Curated articles and podcasts from trusted financial experts and real retirees.
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Retiring early is one of the most common goals I see from our generation. It's an awesome idea to want to be work optional at an early age, but it also...
I love the idea of convergence — those rare times when multiple stories about very different issues seem to all land on the same “Grand Truth,” albeit from very different perspectives. Yester...
The tax-now Roth IRA will increase in popularity over the coming years. Let me explain why. When Congress passed the Tax Cut and Jobs Act (TJCA) of 2017, it inaugurated an eight-year period of the low...
Biden’s package, which the White House previewed yesterday, combines cost savings with tax increases....
New research from Vanguard details how a retire-and-relocate strategy can add to your savings, but it’s not a strategy that works for everyone....
Okay, so this may seem like a silly question, but consider me completely uninformed regarding retirement and cash flow. I will provide a little bit of my situation for context. I am 52 and married. Th...
Based on prior input of deferring income … https://www.reddit.com/r/retirement/comments/11hxw3b/deferring_job_income/?utm_source=share&utm_medium=ios_app&utm_name=iossmf Looking at ~$12...
Long story short: my grandparents own the house next door to them and they’re in the process of selling it. They don’t have a financial planner and refuse to get one so they’re looki...
I'll start Low 50's DINK's Wife and I have been employed since high school. Once I'm done, I have zero desire to work ever again. ​ I have 22 years with current company and my wife has 10. No ki...
After doing research on the difference in returns of ESG funds/ETFs looking to DIY asset allocation. Previously using Vanguard to hold $$$$s but they are being pushed further and further into ESG. I j...
Are you interested in learning about the secret to perfect happiness? The answer is to make over $500,000 a year, a top one percent income. In an amazing Gallup poll highlighted by the Wall Street Jou...
Decisions you make between ages 60 and 70 are just as life changing as the critical decisions you likely made between ages 20 and 30....
Do you benefit more or less from increasing the retirement age? There are definitely plusses and minuses. Which side of the ledger is greater for you?...
Can someone tell me what the limit is for being able to contribute to a Roth IRA? I’m not sure if I make too much or what the limits and rules are. Thanks for your help! submitted by /u/RedStar-...
From age 62 to 79, I will get $393,720 from Social Security. If I wait until I am 70, it will take me 9.65 years to earn $393,720. That is a long time before I start losing money. It will be basically...
submitted by /u/giantrons[visit reddit] [comments]...
From one (low) to ten (high), how important is this community as part of your daily social activities? What's your favorite aspect of it? submitted by /u/Scott-A-Gese[visit reddit] [comments]...
Retirees should secure themselves first, and if you’re all set there, then consider a few other things, such as the impact on the kids and tax issues....
In 2023, I made my eleventh pair of “backdoor Roth” IRA contributions. It’s a great way for high-income professionals to ... Read more...
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) The cost of higher returns One advantage stock investors have over fixed income investors is higher returns over a long period of time. B...
By Dr. James M. Dahle, WCI Founder Given how much of my portfolio (85%) is invested in publicly traded traditional mutual funds and exchange traded funds (ETFs), we spend way too little time around he...
Along with crocus and pussy willows signs of spring include more home buyers. Consequently, as a seller I’m preparing to put my house on the market. I can’t afford to build the new house w...
The average student will spend 12-16 years going to school, yet leave without the basic skills needed to manage their money. This massive amount of time spent at school can further be broken down into...
For many people in their early careers, saving for retirement is low on the list of priorities. By starting early, people in their 20s and 30s can create a more comfortable future for themselves....
Should you take the current debate seriously? Or should you just accept Social Security won’t be around when you need it?...
If you're looking to build wealth and financial stability, diversifying your streams of income can be a powerful strategy. By generating multiple sources of revenue, you can reduce your reliance on an...
It’s not unusual for Black and Latino children to live with their grandparents, who are either the primary caregivers or members of a multigenerational family. And just as the grandparent is int...
I stay off of extension ladders and I no longer clean our gutters (two story house). submitted by /u/Scott-A-Gese[visit reddit] [comments]...
Or is there a better subreddit? Thanks! submitted by /u/iamsoouttahere[visit reddit] [comments]...
Written on a for dummies level submitted by /u/Huge_Prompt_2056[visit reddit] [comments]...
Thanks everyone for all the resources provided! Editing post down for privacy reasons, everything ends up on tiktok these days. submitted by /u/browsielurker[visit reddit] [comments]...
I finally clearly understand why I haven’t been able to shake some of the stress I’ve been feeling lately. Despite writing less, doing less business deals, and exercising more, I still fee...
Photo credit: jb We have discussed in the past that it is usually better to rollover an old 401(k) plan from a former employer to an IRA – more flexibility in investments, (usually) lower costs,...
Some say it'd take "a miracle" to pull off....
You, on the other hand, probably have to pay Social Security taxes all year long....
Whether you need time to rebuild your nest egg, or you want to ease into full retirement, some financial planning can make the transition a smooth one....
Long term readers of this blog know that ever since we quit our jobs to travel the world in 2015, we’ve been playing this game we like to call “Schengen Bingo”. For those that don&rs...
When it comes to managing our personal finances, many of us struggle to keep track of our income, expenses, and savings. But with the rise of artificial intelligence (AI), managing our finances has be...
As a retired actuary who advocates the use of basic actuarial principles and processes to help retirees and near retirees make better financial decisions, I frequently wonder why my profession is so r...
When I asked for ideas for subjects you would like me to tackle, you offered enough to keep me busy for the rest of the year! I genuinely appreciate the input and will be attempting to address all of ...
Retired late last year, and just received my final bonus payout that amounted to roughly $50k. Without these funds I would have started drawing about $5k a month from my IRAs in the next month or two....
We are already on Medicare A & B. As we have not started SS yet, I pay the premiums directly on a quarterly basis. My understanding is once SS starts, the premiums will be taken from our monthly c...
I've been super worried about my dad's plan to invest his IRA in gold, like pretty concerned about it. I understand that gold is seen as a safe investment, but I'm worried about the risks and I know H...
I funded my Roth IRA for 2022 back in January 2022. Can I take that money out? And then add it to my traditional IRA? How does Vanguard know that I'm taking the money out for 2022 so that I can put th...
After a decade of retirement when we watched our net worth grow steadily, we began to indulge in the luxury of ignoring our monthly expenses. But the double-digit market decline last year coupled with...
March 7, 2023 — It is the rare person who strikes out on the unbeaten path, and that includes their route to retirement. Usually we prefer to follow a track made by someone else, learning from t...
Hello. I'm buying CDs and the rates through my brokerage account are higher than my bank. Am I giving anything up for these higher rates? Is there a disadvantage for the brokerage CDs? Both are insure...
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March 7, 2023 — It is the rare person who strikes out on the unbeaten path, and that includes the route to retirement. Usually we prefer to follow a track made by someone else, learning from the...