Retirement income is the money you receive from various sources during your retirement years. It's important to plan for retirement income, because you will no longer be receiving a regular paycheck from employment.
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Need help with January 2028 retirement. Wife and I will both be 62 at time of retirement. My gut is to take the largest partial lump sum distribution (PLSD) and get money in my hands. That amount is $...
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conv...
A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it. The post S&P 500 Dividend Yield Is 1%: How to Plan Retirement In...
Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which pension option is best for their early retirement ...
Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s,...
Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward in Illinois before diving into buckets of cash, T...
An immediate annuity transforms a lump sum into a lifelong paycheck, essentially providing a DIY pension so you can stop stressing over stock market drama.
We are retired and have about 500k in iras I am looking for dividend income and some growth. I don’t know if I should sell my shares in individual stocks in case of a bear market or should I let them ...
We recently asked ChatGPT two questions about using the Actuarial Approach and its Funded Status metric to evaluate a household’s retirement sustainability. ChatGPT had high praise for the Actuarial A...
Vanguard’s new target-date trusts put guaranteed income inside your 401(k). But a floor isn’t a plan. Here’s what the product can’t tell you. The post Vanguard Target Retirement Lifetime Income: What ...
Delaying your claim until age 70 locks in a permanent, lifelong pay raise. Here is your blueprint to construct an income bridge that safely funds your retirement gap years.
It's easy to lose track of spending when you're focused on your family and career. But this is what you're risking when you don't save or protect your income.
Turns out, an adviser's long tenure is not a reliable indicator of their true expertise, especially in crucial areas like retirement income and tax planning.
I’ve been playing poker for over 25 years, and I still love the game. Every time I sit down at a table, it feels like a time warp. Three hours can pass in the blink of an eye. The cards, the psycholog...
You combine your housing wealth and lifetime annuities to help ensure that an average of three-quarters of your retirement income is not subject to market risk.
Jesse Cramer and Jeremy Keil detail 7 real world lessons learned from working with hundreds of retirees. There’s a big difference between studying retirement… …and actually sitting across the table fr...
Retiring at 60 feels like a clean plan. Work ends, savings take over, and Social Security fills the gap later. What most people do not realize is that decision has already changed their benefit. In th...
The 2026 OASDI Trustees Report is expected to be issued in the near future. Last year, the 2025 report was released in June. Like we did last year, we will take a shot at predicting this year’s 75-yea...
Most physicians spend their peak earning years maxing out pre-tax retirement accounts, reducing taxable income, and deferring the tax bill ... Read more
Do you struggle with your financial behavior—even though you earn a great income and “know better?” Let's talk about the reasons why. The post Understanding Your Financial Behavior: Why ‘Knowing Bette...
Jeremy Keil walks through three critical questions future retirees can answer before their paycheck stops Most people spend decades preparing for retirement by focusing on one number: How much have I ...
June in Washington State is 62 with $2.5 million saved and a $350,000 pension on the table. Should she take the lump sum or the monthly check for life? Spoiler alert: there's a 3-to-1 vote in the stud...
UK 56M, I have worked abroad for the last 8 years and plan to work as long as my body allows, but at least up until UK state pension age, mainly because I had kids later in life (they're going to Uni ...
Hi, all. Planning for retirement next year. Looks like my social security and pension (both inflation-adjusted, a bit less for the pension) will cover my basic budget without the need to tap the 401k,...
A big single-stock win can feel like freedom one day and a tightrope the next. This plan walks through how a family holding ~$15M in NVIDIA shares can turn concentrated success into stable, low-stress...
A mega backdoor Roth IRA allows high-income earners to potentially move tens of thousands of dollars into a tax-free retirement account. This is how it works.
The 90-year-old retirement income program is marred by confusing rules, administrative snafus and uncertainty over what benefit cuts and tax hikes are to come.
I 60F wish to retire sometime this year. I have the financial ability but have some complex moving parts. Under consideration is using some Roth money to keep my MAGI low enough to get an ACA premium ...
Tuesday, April 28 - Monday, May 04, 2026 Top Comments score comment 19 /u/SageCactus said I'm retired, and make way, way over the poverty limit. Healthcare is just a large expense. Just budget for it....
The first quarter of 2026 brought a whirlwind of market events—geopolitical shocks, surging energy prices, and a notable shift away from mega-cap US growth stocks. Despite the turbulence, the markets ...
Here is a question worth sitting with: which is actually harder to achieve, a top 1% income or a top 1% net worth? Most people assume income. The number sounds impossibly high, the competition sounds ...
Exploring how physicians and other high-income professionals can approach charitable giving in a more intentional and effective way and how reaching financial independence early can maximize the impac...
I often get asked how I was able to buy so many houses with such low income. I bought my first house in my early 20s while unemployed. Since then, I’ve purchased over a dozen more with a total of $800...
Want to enjoy life after work without having to worry about market downturns or inflation? Creating a guaranteed retirement "paycheck" is the answer.
Feeling happy? That could be because spring has finally sprung here in the Midwest. Or, more specifically, it could be because you're part of the Keen Wealth audience right here in Overland Park! A re...
Author, podcaster and financial advisor Tyson Ray explains the importance of knowing your financial advisor’s succession plan and what happens to you when they retire. “If something happens to you, wh...
This is going to be a bit long. We are planning on getting LTC insurance, my wifes dad used his benefit and we have no kids. I am just not sure how to think about it. I conceptualize 3 different reaso...
Most people think deciding when to take Social Security is a math problem. Run the numbers. Find the breakeven age. Pick 62, 67, or 70. Done. But that approach misses the point. This is not a math dec...
Surrounded by other high-income docs, I’ve felt the cultural pull to push my kids to excel. Should that include an Ivy League education? The post Should I Send My Kid to the Ivy Leagues? A Parent’s Pe...
When I started working out of college, I had one stream of income. My job. Now that I’m in my ... Read more
I left my job in 2025 but contributed to my Roth IRA because I was still working in that year. This year, I started working as a W-2 contractor for my former company through a contracting company. I t...
The decision to move to a different state should balance financial issues with the lifestyle you want, rather than simply choosing a low-income-tax state.
It’s safe to assume that there’s a cardiologist in every major American city who drives a BMW, owns a 4,000-square-foot ... Read more
Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there’s a real possibility you c...
Incorporating housing wealth and lifetime annuities in your retirement income plan can offer a significant tax-cost advantage over an investment-only plan.
The plan would shift much long-term care from Medicaid to Medicare. It would for anyone with a significant need for care but tie benefits amounts to income and assets.
Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcas...
Chris Orestis, founder & president of Retirement Genius, answers the question: “Is Social Security going bankrupt?” “If we don’t address the financial shortfall… it would trigger an immediate 20% or g...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions. Social Security is one of the most important decisions in retirement. And yet, ma...