Curated articles and podcasts from trusted financial experts and real retirees.
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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...
When you do your taxes in tax software, the software sometimes calculates an underpayment penalty. It thinks you owe the penalty when your tax withholding plus any estimated tax payments were below a ...
Enhanced credits for small-business retirement plans, expanded 401(k) options and other provisions support businesses that give their employees a leg up on saving....
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Taking these steps now can lead to a more comfortable retirement....
The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading ... Read more...
Anyone retire early then find out the numbers didn't quite work? If so, how did you make it work? Did you just adjust your spending? Or did you get a part-time job or even go back full-time? Some comb...
I’ve heard so much about High-yield savings to keep your cash in that I started looking into it and they are paying 3.5 to 3.8%. It’s definitely better than a regular savings account but I...
Hello I am a 28 year old business owner and have run a pretty successful business for the last 5 years. I have been so focused on growing and building the business that I never really thought about re...
I'm still working but on the verge of retirement. In an effort to eliminate monthly expenses, I'm eying my 401k, which is sitting at a 450k balance to pay off my first and only home loan. It has a sim...
Im 46 yrs old is it true that you can retire and live on dividend income is this something reliable and safe submitted by /u/Quiet-Capital-9275[visit reddit] [comments]...
Because of the great response I received, I've decided on Northern Florida. But now there's a third option. My brother-in-law who lives close to the Alabama border has got me to thinking of Southern A...
March 5, 2022 — How many people do you know who have been scammed? Chances are, there are a lot more than you know about, including many friends or relatives who are too embarrassed to talk abou...
[Editor's Note: Looking to change your life by creating multiple income streams? Looking for inspiration from other docs who have become successful entrepreneurs? Then, mark your calendar for the onli...
Dear friends, I talked about this documentary I made before here. It's called Retirement Home. I had really enlightening feedback about it from this community. The film was recently made available on ...
The Secure Act 2.0 will help a lot. But there’s much more that can be done....
Just got a contract and will be making pretty serious money for next year, maybe longer. 2-3 hundred k. 63 and looking for legal ways to defer money to retirement - that’s 1 at least years out. ...
It was suggested to me that I look into becoming a real estate professional for tax purposes. From what I've read, this is a special designation on tax returns if the tax payer performs more than 750 ...
To explain, I went on disability 8 years ago after I was fired from my 28-year career (state government). I am entitled to retirement pension this month. HOWEVER, I now owe over $15k in med bills and ...
Have you ever tired to start an online business or a Side hustle to make money online? Have you tried various tactics and strategies, but nothing seems to work? Which platforms did you use ? You might...
Like a well-behaved, good-tempered infant, I adore mornings. I rise at dawn, eagerly make coffee, write essays, and listen to music. This morning, Mr. Chow, a jazz-pop song by Acoustic Alchemy, plays ...
I am in the U.S. but thinking of Canada as a retirement location (Whistler to be specific). I have a lot of questions about if this is really possible and would appreciate any help. I was born in Cana...
March 5, 2022 — How many people do you know who have been scammed? Chances are, there are a lot more than you know about, including many friends or relatives who are too embarrassed to talk abou...
This article covers rules around IRAs, contribution limits, IRA rollovers, and transfers....
Love ’em or hate ’em, annuities are back. And as always, there's plenty you should know before getting an annuity for yourself....
By Stacey Ritzen, WCI Contributor No one wants to think about the worst-case scenario, the event that a traumatic illness or injury robs us of our ability to work and perform basic household duties. B...
There are two main reasons to set money aside: Insurance against bad financial weather and provision for your retirement. But how much do you need to save?...
Often, people look at property tax, state income tax, and/or sales tax when they are looking at where to move. This article approaches it from of different angle - How much does the state spend and ho...
Hello fellow Redditors, I am a senior citizen who is considering retiring to Spain and specifically to the city of Valencia. I have been doing some research on this topic, but I would like to get some...
I turn to a good book or a movie. For those of you who like to read and enjoyed my cat story titled Leo and Cleo: Betrayed, I've posted four more Leo and Cleo stories you might like. <HERE> subm...
Once the worst of the pandemic passed, some of us turned from being savers to spenders — setting ourselves up for potential disaster....
I am considering semi-retiring this year. I am 62. I own a business and plan to continue working part time. My business is a LLC (files taxes as an S Corp) and I pay myself through the company. Taxes ...
We Compare IEMG vs EEM: We’ll compare two popular emerging market ETFs: the iShares Core MSCI Emerging Markets ETF (IEMG) and the iShares Core MSCI Emerging Market ETF (EEM). Before diving into ...
I am 60 (closer to 61). My 59 (closer to 60) year old wife is retired. I work part-time at a job that just about cover our regular expenses. Our net financial worth is seven figures, and a combination...
I M19, am trying to build my Roth IRA and overflow retirement accnt. I have about 15k I want to put into retirement. I have investing experience, I know a good bit of stuff. However I do not know the ...
Just started a new job at a great but small firm and they have no retirement plan. I have worked for 25 years and and have contributed to a 401k. I want to finish out the last 10-12 working years at t...
After years of dithering on both of our parts, today my husband finally pulled the plug and formally announced his retirement date (May) at his very boring bank job. He’s now freaking out about ...