Personal Finance Articles

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6460 Articles

Michael Williams | Aug 8, 2026 at 11:08 PM EDT

This $575,000 Portfolio Pays More Cash Every Month Than $1 Million in the S&P 500

A smaller portfolio built around the right income assets can throw off more cash every year than a million dollars…

Michael Williams | Aug 8, 2026 at 10:14 PM EDT

How a 52-Year-Old Can Turn $425,000 Into a Monthly Paycheck Machine by 62

A $425,000 nest egg can generate wildly different monthly paychecks depending on where you put it, but chasing the biggest…

Michael Williams | Aug 8, 2026 at 9:33 PM EDT

What It Takes to Retire on the Italian Riviera at 60 on $1.1 Million and Keep Your Principal

Retiring on the Ligurian coast at 60 sounds like a fantasy until you run the actual numbers, and the biggest…

Marc Guberti | Aug 8, 2026 at 7:39 PM EDT

$400,000 in Employer Stock Inside Your 401(k)? This Tax Rule Could Save You $65,000 Before You Retire

Most retirees with company stock in their 401(k) hand their advisor one simple instruction and unknowingly forfeit tens of thousands…

Gerelyn Terzo | Aug 8, 2026 at 6:02 PM EDT

She Asked an AI Chatbot When to Claim Social Security. It Sounded Certain, and It Was Wrong.

A widow asked an AI chatbot how to maximize her Social Security benefits, got a confident, detailed answer, and walked…

Michael Williams | Aug 8, 2026 at 5:41 PM EDT

‘Your Anxiety Comes From Your Mother Being a Twerp’: Dave Ramsey to Caller Who Paid Off $12K But Can’t Shake Family Pressure

Michelle paid off $12,000 in nine months on a $110,000 salary and still can't sleep at night, and Dave Ramsey…

Michael Williams | Aug 8, 2026 at 5:37 PM EDT

How Much Do You Need Invested to Out-Earn the Average Social Security Check With Dividends?

Replicating a Social Security check with dividends sounds straightforward until you realize the yield you chase determines whether your income…

Michael Williams | Aug 8, 2026 at 5:29 PM EDT

Here’s How You Can Retire to the Beaches of Florida’s Gulf Coast at 59

White sand mornings and no state income tax sound like the setup to an easy retirement, but the Gulf Coast…

Michael Williams | Aug 8, 2026 at 5:11 PM EDT

What a $2.2 Million Portfolio Actually Pays After Taxes in Florida vs. New York

The state you file in can quietly drain more from a $2.2 million portfolio than a full percentage point of…

Gerelyn Terzo | Aug 8, 2026 at 5:03 PM EDT

His Employer Closed the Facility and Offered a Transfer. The Moving Check Can Shrink His Social Security While Severance May Not.

When a facility closes, a FedEx sorter collecting early Social Security discovers that the payment covering his moving costs and…

Gerelyn Terzo | Aug 8, 2026 at 2:05 PM EDT

Laid Off at 58 With a 401(k) Loan, She Thought She Had 60 Days to Replace the Money. The Tax Code May Give Her Much Longer.

Most workers remember a 60-day clock ticking the moment they leave a job with an unpaid 401(k) loan, but the…

Marc Guberti | Aug 8, 2026 at 12:39 PM EDT

IRMAA Surprise: How Your 401(k) Distribution Today Triggers Medicare Surcharges Two Years Later

A single 401(k) distribution can quietly set a Medicare bill two years into the future, and most retirees never see…

Gerelyn Terzo | Aug 8, 2026 at 10:04 AM EDT

He Needs $30,000 for a Roof and Furnace at 69. A New Maine Law Could Help Him Borrow Without Making More of His Social Security Taxable.

A leaky roof and a failing furnace sound like a home repair problem, but for a retiree living on Social…

David Beren | Aug 8, 2026 at 10:01 AM EDT

Retirement Has Three Spending Phases. Most Budgets Only Cover the First One.

Most retirement plans assume spending stays roughly flat for decades, but retirees actually move through three financially distinct phases that…

Gerelyn Terzo | Aug 8, 2026 at 8:46 AM EDT

He Paid Medicare’s $1,736 Hospital Deductible in January. After 60 Days at Home, He Owed It All Over Again.

