David Beren

David Beren has been a Flywheel Publishing contributor since 2022. Writing for 24/7 Wall St. since 2023, David loves to write about topics of all shapes and sizes. As a technology expert, David focuses heavily on consumer electronics brands, automobiles, and general technology. He has previously written for LifeWire, formerly About.com. As a part-time freelance writer, David’s “day job” has been working on and leading social media for multiple Fortune 100 brands. David loves the flexibility of this field and its ability to reach customers exactly where they like to spend their time. Additionally, David previously published his own blog, TmoNews.com, which reached 3 million readers in its first year. In addition to freelance and social media work, David loves to spend time with his family and children and relive the glory days of video game consoles by playing any retro game console he can get his hands on.

David Beren | Jun 6, 2026 at 12:44 PM EDT

57% Say They Haven’t Saved Enough, and the Data Confirms It

Retirement planning usually assumes a target date that the worker controls. The data say otherwise: 42% of retirees left the…

David Beren | Jun 6, 2026 at 12:11 PM EDT

SCHD’s $85 Billion Strategy Now Concentrates 41 Percent of Your Money in Just Ten Stocks

A 63-year-old retiree with $400,000 parked in the Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD) likely picked it for the 100-stock…

David Beren | Jun 6, 2026 at 11:37 AM EDT

67% of Americans Fear Outliving Their Money More Than Death Itself

A new finding from the Allianz Center for the Future of Retirement’s 2026 Annual Retirement Study puts a number on…

David Beren | Jun 6, 2026 at 10:36 AM EDT

Half of Thirtysomethings Prioritize Retirement Planning, but Only 29% Have an Actual Written Plan

Thirtysomethings show up in survey after survey as the age group most focused on getting their finances right. However, a…

David Beren | Jun 6, 2026 at 9:41 AM EDT

The Augusta Rule: How a Small Business Owner Pays Herself $20,000 of Tax-Free Income for Renting Her Own Home to Her Company

Most small business owners have never heard of IRC §280A(g), and their tax bills are higher because of it. The…

David Beren | Jun 6, 2026 at 9:34 AM EDT

When One Spouse Moves Into Assisted Living, the $500,000 Home-Sale Exclusion Quietly Drops to $250,000 If They Wait Too Long to Sell

Let’s assume, for a moment, that a home has been in the family for thirty years, and that the wife…

David Beren | Jun 5, 2026 at 4:37 PM EDT

The West’s Home Prices Just Fell 1.4% While the Rest of America Climbed. Here’s Why.

The National Association of Realtors’ April 2026 existing home sales report carries a national headline suggesting the housing market is…

David Beren | Jun 5, 2026 at 2:48 PM EDT

Most Americans in Their 20s Are Already Saving for Retirement, But 47% Guessed Their Savings Target

A new picture of how middle-class twentysomethings are handling retirement is emerging from the Transamerica Center for Retirement Studies, and…

David Beren | Jun 5, 2026 at 1:55 PM EDT

Why a 62-Year-Old Couple Bought a $480,000 Whole Life Policy as a Tax-Free Bond Substitute and How the Math Beats Their Taxable Account

The conventional wisdom on whole life insurance is that it is overpriced and better left to the insurance salesperson’s commission…

David Beren | Jun 5, 2026 at 12:54 PM EDT

Vanguard’s $223 Billion Growth ETF VUG Is Quietly Beating Most Large Cap Active Funds at One Tenth the Cost

The pitch for Vanguard Growth ETF (NYSEARCA:VUG) sits at the cheap end of a long-running debate about whether active stock…

David Beren | Jun 5, 2026 at 12:49 PM EDT

SPYI’s 12% Yield Was 95% Return of Capital Year to Date and That Is the Real Story Holders Need to See

A 64-year-old retiree with $200,000 parked in SPYI is told to expect roughly $24,000 a year at the headline yield.…

David Beren | Jun 5, 2026 at 11:41 AM EDT

43% of Twenty-somethings Are Already Caregivers, but Hidden Costs Could Be Quietly Wrecking Their Retirement

Caregiving used to be framed as a midlife problem. A worker in their fifties would step in to help an…

David Beren | Jun 5, 2026 at 10:31 AM EDT

Most Twentysomethings Are Already Saving for Retirement, But 47% Just Guessed How Much They Need

The twentysomething cohort is doing something past generations rarely did at the same age: they are actually saving for retirement.…

David Beren | Jun 4, 2026 at 3:56 PM EDT

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

All too often, middle-class Americans in their forties have a number in their head, and a number in their bank…

David Beren | Jun 4, 2026 at 12:32 PM EDT

One in Three Twentysomethings Has Two Jobs and 58% Have a Side Hustle. That’s Not a Trend, It’s a Retirement Warning Sign

