Curated articles and podcasts from trusted financial experts and real retirees.
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If you don’t have any existing credit history, building credit should be one of your financial priorities. However, getting started can be tricky. You won’t be approved for certain types o...
Women still face unique economic and social challenges today, so here are some key things to consider that can lead to a more secure financial future....
submitted by /u/That-Mess2338[visit reddit] [comments]...
We are a couple of years away from retirement and our dog died at the end of December. We miss having a dog terribly, it is the first time in over 30 years that we have not had a dog. But we did think...
We always know when it is the beginning of the year, because we get so many questions about retirement accounts and everything related to them. This episode answers more of your questions about employ...
The Atlantic writer Derek Thompson wrote an article about the best career advice he’s come across that “might be marginally useful.” Your Career Is Just One-Eighth of Your Life was a...
Here’s how retirees can benefit from changes in required minimum distributions (RMDs), qualified longevity annuities and IRA catch-up contributions....
The backdoor Roth is touted as an important, no-brainer move for a high-income investor to make. This post explores the marginal benefit of doing so....
The national average for retirement savings varies depending on age, but according to the Economic Policy Institute, the median retirement savings for all working age households in the US is around $9...
High retirement expectations data shows that the average investor is far from prepared. Click here to find out what makes dividend growth investing so powerful....
What are mid-term goals and why is it so important to define them? We all have short-term and long-term goals, but many of us neglect the crucial mid-term goals. We need to set mid-term goals because ...
Decide now what you want to do with the family home after you are gone — and then write it down and update as necessary...
Here’s something you should know about Medicare Advantage plans: the vast majority of these insurance policies require prior approval before a person can receive some medical treatments and serv...
I just turned 34 I only have about 9k in my 401k and it’s aggressive investments (since I’m still somewhat youngish) right now I have 10 percent going into traditional (+ 6 percent match)a...
I need help completing the form for claiming amounts due in the case of a deceased beneficiary. Question #1...name of surviving widow - that's me...I entered my SS#, I answered "yes" to living in the ...
Will v ballance stand the test of time Can it be used with the 4% rule. What should be expected in terms of returns submitted by /u/No_Environment3777[visit reddit] [comments]...
if you're writing a newsletter on substack about retirement, or know of those who are, leave a comment please! Would love to recommend retirement-related publications to others via my own! Or if you h...
I'm just looking to hear some opinions on what you think will happen to the current 4.70% - 5% rates on 18 month CDs. I highly doubt the Fed will pivot but my bank hasn't done an increase on CDs since...
Is an IRA or 401(k) a better investment choice for you? Consider these factors to help you decide....
Understanding the concept of Enough is crucial. John Bogle gets it. So does Joseph Heller. Do you know what Enough means in your life?...
[Editor's Note: It’s finally here! After months and months of planning, the Physician Wellness and Financial Literacy Hybrid Conference (WCICON23) starts today. But don’t worry: there&rsqu...
I don’t know if you’ve heard, but the 2023 Social Security COLA (Cost Of Living Adjustment) is a whopping 8.7%! This increase is both huge and head-scratching. The 2023 Social Security COL...
When deciding on the ideal place to retire, a little homework can spare you a lot of headaches...
With the unemployment rate near record lows, the odds favor job seekers — especially those with the right skills (but not necessarily a college degree). Here are 5 top trends....
From Alaska to Florida, America’s state and local governments have been pushing their workers out of pensions into 401(k)-type retirement plans—misleadingly claiming the retirement benefit...
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A step by step guide that shows you how to successfully complete a Backdoor Roth IRA contribution via Vanguard in 2023 (for a mutual fund or brokerage IRA)....
Optimizing your finances is a great goal. But it's something very few people I come across have done well. Optimizing is about using the options at your...
I am new to investing and had a question about brokered CDs being offered on Vanguard. Currently there are offers of 3 month CDs that offer a return of 4.8%. Does this mean if I were to invest a milli...
I got a lot of stuff going on. I have kidney cancer, I am 64 and have a federal job that now has changed and I question my skills at it, I have a wife who quit her job and has retired but without draw...
A surprising study suggests there’s a significant difference between age-friendly jobs and age-friendly employers...
I'm retired and on COBRA (extension of employer insurance) for 18 months. That ends in the 3rd quarter of next year, not lining up with the Healthcare.gov marketplace, which is based on calendar year....
For me it feels like I'm aiming less for money and more for financial stability. I'm probably living in a delusion. It just feels like I have less to worry about and can budget my finances well enough...
I previously changed employers. I was paying into a 403b and I want to know the best avenue of getting that money. Should I do a cash out? Should I do a rollover into a specific IRA? I paid into it fo...
What is the advantage of using the One time IRA-to-HSA Rollover vs a withdrawal from your IRA (taxable event) and then contributing the same amount (reducing taxes) into your HSA? The income from the ...
I know that when you retire, they use your best 35 years to determine your benefit amount. If you retire lets say at 64 years old, but you still work, does the amount you make after you start collecti...
Does anyone have ideas on whether to work additional years past 30 years and do the PLOP program through the Virginia Retirement System? submitted by /u/Salt-Inspection9396[visit reddit] [comments]...
It’s hard not to enjoy a good vacation… a chance to get away from the “same old” just for a little while. Traveling can be an opportunity to visit places you’ve never be...
Big changes are coming to 401(k) benefits this year and the next few years. If you want to maximize your retirement savings and your retirement lifestyle, it’s critical you are aware of these ch...
[Editor's Note: Last year, we gave away 29,000 books worth $850,000 for our WCI Champions program. But there’s still plenty of room for improvement in our mission—to get a free copy of The...
If you used the Early Retirement Now SWR Toolbox or read Karsten Jeske's blog and used his spreadsheet, here is a video explaining how to fill in the spreadsheet! It's one of my favorite tool in my to...
With tax season in high gear, you might not have eyes towards 2023 taxes. But there's a key deadline for the self-employed or small business owners, which can ease next April's worries....
Lots of folks expect that Medicare or Medicaid or a combination of these will pay for assisted living for their aging parents. When care is needed, and the parent is low on funds, find out the truth....
Here are three examples of places where you can invert your budget allocation to spend less on basic necessities and more on the things you enjoy....
Due to new laws and IRS waivers, taking required minimum distributions from an inherited IRA can bring a lot of questions....
Budget skiing. Thought by most to be a mythical beast like the unicorn, the humble Hollywood plastic surgeon, or the ... Read more...
Photo by Megan Ruth on Unsplash Important: Investing for the long-term. Think decades. My holding period for VTSAX is forever, other than maybe selling a few shares while living on my portfolio. I am ...
In the past 10 years, I have flown to the following cities for free - Kiev, Frankfurt, Toronto, Los Angeles, New York, Miami, Las Vegas, Dallas, and Sarasota. In addition to free flights, I had free h...
We are big believers in financial independence! But did you know we also think Coast FIRE is better than traditional FIRE? Find out why!...
How long does it take to double your money? The traditional advice says to use the rule of 72—take 72 and divide it by your expected annual return to calculate the numbers of years to double your mo...