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One of the more common retirement concerns I hear from new subscribers is the transition from saving for retirement to spending retirement savings. During our careers, we’re programmed to sacrifice sp...
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...
401(k) mistakes aren’t just about saving too little – they’re also about poor planning. Common issues like tax-heavy accounts, lack of diversification, and early withdrawals can reduce your retirement...
Kevin asks about using leveraged ETFs (2x and 3x return) for his retirement savings. LEverage Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John...
One of the biggest fears people carry into retirement is running out of money. But for many retirees, the greater risk is something else entirely. Running out of time. In this episode, James Conole, C...
Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.
Overlooking these three important, albeit boring, tasks could have disastrous consequences for the retirement savings you've worked so hard to accumulate.
So many Americans are now responsible for not only building their retirement savings but also deciding how much they should ... Read more
Fidelity Investments notified a customer that her phone number and email address had been removed from her profile. When she logged in, her accounts and savings were nowhere to be found.
If you’re going to try, here are some ideas on how to do it safely.
Most people don’t know about these tax perks for retirement savers.
Investors with slightly higher incomes will quality for retirement savings tax breaks next year.
Many companies are automatically enrolling workers in a 401(k) plan at a higher savings rate.
Many workers feel uncomfortable about their ability to make saving and investment decisions.
Find out if your retirement savings are on track with our quick quiz.
Median retirement savings hit $185,000 at ages 55 to 64. Here’s how 401(k), IRA, and total balances compare across age groups. The post Average Retirement Savings by Age: See What Americans Have Saved...
Along with CDs, fixed-rate annuities often pay more than money market funds and savings accounts. If you’re nervous about them, here’s one way to test the water.
Context: USA couple. We plan to retire at around 60 years old, with no employer paid health care after that date. But, having been employed in tech, I've been a reasonably high earner in a low cost of...
Tuesday, April 07 - Monday, April 13, 2026 Most Commented score comments title & link 19 25 comments Retired folks: Best time of year to save money on home improvement projects? Top Comments score com...
As the title says, I'm a long term Fidelity customer (Rollover IRA and taxable brokerage acct). I also have a checking and savings account with a regional "normal" bank. I try to park most of my liqui...
Starting in 2026, the Federal Thrift Savings Plan (TSP) began allowing in-plan Roth conversions. Here's what you should know. The post Yes, You Can Now Do Roth Conversions in Your Thrift Savings Plan ...
Find out if your retirement savings are on track with our quick quiz.
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
From the cost of long-term care to outliving your savings, aging is full of risks that are almost too scary to contemplate. Here's how to face them fearlessly.
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
This post is a follow-up to our post of July 2, 2025. In that post, we talked about the possibility of future Social Security benefit cuts and how you can use the Actuarial Financial Planner to estima...
After retirees have spent a lifetime accumulating savings, one of their biggest hurdles is overcoming their reluctance to spend their money.
[Long] This might be one of those “Shut up, good problem to have” things, but I honestly don’t have a grip on it. I’ve been retired for 2.5 years and in 6 months, I’ll claim Social Security when I hit...
A proposed federal rule aims to clear the way for retirement savings plans to include alternative assets. But it may not be enough to protect employers from lawsuits.
When I claim SS my wife and I suddenly have another $5700 monthly coming in (mine+spousal). That WELL exceeds what we need to live on - even with a generous vacation budget. I'm thinking that at that ...
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...
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 ...
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
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...
Here are some of the most common misperceptions about what you need to be financially comfortable in your later years.
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...
Find out if your retirement savings are on track with our quick quiz.
Gen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.
The Social Security provisional income threshold can create a "tax torpedo" for disciplined savers, raising your effective marginal tax rate to 40.7% or more.
Brigadier General Michael Meese details the critical decisions military families must make before retirement. Transitioning into retirement is a major life change for anyone. But for military families...
Everyone thinks retirement is a permanent vacation. For the first few months, it might feel that way. Then something shifts. The novelty fades. Tuesdays start to feel like Saturdays. The structure tha...
For retirees seeking less risky savings options, here are a few recommendations based on your preferences.
How do you turn decades of hard-won savings into a steady stream of income for the rest of your life? These funds may help.
James Choi’s investing model suggests your stock allocation should depend on income, savings, and future earnings, not just age. The post How Much in Stocks? A Yale Formula Rethinks Allocation Rules a...
Jeremy Keil explains how putting your cash in the wrong spot could prevent you from earning thousands in interest during your retirement. Many retirees spend a lot of time thinking about how to get be...
Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotiona...
Dream of a fabulous retirement? How to actually build a $10 million 401(k) from a top wealth manager all while saving taxes and building finanical freedom.
Last year’s tax bill created a new savings vehicle that starts as early as birth – the Trump account. While these accounts resemble IRAs in some ways, they offer distinct contribution rules, investmen...
Combining a QLAC with a HECM can help mass affluent retirees secure guaranteed lifetime income, tax advantages and liquid savings to cover late-in-life expenses.