planning attorney. However now we are in a different state Oregon that has estate tax and so I went to o...
Learn about what you'll receive when you step into military retirement....
If you have different retirement accounts at various brokerage firms, you may wonder whether you should consolidate them. One listener asked me that very question today. I’ll answer it along wit...
Episode 431: In yesterday’s session the Market had an impressive breakout, in all aspects. Price, volume and breadth were all superior. We’ll see if it holds. I’m skeptical of the fo...
No one wants to come across as Scrooge during the holidays, but without managing holiday gift expectations, many people wind up saying, “Bah Humbug!” When we fail to manage holiday gift ex...
Be clear about how retirement will improve your life. It will help you better plan for a fulfilling life in retirement....
As my retirement approached in 2021, my wife and I collaborated closely with our financial advisor to determine our streams ... Read more...
If you’re looking for a credit card that earns travel rewards, there are plenty to choose from in Canada. Aeroplan credit cards allow you to earn points for Air Canada flights, and the RBC WestJ...
The prior week we introduced some basic tax concepts that everyone should know. This week, we are going to continue to build on that foundation by discussing the different types of retirement accounts...
The first place most people say they would go for information about Social Security’s various benefits is family and friends. That’s true whether they are Black, White, Asian, or Hispanic....
Taxes can be one of the biggest bills facing retirees. Maximizing your tax free retirement income can greatly reduce you odds of running out of money as you age....
The Corporate Transparency Act requires owners and control persons of 32 million entities to file with the government. This is especially tough trusts own entities....
The experts typically say that you’re better off waiting. But that isn’t always the case....
James walks through a framework of how you ensure that your legacy goals include more than just leaving a chunk of money to your kids when you're gone. He explains the key concepts that can help your ...
I'm not sure if you remember a poll that I put up about four weeks ago . The top request was for members of this sub to discuss about life after retirement (179 votes). The category is very broad. Thu...
I'm looking for any experiences from folks who retired close to the time that their kids were in or had just graduated from college. I have one who is a freshman and another who will start in a year; ...
Steve & Sharon in Minnesota are high earners - can they get more money into their Roth IRA without paying more tax? Should Fred in western New York do Roth conversions before required minimum dist...