Curated articles and podcasts from trusted financial experts and real retirees.
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Abstract This paper examines high-frequency patterns that occur in the experiences with, behaviors during, and attitudes toward COVID-19 among people with disabilities since the pandemic began. It als...
I took this 5 Minute "financial virtues" survey and found out I am a "Blue Bull" investor. Some pretty detailed insights into my motivators, unconscious needs, Communication style and decision making ...
This post is a follow-up to our post of April 16, 2023. In that post, we said, “In our ‘real world,’ lots of things can happen in the future that can affect the ratio of household as...
I’m working retail, and I was worried that shifts would overly get in the way of other things I like to do, like my weekly dinner with a group of friends, volunteer work, church services, workou...
Older people have a great ability to adapt and cope. Much of the work we do suggests that people are not saving enough for retirement. More specifically, since 2006 we have published our National Reti...
Thebrief’skey findings are: Grandparents raising grandchildren are often under financial stress but – without legal custody – tend to get little formal support. Importantly, Social S...
“The average millionaire has 7 streams of income.” Let’s face it, we’ve all heard this quote a million times. And, while I believe this is well-intentioned advice, it’s n...
Last week we discussed how to understand your monthly budget, your cash flow, and how to automate your savings. We started out with what is usually considered to be the most boring part of managing yo...
You’ve worked hard for your money, and now you’re ready to flip the script. How would you like your money ... Read more...
During the working and saving years, there are various rules of thumb about how to apportion earned income. For example, there is a 50/30/20 rule that breaks things up into percentages of Needs, Wants...
If you're in a high tax bracket now and expect to remain in a high tax bracket after retirement, should you prioritize pre-tax retirement accounts or Roth retirement accounts for individuals? James an...
If you're in a high tax bracket now and expect to remain in a high tax bracket after retirement, should you prioritize pre-tax retirement accounts or Roth retirement accounts for individuals? James an...
There are many instances where you may be in a position to either make or receive a lump-sum payment. Often, you are given the option to choose a lump sum over another payment method. But what exactly...
I was recently interviewed by Jonathan DeYoe on the Mindful Money Podcast. He closed the interview by asking me, “What was the last thing you’ve changed your mind about?” After my re...
I had no plans to go for a walk today. Lisa and Faith were gone and that’s usually when I focus on getting things done. Sometimes I’ll work on projects around home (which is the RV right n...
Every year for 24 years straight, the number of people receiving federal disability benefits increased, nearly tripling to around 9 million. In 2015, that trend suddenly reversed. The reversal is due ...
Retirement life with $1 million in savings could look pretty good, depending on how a number of factors play out....
First a bit of backstory. I’m still five years away from retiring. I set my goal at 65, and with an IRA and 401k currently sitting at 700k, I feel comfortable with my five year plan. Especially ...
Why does Becca in Florida’s advisor "poo-poo" her strategy for funding 529 plans for education? Keith, commenting on Spotify, wants to know about reimbursing yourself from a 529 plan for the sch...
This is Part 2 of a 3 part post. If you missed part 1 last week, check it out here. Can money buy happiness? It’s a great question! And it’s complicated… Investing Versus Spending I...
Hi everyone! What day is it? It’s reader case day! Today’s reader case has been dealt a bad hand health-wise, and can no longer work. A bad situation, to be sure, but can mathing shit up g...
A major factor in achieving your financial goals is being engaged with your finances and investments. This includes your 401(k). According to CNBC, though 401(k)s are the “most common retirement...
Do you have a traditional IRA or 401K? Have you considered converting your retirement accounts into a Roth, but aren’t clear about the advantages? Outlined below are the most important benefits ...
So you want to publish the next great book! To do so you first need a book proposal. Back in late 2011, I spent hours putting together a book proposal for my severance negotiation strategy book, How T...
I have to start taking RMD's next year. I am currently working part-time. I am thinking of stopping work Jan 1 or shortly thereafter. I have always handled my own taxes and finances, but I think it's ...
I’ve been retired for almost two years and I’m pretty content with my mix of activities during the day. Some active, some relaxed. Some purposeful, some for fun. Some social, some alone. S...
I understand that if I am on social security and under the full retirement age, then if I work and earn more than approximately $21,000 then for every 2 dollars earned they deduct a dollar. I was curi...
With a crunching sound, we slowly pull into the gravel parking lot. Once inside the clapboard building I make my way to a dining table for 4. “You can’t sit there” my Uncle says. &ld...
This is half-serious, but I wonder if anyone decided to retire rather than buy new clothes for work? I (66 M) work in higher education as professional staff, and my office dress isn't particularly for...
I am a widow, age 65. Initially when I visited the local SS office and presented all my paperwork, I was told that I could start collecting my SS benefit whenever I choose, and then when I turn 66+4 m...
With today's real yield, a TIPS ladder has become a compelling option for retirees. Here's how either a 30-year or 5-year TIPS ladder could help those in retirement....
This week I'm collaborating with *another* Tim Maurer, an international cybersecurity expert, bringing you suggestions to keep your money and identity safe....
Nomadic retirees open up about their finances and how they spend time and money on the go...
Affordability and expansive medical services were among the top reasons retirees are moving…...
Netherlands won the top retirement income system while Argentina placed last in the Mercer…...
A CRR at Boston College report looks at a previous survey that examines why Americans…...
The reestablished bill is now backed by large-scale institutions and tech corporations…...
PGIM’s David Blanchett explores key considerations for plan sponsors facing this important decision...
An analysis by As You Sow finds the Federal Thrift Savings Plan has invested over $35…...
Here’s the deal. My spouse turned 65 in July. He signed up for Part A same month. Still on my plan this year. He needs traditional Part B with a plan G Medigap and a Plan D, to start January 1st...
This is a really tough decision. I love my job and am well compensated. I love the people I work with. My work life balance is good, not great. That is mostly my doing because I get a lot of fulfillme...
The Sunday Bestis a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. ... Read more...
Marginal players fold. Newbies assail whales. Bet on the newbies....
Women pre-retirees and low net worth respondents are especially susceptible to feeling…...
iShares LifePath Target Date ETF Suite provides new way for Americans to save and prepare…...
While the 2024 COLA is far lower than last year’s 8.7% increase, it’s still higher than average thanks to stubborn inflation....
Physicians often have high incomes, which can make them ineligible to contribute to Roth IRAs directly. Luckily, there is another ... Read more...
What application or planning tools do you recommend? I want to explore my retirement timing and determine when I can enter this next phase in my life. I'm leaning against using an advisor, but think t...
For the most part I have stopped bogging because . . . well, because I've gone on to other things. I'm more involved in my local center for learning in retirement. I've taken up pickleball. I still pl...
It’s a widespread problem, not often in the spotlight: an elder who is dependent on drinking or drugs. Families have few choices to keep addicted loved ones safer....