Curated articles and podcasts from trusted financial experts and real retirees.
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Editor’s note: Bill has been kind enough to write for Topretirements on other topics in the past, including the fascinating tale of his “Cleaning Out a Cluttered Victorian”. This ins...
In this post, I start to unpack my net worth growth over the past fifteen years. Learn how I think of net worth and insights from my journey....
Former General Electric CEO Jack Welch once nearly died of a heart attack....
Data from the Federal Reserve shows that the average savings in the United States at retirement age is just $255,200. So if you find yourself with $400,000 in assets at retirement age, congratulations...
Hey folks, it's 2023! I hope everyone had a great time with friends and family over the holidays, and rang in the New Year in style! We had a very busy December. We were vacationing in Portugal duri...
Retiring early requires leaving behind skills and knowledge we've mastered, often to become a beginner in retirement at other things....
January 11, 2022 — Millions of American retirees follow the example of their avian friends – they head south to snowbird when winter temperatures cool. Not all of them fly of course, about...
In Howard Marks' latest memo to investors, he argues that markets are in the midst of a sea change similar to the sea change that occurred in the early 1980s when interest rates began their 40 year de...
By Tom Cretella – CLU at Cretella and Belowsky January 9, 2023 — Medicare’s Open Enrollment Period began January 1. Medicare has plenty of acronyms: AEP, SEP, IEP – but the lea...
January 8, 2023 — We got some great followup on our October article about the Shedders Movement. Shedders refers to guys (and gals) getting together in retirement to hang out and work on all kin...
It is crucially important for investors to understand the true, more complicated, nature of retirement. Learn more on calculating your retirement number here....
January 3, 2022 — As if the death and destruction that Hurricane Ian brought to Florida’s Gulf Coast wasn’t bad enough, it has created another looming problem for beleaguered propert...
With the dreadful investment year of 2022 behind us, we can now shift our focus to the future and how we can bounce back financially. Unfortunately, for many people, this means falling into the trap o...
January 3, 2023 – Tom Brady, QB of the Tampa Bay Buccaneers (or cousin Tom as we call him in our family), is 45.5 years old, having a pretty darn good season, with his team atop the NFC South st...
We hear people say all the time they are not counting on Social Security to be here when they retire. Will Social Security run out of money? Inquiring minds want to know! In this episode of Eggstack C...
I hate reading about Medicare. There are so many special cases and exceptions that it seems everything written about it gets so far into the weeds that you just can't follow. Continue reading...
Fidelity's retirement planning tool shows how much leeway you have and what moves the needle. It isn't designed to give year-by-year tactical guidance....
A retirement plan is all about your needs, financial expert Jacob Schroeder says, so you should plan to adjust as your life changes, as it inevitably will....
How the new retirement rules may impact you....
It's been a tough year for investors, with stocks down around 19% (both in the U.S. and abroad), U.S. bonds down 14%, and the cryptocurrency market down around 60%. Yet, despite the financial turmoil ...
December 27, 2022 — In many ways 2022 was better than 2021, and far superior to the pandemic ruined bust that was 2020. People finally got to take all of their postponed trips from years before,...
The cost of hiring a financial advisor depends on several factors, starting with the advisor’s fee structure. This article covers expectations and average costs....
December 20, 2022 –  There is a new crush of retirees coming to town, and they are not Baby Boomers. Generation X, those born from 1965 to 1980, are finally getting their turn in the retire...
A reverse mortgage seems like a good way for seniors to tap the equity in their home, but what about the fees? Join us as we examine reverse mortgage fees and other costs related to a home equity conv...
This week the SEC filed suit against eight financial influencers from Atlas Trading, an online stock picking community, for manipulating their social media followers into buying and selling stocks for...
When I was six years old my parents declared bankruptcy. Within a year they were divorced. They met while working at McDonald's as teenagers. He was a cook and she worked the drive-thru. Neither of th...
December 13, 2022 — Way back in 2011 our faithful correspondent Jay Michaels shared his adventures from visiting the most famous active adult and 55+ communities in the Williamsburg, VA area. Hi...
December 11, 2022 — One of the best pieces of advice we have heard is to think about downsizing in retirement. Finding a smaller, lower maintenance place to retire can unlock equity in your home...
One of the reasons I don’t write as often these days is that my life has gradually evolved into a Personal Finance Bubble.  The people around me have learned to be purposeful with their money, ...
Today I sat down with Charles Payne at Fox Business to discuss how much growth you can expect in your portfolio, why the stock market isn't the economy, and how to prepare yourself for the possibility...
Dec. 7, 2022 — For the people who see red when they think about paying taxes, the good news is that there are plenty of tax friendly states to retire in. There are enough choices that they can p...
With 2022 coming to a close, it’s time for my annual tradition of gathering my favorite investment writing of the year. I started this tradition in 2017, and have continued it ever since (2018, 2019...
Understand the difference between the two types of retirement plans available for public sector and non-profit workers....
Being let go from a job later in life can lead to financial disaster, but there are some things you can do to help lessen the damage....
December 4, 2022 — Folks who were born in 1950 face their first Required Minimum Distributions (RMDs) from their IRAs and 401(k) type plans. The SECURE Act of a few years ago fixed the age for R...
Hello, friends. Just a quick note to let you all know that my life, at last, seems to be settling. A full two months after the death of my mother, the fog has lifted and I find that I'm motivated to p...
Imagine I present to you a magical box that can turn your money into more money. The only problem is that you don't know exactly how much more money you'll get from this box. You could put $100 into t...
November 27, 2022 — Researchers at The John Hopkins Sex and Gender Clinic have a message for people over 50: “It’s not just for young people.” In an article at AARP, Kate ...
November 22, 2022 — So you’ve done your research and found the best town and state for your retirement – great! But before you pull that trigger, here is one last checklist to go ove...
In my six years of publishing blog posts every Tuesday, I've never had the pleasure of releasing a post on my birthday...until now. But, rather than write one of those stereotypical "33 lessons in 33 ...
Planning for retirement can be exciting and a bit overwhelming. Discover the seven factors you need to consider for determining when to retire....
I saw the early warning signs, but later excused them all. First there was the friend of a friend who made 10x his money trading crypto in 2021 and told me that he "only needed to make 8x this year" t...
November 16, 2022 — With people more and more willing to travel these days, some of those trips will be to explore active adult or 55+ communities as potential places to retire. We have just upd...
One of the most important topics in retirement is Medicare. Here is the lowdown on how it works and what it may cost you....
You may have dreamed of a tax-free retirement, but if you live in one of the states that tax social security, your benefits could take a hit....
Update June, 2023 – In another development, Governor DeSantis recently signed the much anticipated Surfside Glitch Bill, SB 154, into law. The bill relieves some of the ambiguity in SB 154. It a...
Retirement planning can be exciting, but for many, the actual savings part can feel overwhelming. Learn about the different types of retirement plans here....
Nov. 10, 2022- A disturbing statistic emerged in 2021. In that year 10.7% of America’s over 65 population lived in poverty, up from 9.5% in 2020. While that is a lot better than the third of eld...
Do the wealthy invest differently from everybody else? And, if so, what can we learn from them? A month ago Bank of America released their 2022 Private Bank Study of Wealthy Americans, which attempted...
November 9, 2022 — Even though the Sunshine State typically adds 900 new residents every day, it still has plenty of detractors. You have probably run into many of them, often at a party where p...