Most people assume a hospital deductible is finished once they pay it, but Medicare Part A runs on a clock…

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Personal Finance Articles

All Personal Finance Articles

This $575,000 Portfolio Pays More Cash Every Month Than $1 Million in the S&P 500

How a 52-Year-Old Can Turn $425,000 Into a Monthly Paycheck Machine by 62

What It Takes to Retire on the Italian Riviera at 60 on $1.1 Million and Keep Your Principal

$400,000 in Employer Stock Inside Your 401(k)? This Tax Rule Could Save You $65,000 Before You Retire

She Asked an AI Chatbot When to Claim Social Security. It Sounded Certain, and It Was Wrong.

‘Your Anxiety Comes From Your Mother Being a Twerp’: Dave Ramsey to Caller Who Paid Off $12K But Can’t Shake Family Pressure

How Much Do You Need Invested to Out-Earn the Average Social Security Check With Dividends?

Here’s How You Can Retire to the Beaches of Florida’s Gulf Coast at 59

What a $2.2 Million Portfolio Actually Pays After Taxes in Florida vs. New York

His Employer Closed the Facility and Offered a Transfer. The Moving Check Can Shrink His Social Security While Severance May Not.

Laid Off at 58 With a 401(k) Loan, She Thought She Had 60 Days to Replace the Money. The Tax Code May Give Her Much Longer.

IRMAA Surprise: How Your 401(k) Distribution Today Triggers Medicare Surcharges Two Years Later

He Needs $30,000 for a Roof and Furnace at 69. A New Maine Law Could Help Him Borrow Without Making More of His Social Security Taxable.

Retirement Has Three Spending Phases. Most Budgets Only Cover the First One.

He Paid Medicare’s $1,736 Hospital Deductible in January. After 60 Days at Home, He Owed It All Over Again.

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

He Sold Nothing in the 2022 Crash. He Swapped Into a Similar Fund for a Week, Booked $90,000 of Losses, and Hasn’t Paid Capital-Gains Tax Since.

Social Security’s $184,500 Wage Cap Is Under Fire. Here’s Exactly Who Would Pay More

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

He Sold Nothing in the 2022 Crash. He Swapped Into a Similar Fund for a Week, Booked $90,000 of Losses, and Hasn't Paid Capital-Gains Tax Since.

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

He Sold Nothing in the 2022 Crash. He Swapped Into a Similar Fund for a Week, Booked $90,000 of Losses, and Hasn’t Paid Capital-Gains Tax Since.

Personal Finance Articles

All Personal Finance Articles

This $575,000 Portfolio Pays More Cash Every Month Than $1 Million in the S&P 500

How a 52-Year-Old Can Turn $425,000 Into a Monthly Paycheck Machine by 62

What It Takes to Retire on the Italian Riviera at 60 on $1.1 Million and Keep Your Principal

$400,000 in Employer Stock Inside Your 401(k)? This Tax Rule Could Save You $65,000 Before You Retire

She Asked an AI Chatbot When to Claim Social Security. It Sounded Certain, and It Was Wrong.

‘Your Anxiety Comes From Your Mother Being a Twerp’: Dave Ramsey to Caller Who Paid Off $12K But Can’t Shake Family Pressure

How Much Do You Need Invested to Out-Earn the Average Social Security Check With Dividends?

Here’s How You Can Retire to the Beaches of Florida’s Gulf Coast at 59

What a $2.2 Million Portfolio Actually Pays After Taxes in Florida vs. New York

His Employer Closed the Facility and Offered a Transfer. The Moving Check Can Shrink His Social Security While Severance May Not.

Laid Off at 58 With a 401(k) Loan, She Thought She Had 60 Days to Replace the Money. The Tax Code May Give Her Much Longer.

IRMAA Surprise: How Your 401(k) Distribution Today Triggers Medicare Surcharges Two Years Later

He Needs $30,000 for a Roof and Furnace at 69. A New Maine Law Could Help Him Borrow Without Making More of His Social Security Taxable.

Retirement Has Three Spending Phases. Most Budgets Only Cover the First One.

He Paid Medicare’s $1,736 Hospital Deductible in January. After 60 Days at Home, He Owed It All Over Again.

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

He Sold Nothing in the 2022 Crash. He Swapped Into a Similar Fund for a Week, Booked $90,000 of Losses, and Hasn’t Paid Capital-Gains Tax Since.

Social Security’s $184,500 Wage Cap Is Under Fire. Here’s Exactly Who Would Pay More

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Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

He Sold Nothing in the 2022 Crash. He Swapped Into a Similar Fund for a Week, Booked $90,000 of Losses, and Hasn't Paid Capital-Gains Tax Since.