Curated articles and podcasts from trusted financial experts and real retirees.
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President Biden wants to increase the capital gains tax rate and the Medicare tax rate to have wealthy people pay a “fairer” share of taxes....
Is inflation scrambling your nest egg? Fortunately, there's still time to add inflation-resistant investments to your portfolio. A good mix of asset classes can smooth out your volatility, both for th...
Want to get rich? Then you should just keep buying a diverse set of income producing assets. While this advice sounds easy enough, the hard part comes when deciding what kind of income-producing asset...
Running fast to slow down. It seems an oxymoron, but it’s a reality that many of us face at various seasons in our life. Seasons such as… …cramming for Final Exams to enjoy the sum...
I would appreciate some advice concerning the timing of my Social Security payments, and how that interacts with ACA subsidy payments. I am 60. I will turn 65 in August of 2027. I have an ACA plan. Du...
I'm hoping I can get some insight on how to handle this. I was a Connecticut teacher for 6 years, so have accumulated a bit of retirement through the CT Teachers Retirement Board (TRB). Just last year...
Hypothetically, if you had a pension that you were given early in life (20+ years before normal retirement) that covered 90-100% of your expenses, would you retire early and reduce your expenses? Edit...
COVID has moved from a central place in our lives to a risk that, while still important to heed, has moved out of the foreground. One thing we will not forget, however, is COVID’s toll on nursin...
Link to the full article (3 min read)Short-term rates are closing in at 5%, making the yields more appealing to investors who have been forced to take on risk. There’s no way to know for sure wh...
At the time I did not know I could cash out my retirement just curious if anyone would know if I would still be able to now? Or would it be gone at this point? Thanks submitted by /u/AdMundane8697[vis...
I spent the summer of 1996 tending the 13th street beach stand just off the boardwalk in Ocean City, MD. Beachgoers came to me for rentable beach chairs, umbrellas, and bodyboards. On a good day, I&rs...
I was hoping to retire this year, but the media's daily dose of FUD is giving me doubts. I need to read some retirement articles (hopefully somewhat recent) to help convince me that the world is not o...
Loneliness boosts risk for many health problems, and can even contribute to an early death. Many people find it hard to reach out to make new friends, but there are strategies that can help.......
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...
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...
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...
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]...
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]...
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....