The numbers describing the financial life of the average American twentysomething point to structural pressure rather than a generational quirk.…

1 2 3 4 5 6 … 118

David Beren

57% Say They Haven’t Saved Enough, and the Data Confirms It

SCHD’s $85 Billion Strategy Now Concentrates 41 Percent of Your Money in Just Ten Stocks

67% of Americans Fear Outliving Their Money More Than Death Itself

Half of Thirtysomethings Prioritize Retirement Planning, but Only 29% Have an Actual Written Plan

The Augusta Rule: How a Small Business Owner Pays Herself $20,000 of Tax-Free Income for Renting Her Own Home to Her Company

When One Spouse Moves Into Assisted Living, the $500,000 Home-Sale Exclusion Quietly Drops to $250,000 If They Wait Too Long to Sell

The West’s Home Prices Just Fell 1.4% While the Rest of America Climbed. Here’s Why.

Most Americans in Their 20s Are Already Saving for Retirement, But 47% Guessed Their Savings Target

Why a 62-Year-Old Couple Bought a $480,000 Whole Life Policy as a Tax-Free Bond Substitute and How the Math Beats Their Taxable Account

Vanguard’s $223 Billion Growth ETF VUG Is Quietly Beating Most Large Cap Active Funds at One Tenth the Cost

SPYI’s 12% Yield Was 95% Return of Capital Year to Date and That Is the Real Story Holders Need to See

43% of Twenty-somethings Are Already Caregivers, but Hidden Costs Could Be Quietly Wrecking Their Retirement

Most Twentysomethings Are Already Saving for Retirement, But 47% Just Guessed How Much They Need

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

One in Three Twentysomethings Has Two Jobs and 58% Have a Side Hustle. That’s Not a Trend, It’s a Retirement Warning Sign

Medicare Brokers Are Steering Retirees Into Worse Plans for Bigger Commissions

70-Year-Old Retiree Gifts $190,000 for Grandchild’s Down Payment. A Medicare Trap Follows.

How a $1,600 Pension Pushed a 68-Year-Old Into the 85% Social Security Taxable Zone

Medicare Brokers Are Steering Retirees Into Worse Plans for Bigger Commissions

70-Year-Old Retiree Gifts $190,000 for Grandchild's Down Payment. A Medicare Trap Follows.

Medicare Brokers Are Steering Retirees Into Worse Plans for Bigger Commissions

70-Year-Old Retiree Gifts $190,000 for Grandchild’s Down Payment. A Medicare Trap Follows.

David Beren

57% Say They Haven’t Saved Enough, and the Data Confirms It

SCHD’s $85 Billion Strategy Now Concentrates 41 Percent of Your Money in Just Ten Stocks

67% of Americans Fear Outliving Their Money More Than Death Itself

Half of Thirtysomethings Prioritize Retirement Planning, but Only 29% Have an Actual Written Plan

The Augusta Rule: How a Small Business Owner Pays Herself $20,000 of Tax-Free Income for Renting Her Own Home to Her Company

When One Spouse Moves Into Assisted Living, the $500,000 Home-Sale Exclusion Quietly Drops to $250,000 If They Wait Too Long to Sell

The West’s Home Prices Just Fell 1.4% While the Rest of America Climbed. Here’s Why.

Most Americans in Their 20s Are Already Saving for Retirement, But 47% Guessed Their Savings Target

Why a 62-Year-Old Couple Bought a $480,000 Whole Life Policy as a Tax-Free Bond Substitute and How the Math Beats Their Taxable Account

Vanguard’s $223 Billion Growth ETF VUG Is Quietly Beating Most Large Cap Active Funds at One Tenth the Cost

SPYI’s 12% Yield Was 95% Return of Capital Year to Date and That Is the Real Story Holders Need to See

43% of Twenty-somethings Are Already Caregivers, but Hidden Costs Could Be Quietly Wrecking Their Retirement

Most Twentysomethings Are Already Saving for Retirement, But 47% Just Guessed How Much They Need

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

One in Three Twentysomethings Has Two Jobs and 58% Have a Side Hustle. That’s Not a Trend, It’s a Retirement Warning Sign

Medicare Brokers Are Steering Retirees Into Worse Plans for Bigger Commissions

70-Year-Old Retiree Gifts $190,000 for Grandchild’s Down Payment. A Medicare Trap Follows.

How a $1,600 Pension Pushed a 68-Year-Old Into the 85% Social Security Taxable Zone

Featured Reads

Medicare Brokers Are Steering Retirees Into Worse Plans for Bigger Commissions

70-Year-Old Retiree Gifts $190,000 for Grandchild's Down Payment. A Medicare Trap Follows.