Curated articles and podcasts from trusted financial experts and real retirees.
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It's already been almost 2 years since I retired and I still sometimes wake up in a panic that I'm late for work, or I didn't finish some project or something. I retired as my kids were starting colle...
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you. The post How to Pay Taxes in Retirement and Avoid IRS Pena...
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money. The post 5 High-Impact Retirement Planning Strategies Most Peo...
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied. The post ChatGPT for Retirement Planning: Does It Work? appeared firs...
Answering listener questions about how they can make smarter use of Roth accounts and tax-efficient retirement strategies and how they can think about reducing future RMDs. The post Roth Conversions f...
Both 70. Sold Del Mar home. Bought La Jolla condo. Needed kitchen and both bathrooms updated before we could move in. Timeline was brutal. Had to be out of rental by end of April. Only had 10 weeks fo...
We are retired and want to spend $250,000 a year, but once Medicare and Social Security start, we'll need less. Are we nuts?
Instead of seeing retirement planning as a game of optimizing returns, try to view it as building a plan that keeps your family steady when life punches first.
Looking for a great retirement destination? Oregon has no sales tax, no state tax on your Social Security, highly rated health care and a temperate climate.
I just turned 65 so I will not have to start taking RMDs until I'm 75. Since IRMAA is based on income from 2 years prior, that means I won't get hit with IRMAA until I'm 77 (2 years after my RMDs star...
As someone who's been writing about FIRE (Financial Independence Retire Early) since 2009 and actually leaving full-time work for good in 2012, it's been quite an interesting ride. For the most part, ...
The hardships in medicine are many, and they contribute to an environment that can seem hostile to our jobs. Was there a better option? The post The Career You Should Pursue appeared first on The Whit...
If you're asking, 'Am I really on the right financial track?', it's time for a deep-dive review of your finances to ensure all the pieces are working together.
The precipitating event was that I had all these contacts tied to my old work Outlook account on my iPhone that weren't editable. So I went through and deleted almost all of them. Just over 600 names....
In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. T...
When I think about the start of spring, I think about spending the Easter holiday with my family, the colors returning to our green spaces, a little more sunshine, and maybe a shower or two. Hail the ...
Your home, your life, your rules. Master the basics of aging in place and take control of your future with our 10-question home safety knowledge check.
There’s a lot of increased attention about adding private markets investments to 401(k) plans in the wake of President Trump’s 2025 Executive Order on alternatives, and participants are starting to ta...
Spring is here, but so are the bills. From HVAC tune-ups to surging travel costs, here are 6 hidden expenses retirees must plan for in 2026.
Including your housing wealth in your retirement plan can lead to higher lifetime income and a larger legacy than a plan based on selling the home for the cash.
With 166 exits under his belt, David Karp of Cresset works closely with entrepreneurs and ultrawealthy families, emphasizing discipline, customization and long-term wealth stewardship.
Holly Kroft focuses on ultra-wealthy families, emphasizing asset allocation, trust and long-term discipline.
Kathleen Grasmeder of Morgan Stanley emphasizes planning, education and team culture, but relies on equities to stay ahead of inflation.
Robert Skinner II emphasizes high-conviction investing, tax efficiency and disciplined decision-making during volatile markets.
As federal workers move into private-sector jobs, bigger paychecks may come with retirement tradeoffs. What happens to your public plan, and future 401(k) savings could shape long-term financial secur...
Physician conversations around money and saving almost always circle back to how doctors are notoriously spendthrift and “bad” with money. ... Read more
Are Roth conversions worth it? We'll find out, today on Your Money, Your Wealth® podcast number 576. TJ in PA is gonna have huge capital gains. Joe and Big Al spitball on whether it's worth it for him...
Due to the outperformance of the Magnificent 7 stocks the last few years, are total stock market index funds no longer legally diversified? The post Is a Total Stock Market Fund No Longer Diversified?...
Your tax refund can be more than extra spending money. Using it strategically – such as boosting retirement savings, paying down debt, or building an emergency fund – may strengthen your long-term fin...
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(65M) in good health here, urging all my friends to be careful around the house, as danger lurks where we least expect it and we don’t heal like we used to. Two days ago I nonchalantly headed downstai...
Tuesday, March 24 - Monday, March 30, 2026 Top Comments score comment 28 /u/Beginning_Lifeguard7 said I retired 6 years ago at 60. I’ve always said there are two birthdays that count 21 so you can dri...
Instead of treating your Roth IRA as "the best account" for everything, consider keeping these seven assets in accounts with better tax benefits or flexibility.
Your adviser probably uses technology that lets them manage your portfolio at the touch of a button, so why haven't they updated how they charge for their work?
Hey Everyone! I’m still here. The Retire by 40 blog is on life support, but I’m committed to posting at least once per month this year. Did you know Retire ... Read more The post Q1 2026 FIRE Update a...
I posted this question a year or so ago. I also discussed this with my financial advisor. He gave me all sorts of things to do. I'm asking here because I forgot, and a 2nd and 3rd opinion always helps...
I know some retirees end up spending a fair amount of well-earned money at the start of retirement, living Big Adventure dreams. A month in Greece and Turkey. Buying an RV and spending a year or two o...
Learn how CalSavers applies to California workers and employers, including automatic Roth IRA enrollment, payroll deductions, and benefits. The post How CalSavers Works: What California Workers and Em...
How AI, Gig Work and Contract Jobs Are Changing Retirement: The Shift from Pensions and 401(k)s to a New Work Contract Is Reshaping Worker Financial Security
No matter what you think about previous generations, they just might have legit financial advice that can help you reach your goals. The post 5 Financial Lessons That Boomers Taught This Millennial Th...
Here are some of the most common misperceptions about what you need to be financially comfortable in your later years.
Too much free time in retirement can come as a shock after decades of working. How can you ensure you don't overfill your days or let too many drift by?
As a parent to two young children, I am a target client for universities everywhere. So far, I have saved over $800,000 in two 529 plans to pay for universities in 9 to 12 years. I know we need to pay...
Since 2009, I've been writing about all the ups and downs of my financial independence journey, the good and the bad. What I can clearly say is that who you partner with in life is one of the most imp...
In a previous post, I debated whether it’s better to buy a home with a bigger lot or an amazing view. One key point was that unlike increasing livable square footage, it’s nearly impossible to create ...
We're 60 with $550K saved. We know we'll inherit when my elderly father passes away. Can we retire now, even though we can't technically afford it?
The best gift money gives you is not having to think about money. Once you activate the “not needing any ... Read more
We all know that panicking is one of the ways investors lose money. Panic selling during the 2008–2009 global financial crisis may have put some investors into the permanent underclass. Not only did t...
From what I’ve read it’s my understanding if I claim a SS Survivors benefit the amount is based on a percentage of my spouse’s SS benefit at age 67 (FRA). If I claim the benefit at age 60 it would be ...
Financial independence isn't just about hitting a certain net worth or reaching a magic retirement number, it's a personal journey shaped by your habits, values, and the emotional baggage that money c...