Curated articles and podcasts from trusted financial experts and real retirees.
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Becoming "work optional" is about control — of your time, your choices and your future. This seven-step guide from a financial planner can help you get there.
If you want to reduce your tax burden, here are some alternatives to paying capital gains taxes. Most of them have significant downsides. The post 10 Ways to Avoid (or at Least Delay) Capital Gains Ta...
Monarch Money Review (2026): Is It Worth It?
Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you ...
Test your knowledge of Social Security delayed retirement credits with our quick quiz.
Lessons from ERISA Expert Witness Eric Dyson on how to reduce fiduciary risk and be better prepared if the Department of Labor comes calling.
I am 66 and my sister is 76, her husband is 84. We are both married, retired, have homes. But. I have several degrees, had a really good job in tech as did my wife. We saved enough money and are grate...
Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distrib...
Does offering private capital in 401(k)s represent an exciting new investment opportunity for "the little guy," or an opaque and expensive Wall Street product?
None of us wants to think we'll need long-term care when we get older, but the odds are roughly even that we will. Which is all the more reason to understand the realities of LTC and how to pay for it...
In the run-up to retirement, your asset allocation needs to match your risk tolerance without eliminating potential for growth. Here's how to find the right mix.
Introducing Boldin's AI Planner Assistant with a complete statement on using AI responsibly in financial planning. The post Boldin’s AI Planner Assistant: Advancing Mission to Make Financial Planning ...
The 4% rule has guided retirement planning since 1994 — but it was designed for 30-year retirements, not the 50-year ... Read more
I watched Spinal Tap for the millionth time recently. It has a load of great lines including this one: There’s a fine line between stupid and clever. There’s also a fine line between cheap and frugal…...
I don't know what's wrong with me. I talk to my therapist Wednesday morning, I need to tell her I haven't felt this awful in many years. If you look at my life, there is nothing too bad about it but I...
Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money r...
Becoming a parent has turned me into an involuntary firefighter. I don’t get a cool hat, or get to drive a big red truck, but I do get woken up in the middle of the night to deal with pee-soaked bedsh...
I get all kinds of questions coming from internet forums and my email inbox that are relevant to the WCI community. Let's answer some. The post Keeping It Real (and Reaching Back into My Mailbag) appe...
I (63m) am planning to retire from practicing law sometime before age 70. I see friends retiring and pursuing creative hobbies like photography and woodworking, but I have none and am not really inter...
Hey everyone! If you haven’t heard, the New York Federal Reserve concluded that U.S. consumers and businesses are paying 90% of Trump’s tariffs in 2025. Thanks Trump, for making everything ... Read mo...
Professional 401(k) management may help investors navigate higher contribution limits, market volatility, and rising complexity in 2026. This article explains what’s changed, how personalized manageme...
From 2009, when I started writing about FIRE, until now, the FIRE movement has had a great run. It was born out of the 2008-2009 global financial crisis, when hundreds of thousands of people were losi...
WHEN: March 23, 2026 12:00 PM-1:00 PM ET. WHERE: Zoom. Register By March 23, 202612:59 PM ET. Retirement planning doesn’t have to be daunting. Collect some tips for determining if you are on track to ...
I don’t think I’ve ever really fit in. Perhaps moving to a foreign land and continuing to work instead of retiring will make the difference. The post From Early Retiree to Émigré appeared first on The...
I set my retirement date for early September and since then work weeks seem like months. Time is just dragging slower and slower. Seems as though I should have never really set a date. I keep counting...
International flights are averaging about 7% cheaper than a year ago and domestic economy airfares are also down.
I'm a retirement writer. Three deceptively simple questions helped me focus my retirement and life priorities.
Explore how different philosophical and cultural definitions of time can provide insights into your financial decision-making process. The post Understanding How Concepts of Time Impact Your Financial...
The first quarter of the year is when most doctors are flush with bonus checks and maybe even a little ... Read more
Even modest changes in retirement income can raise Medicare premiums under IRMAA. Here’s how even a small increase can affect your retirement costs.
We are 66 and have reached our retirement savings goal. Our plan is to travel, but my husband can't seem to let go of work.
Why age alone in financial hardship when you can enjoy companionship — and share the costs of housing, groceries and health care — with a small community of friends?
The final five years before retirement are not maintenance mode. They are leverage years. Small decisions made here can outweigh the previous twenty years of saving and investing. In this episode, Jam...
Here are some appropriate times to use debt to your advantage in your financial life. The trick is to know when the risks are too great. The post How to Leverage Debt — The Best Ways to Use Debt to Yo...
FROM THE ARTICLE. Upcoming Bismarck and Fargo Events Will Address Varying Retirement Needs and Concerns. By AARP. Published February 20, 2026. In a recent national AARP survey, women 50 and older cite...
All that cash you have in tax-deferred accounts could launch you into a higher tax bracket when you start withdrawals. It's time to protect your income.
For real retirement security, forget about chasing returns and focus instead on the things you can control: income, taxes, risk-taking and decision-making.
One in two Americans don't know much about Social Security — and some are basing their retirement on mistaken beliefs. It's time to separate fact from fiction.
Have you become numb to risk? Is your brokerage app or website fueling your desire to trade? An investment adviser explains why it always pays to be cautious.
I’m retired and wife now wants to retire and added she wants to buy a sprinter van and dive all over the USA. She thinks this may be more economical than flying, renting car and staying in motel. Ther...
The estimated savings needed to retire at 65 varies by nearly $1.5 million from state to state, driven largely by differences in housing costs.
The typical retiree household will spend an amount equivalent to 10% of annual income on unexpected expenses, and about 40% lack the cash to cover those costs.
What do you do if your biggest financial threat is simply having too much of a good thing — money?
I’ve always been a highly productive person. I rise early, stay up late and stay busy getting things done all day long. My friend used to say I reminded her of a windmill… Always in motion. Since you’...
I wanted to create a scale for how a lazy person could invest in real estate and be satisfied with the result. Here's what I found. The post I Want to Invest in Real Estate, But I Also Want to Be Tota...
I have an HSA that , when I was, working, I could control the amount of cash (as opposed to investments) during direct deposit in it by choosing certain amount of max cash. Now that I am retired and n...
Well, after working for the last 47 years, I can finally take a step back from the work force. Been working as a union carpenter as well as a hobbist investor amongst numerous other things. Money is n...
Five stats show how you need to rethink retirement, because "the future ain’t what it used to be."
The OBBBA's permanent lower tax rates removed the urgency for Roth conversions. Retirees thinking of stopping or blindly continuing them should do this instead.
If you're feeling shaky about your finances as you approach retirement, here are four tasks to complete that will help you focus and steady your nerves.