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Worried you won't have enough money later in life? Try redesigning your vision of retirement, and you may find your savings go further than you thought.
The secret to keeping your New Year's financial resolutions? Just make your savings and retirement contributions 100% automatic.
Make 2026 the year you stop coasting and start supercharging your retirement savings.
Saving for retirement is just one step. Now, you have to figure out how to spend and maintain funds. Here are four frequently asked questions at this stage.
Even when your financial plan says you're ready for a big move, it's normal to hesitate — but haven't you earned the right to trust your plan (and yourself)?
I have been retired 1 year. I made about 50k managing my fidelity IRA and overall made around 10%. My plan was to take 4% a year or 20k so that tracks. I keep 6 months of bills in savings currently an...
Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you’ve been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in...
In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable d...
Could a counterintuitive tax move today potentially lead to thousands in savings — or an unexpected tax trap tomorrow? In this episode, we discuss: Why some retirees intentionally harvest capital gain...
Why Plan for Retirement with Only Half Your Assets? You’ve heard the expression, “It’s the elephant in the room,” when referring to something that is huge but still ignored. That’s true in retirement ...
In this witty post, Darrell Griffin arms fixed-income seniors with 50 hilarious hacks to conquer grocery costs amid 2.3% inflation. From app-powered coupon ninjutsu and flirty freebie flirtations to c...
Americans increasingly use 401(k)s as emergency funds, not retirement savings, exposing flaws in U.S. retirement policy and deepening insecurity.
Roth conversions can save thousands in taxes, but they can also trigger Medicare IRMAA surcharges that quietly add up to more than $5,000 a year. Most retirees never see it coming, because the rules f...
Larry and Barbara Cook thought they were helping government agents. In the end, they found themselves victims of tax and Medicare gotchas, as well as the scammers.
What if the biggest obstacle to a joyful retirement isn't your money — but the belief that you never have enough of it? In this episode, we discuss: Why "having enough" is both a financial and emotion...
Recently, I’ve been experiencing a bout of financial hopelessness that’s been surprisingly hard to shake. Rationally, I know I’ll be OK, but mentally, I’m stuck in this negative loop. It started after...
Today, I'm thrilled to welcome Fritz Gilbert back for his second appearance on the podcast. Fritz is an award-winning blogger and author of The Retirement Manifesto, one of the most influential retire...
Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, trave...
Retiring at 50 sounds bold, almost unthinkable for most people, but for Kent, it was the only decision that made sense once life, loss, and perspective pushed everything into focus. In this conversati...
Do you know where your retirement savings are invested? When I looked into mine, I discovered that parts of it ran counter to U.S. foreign policy priorities.
With the tax-free money in a health savings account, a person can pay for eyeglasses or medical exams, as well as a $1,700 baby bassinet or a $300 online parenting workshop. Those same dollars can’t b...
We feature two deep-dive research papers on private credit. One is from Victoria Ivashina of Harvard Business School and the other from a team that includes Amir Sufi, co-author of "House of Debt" (U....
In the Fall issue of this quarterly publication, you'll find a story that recommends capping benefits at about $2,000, one that shows why a combination of income annuities and withdrawals from savings...
What if the biggest opportunity to grow your retirement savings has nothing to do with chasing the next big investment and everything to do with taxes? In this episode, Ryan…
Think waiting until 70 is the gold standard for Social Security? We dig into the real math behind delayed retirement credits and the hidden trade-offs that rarely make it into the headlines. Drawing o...
A year-end personal finance guide covering RMD deadlines, Roth conversions, HSA, contribution strategies, and key tax-saving steps to complete by December 31.
Have financial holes in your retirement plan (like not enough savings or unknown risks)? See if you should use home equity to fill them. The post 5 Ways to Tap Home Equity in Retirement and 7 Times Wh...
Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a...
Today’s reader case touches on an issue that’s near and dear to my heart, so without further ado, let’s dive in! Hi Firecracker & Wanderer! I’ve been an avid reader of your...
? Show Notes In this episode, Roger Whitney dives into the essentials of required minimum distributions, explaining the age thresholds, how the amounts are calculated using IRS life expectancy tables,...
After decades of saving/investing, it's hard to immediately switch to spending mode. Here's what worked for me over the last few years! Read more → The post Learning How to Spend Money (While Enj...
How do I turn my savings into a steady paycheck that lasts the rest of my life?There are a few ways to approach this challenge, but one of the most popular, and surprisingly flexible, is called the sy...
In this episode of Retirement Reality, Darren shares what it’s really like to walk away from work at 54 and why it still feels surreal. After decades of saving, hitting his number, and paying of...
Transitioning from saving to spending in retirement can be tricky, but devising a strategic plan can help ensure a smooth and worry-free retirement....
Your money may be better served outside of a retirement account....
The final weeks of the year are more than just holiday prep and family gatherings. They’re also your last chance to make financial moves before year-end that could boost your retirement savings,...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast numb...
Take our RMD quiz to test your retirement tax knowledge. Learn about RMD rules, IRS deadlines, and tax penalties that could shrink your savings....
The IRS will come knocking for its share of your tax-deferred retirement savings when you hit 73, but planning ahead for RMDs will ensure you're ready....
Editor’s note: This article has been updated on November 3, 2025 to ensure accuracy and reflect the most current information available. With paychecks…...
FROM THE ARTICLE. These steps can help protect your savings as rising prices erode retirees’ purchasing power. By Cameron Huddleston, AARP. Published November 04, 2025. Your wallet isn’t t...
The real retirement cost may not be as devastating as it seems....
My wife and I have always been savers. Now in retirement I'm struggling to spend any money beyond the required bills, food, and payments. With our pensions and social security, the basics are way more...
? SHOW NOTES In this episode, Roger Whitney explores the art of retirement goal setting with his signature blend of practical advice and thoughtful reflection. He sits down with Cesar Aguirre, who sha...
Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn’t match the average. In this episode, James shows why age-based savings benchmarks miss the mar...
Planning for retirement isn't just about hitting your savings targets and hoping for the best. It's about getting creative, asking new questions, and challenging your own assumptions. We follow the re...
Planning for your child's college education can feel overwhelming, especially when faced with skyrocketing tuition costs and countless savings options. This week on the show, we're discussing the ques...
Are you taking advantage of all your Roth opportunities? We break down the differences between the Roth IRA, Roth 401(k), or the Mego Backdoor Roth 401(k). by comparing your choices with another favor...
We asked a college savings professional and a financial planning expert for their advice....
I am planning to retire (hopefully) soon, and I keep reading things that say I'll need 70% of my pre-retirement income, or 80%, or 90%. The idea being that you will lose some of the expenses related t...