Curated articles and podcasts from trusted financial experts and real retirees.
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Following the footsteps of others can give you a clearer path to your own retirement. Here are some challenges currently facing today’s retirees....
I’m 60, SF, no kids and starting to seriously think about my next steps. I have a good job (85k) and benies and ~$500k in my 401k. Only have ~ $2k in savings and owe $5k on CC. Car will be pd in...
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Hi. We are both in our mid fifties and live in Los Angeles. If I were to die tomorrow, a distinct possibility, could she make 300K last the rest of her life? She’s on permanent disability and re...
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Bear markets and bank runs aren’t good for most people. But let’s try to look at the upside if the Fed destroys the middle class, shall we? Thinking in extremes provides clarity to help ma...
New to investing and recently opened a roth ira. Im wondering if this would be a good portfolio: 55% FXAIX 30% FTEC 10% FSGGX 5% FXNAX I'm 21 so I don't mind being aggressive, but wanted to know if th...
I’m just coming up on year one at my newish job. Decent pay (70k but a raise is in the works in the next two months that is negotiable). I’m currently 30M. Currently have about 15k in Roth...
News came last Friday that Silicon Valley Bank was taken over by the FDIC after it had a bank run. Silicon Valley Bank was the 16th largest bank in the country with over $200 billion in assets. Such a...
In the age of blogging, vlogging, podcasts, and TikTok, bite-sized personal finance instruction is abundant. But is that helpful or hurtful?...
By Josh Katzowitz, WCI Content Director Now that the giant stage and video screens in Phoenix have been broken down and now that everything else from the Physician Wellness and Financial Literacy Conf...
I am wondering about living on dividends and social security in retirement, and how this solves certain problems raised by sequence of return risk and owning bonds, both in the years before retirement...
SLAT, DAPT, SPAT - Demystifying the Trust Alphabet Soup including the latest moniker "Back Door SLAT" to help you really plan....
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She bought a typical suburban home in Texas and paid $3.33 in state and county property taxes. Times have certainly changed since 1960. submitted by /u/Wizzmer[visit reddit] [comments]...
The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading ... Read more...
Some of us are naturally drawn to optimizing things. Can your retirement date be one of those things? There are ... Read more...
I have entirely too many. How many of you cancel then resubscribe for planned binging? I’m thinking I need to start doing this. submitted by /u/Huge_Prompt_2056[visit reddit] [comments]...
For example, if your portfolio earned 12% one year, do you stand by the 4% rule and leave the rest to keep working? submitted by /u/Americantruther2023[visit reddit] [comments]...
Since Portugal's Golden Visa has come to an end, I was thinking of retiring there instead. My question is it possible to buy residential real estate using my retirement fund (e.g., 401k, IRA, etc.)? W...
In retirement, each source of income has its own set of tax rules. You may need to set up withholding and quarterly payments. Here are the tax rules that apply....
Friday night is our witching hour, beginning with craft cocktails with freshly squeezed grapefruit juice, Japanese plum wine, Sake, and tequila. The drink, O-REN Ishii, is named after the female assas...
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Although I do several things, the single most important one to me is healthy eating choices. It's true you need good nutritious food to keep your body fit, but the nutrition you gain from good food al...
The previous post Opt Out of Underpayment Penalty in TurboTax covered how TurboTax calculates an underpayment penalty that the IRS may not actually assess. You have to take an extra step to decline th...
In this article, we answer: $60,000 A Year Is How Much An Hour? In today’s economy, it’s not uncommon for people to wonder how much their salary equates to in hourly pay. Knowing your hour...
The labor market is still going strong overall, but communities of color still struggle with higher and, in some instances, worsening unemployment. Further economic pain can quickly spread amid politi...
Early in retirement is when you are most likely to have the three necessary elements going for you at the same time — money, health and time....
Im hoping to get some clarity on deciding. The usual advice i see is if you think youll be in higher tax bracket in retirement then go roth, if same tax bracket it doesn't matter and if lower tax brac...
I have made an informal study of my widowed mother in law (funeral was yesterday - she was 93) and my own parents (dad and mom/ 88 - dad died last October) and compare their retirement years for my ow...
My understanding is I can earn up to $21,240 this year without any impact on my SS benefits. Is this true or did I miss something? submitted by /u/mrcanard[visit reddit] [comments]...
Hi everyone. I have approximately 53k in student loans that I want to pay off. It’s like a black cloud over me. My company contributes 10% of my pay to my 403b~ $176 per paycheck while I contrib...
I'm 33 years old and just recently started saving for retirement. Maxed out my Roth IRA last year( put it all into VOO on vanguard) and will max it out again this year, but I have no 401k at my job an...
I wrote this tounge in cheek essay for an ezine around 2005 or so. Enjoy! Knowledge is irrelevant to the mystic. The true mystic strives for something greater than knowledge. Knowledge is but the logi...
[Editor's Note: The vast majority of the world’s millionaires have created wealth by investing in real estate. The White Coat Investor wants to show you how that’s possible for you. That&r...
If you want to lower your taxes, it’s important to have more than a vague understanding of how our tax ... Read more...
March 10, 2023 After seven years of blogging in the personal finance and FIRE community, I realize that there’s one type of post I’ve always avoided: How to explain FIRE to a complete newb...
Wage growth adjusted for inflation is the lowest in over 60 years....
Sadly, Silicon Valley Bank (SVB, $SIVB), the 16th largest bank in America at the end of 2022, experienced a bank run. Now the contagion has spread to other regional banks such as First Republic Bank, ...
The Administration's Greenbook budget proposal includes broad, invasive and harsh reporting requirements for most trusts....
Depression and isolation are common problems in aging, made worse by the aftermath of the pandemic. Getting help can change lives. Treatment is usually very effective for elders....
I retired from the military a few years ago. Both wife and I are stay at home parents. I’ve been working in several startup. How many of you who retired young, don’t have to work if you do...
In a post written almost nine years ago, I asked for your feedback on the validity of the so-called American Dream. That was a few years into the Tea Party movement and the economic recovery after the...
Although age brings wisdom, one in nine Americans 64 and older still don’t have life figured out, according to new research. A survey of 2,000 Americans 64 and older dispelled the idea that olde...
The new legislation requires employers to automatically enroll employees in retirement plans like 401(k)s. What are the benefits and drawbacks?...
My dad is retired now and he and my mom would like to move to be closer to my family. They have a nice house that is paid off that they will be selling, it’s in a pretty desirable area, so we ar...
April 15th, that dreadful tax day is fast approaching. But it doesn’t have to be stressful. In previous years, I’d be going over our accounts and entering the numbers into H&R Block by...
Yesterday, French workers amped up their protest over President Macron’s proposal to cut pensions by raising the retirement age from 62 to 64....
Today, we interview a doc who shares his experience of navigating a lawsuit. While he keeps the details of the case private, he shares what he learned through this long and arduous several-year proces...