Marc Guberti

Marc Guberti is a personal finance writer who has written for US News & World Report, Business Insider, Newsweek and other publications. He also hosts the Breakthrough Success Podcast which teaches listeners how to use content marketing to grow their businesses.

Marc Guberti | Apr 27, 2026 at 8:18 AM EDT

Why High Earners Are Funneling $7,500 a Year Through a Backdoor Roth IRA Even After Maxing Their 401(k)

A 35-year-old software engineer earning $220,000 can’t contribute directly to a Roth IRA. The income limit phases out completely for…

Marc Guberti | Apr 26, 2026 at 10:18 AM EDT

The Inherited IRA Tax Bomb: Why a $500,000 Inheritance Could Cost Your Kids $125,000 in Taxes

Your parent spent 40 years building a $500,000 traditional IRA. When they leave it to you, the IRS becomes your…

Marc Guberti | Apr 26, 2026 at 9:18 AM EDT

The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

A 58-year-old earning $280,000 a year has already maxed their pre-tax 401(k) deferral. What most do not know is…

Marc Guberti | Apr 25, 2026 at 9:18 AM EDT

Why Public School Teachers and State Workers Can Save $65,000 a Year for Retirement While Most Americans Max Out at $24,500

A public school teacher at 55 with a 403(b) and access to a governmental 457(b) plan can legally shelter $65,000…

Marc Guberti | Apr 24, 2026 at 8:18 AM EDT

How To Use 3 Retirement Accounts To Pay No Federal Taxes in Retirement

A married couple, both 67, holds $1.2 million in a traditional 401(k), a $300,000 Roth IRA, and a $200,000 taxable…

Marc Guberti | Apr 23, 2026 at 10:18 AM EDT

The 5-Year Roth Conversion Ladder Early Retirees Use to Access Retirement Funds Penalty-Free Before 59 and a Half

You retired at 54 with $1.2 million in a traditional 401(k). Touch it before 59½ and the IRS charges a…

Marc Guberti | Apr 23, 2026 at 8:18 AM EDT

The Year-End Tax Move That Turns Capital Losses in a Brokerage Account Into Tax-Free Roth Dollars

You sold a losing position in March, locked in a real loss, and now you’re sitting on a taxable account…

Marc Guberti | Apr 20, 2026 at 12:59 PM EDT

I need a job that pays more than $100k, is low stress, and has good work life balance – where should I look?

Many people seek jobs that offer a good combination of high pay and low stress. While most jobs require giving…

Marc Guberti | Apr 18, 2026 at 2:18 PM EDT

The Triple-Tax-Free Account High Earners Are Funding Before Their 401(k) and Most People Have No Idea

A high earner in their 50s maxing out a 401(k) every year is likely leaving the single most tax-efficient account…

Marc Guberti | Apr 16, 2026 at 6:30 AM EDT

3 Big Advantages of a 15-Year Mortgage

Buying a house is a complex process full of important decisions, one of the most significant being your mortgage. Choosing…

Marc Guberti | Apr 1, 2026 at 6:30 AM EDT

What High-Income Earners Can Do to Pay Less in Taxes

A 36-year-old software engineer recently posted a screenshot of his annual income in the Salary subreddit. His gross pay is…

Marc Guberti | Mar 30, 2026 at 12:41 PM EDT

Retirees Are Ditching Stock Picking for This 6% Income Strategy

Stock picking can lead to tremendous returns, but choosing the wrong investments can set your retirement back by a few…

Marc Guberti | Mar 29, 2026 at 3:21 PM EDT

Can $500,000 Really Pay You $2,000 a Month in Dividends

Investing more money into dividend stocks will translate into more cash flow, and some retirees aim to use that simple…

Marc Guberti | Mar 28, 2026 at 5:46 PM EDT

How Much You Actually Need to Replace a $75K Salary With Dividends in 2026

It’s possible to replace your salary with dividend stocks, even if you need to replace $75,000. While Social Security benefits,…

Marc Guberti | Mar 23, 2026 at 3:30 PM EDT

Most Retirees Have Never Heard of These 2 ETFs — Their Portfolios Suffer Because of It

Many retirees focus on ETFs that generate high cash flow and have low volatility. The Schwab U.S. Dividend Equity ETF…

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Marc Guberti

Why High Earners Are Funneling $7,500 a Year Through a Backdoor Roth IRA Even After Maxing Their 401(k)

The Inherited IRA Tax Bomb: Why a $500,000 Inheritance Could Cost Your Kids $125,000 in Taxes

The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

Why Public School Teachers and State Workers Can Save $65,000 a Year for Retirement While Most Americans Max Out at $24,500

How To Use 3 Retirement Accounts To Pay No Federal Taxes in Retirement

The 5-Year Roth Conversion Ladder Early Retirees Use to Access Retirement Funds Penalty-Free Before 59 and a Half

The Year-End Tax Move That Turns Capital Losses in a Brokerage Account Into Tax-Free Roth Dollars

I need a job that pays more than $100k, is low stress, and has good work life balance – where should I look?

The Triple-Tax-Free Account High Earners Are Funding Before Their 401(k) and Most People Have No Idea

3 Big Advantages of a 15-Year Mortgage

What High-Income Earners Can Do to Pay Less in Taxes

Retirees Are Ditching Stock Picking for This 6% Income Strategy

Can $500,000 Really Pay You $2,000 a Month in Dividends

How Much You Actually Need to Replace a $75K Salary With Dividends in 2026

Most Retirees Have Never Heard of These 2 ETFs — Their Portfolios Suffer Because of It

Wall Street is Braced for Massive Inflation Numbers Wednesday Morning. Here’s What Numbers Could Cause Stocks to Sink or Soar.

3 Robotics Stocks in the M&A Spotlight in 2026

Forget VOO: Fidelity’s Tech ETF Is Up 29% While the Broad Market Lags

The Dividend Growth Path That Hauls in a Bigger Paycheck Than Your HR Rep

The 401(k) Bracket Smoothing Math: Why a 66 Year Old Couple With $1.5 Million Should Convert Exactly $90,000 a Year

Wall Street is Braced for Massive Inflation Numbers Wednesday Morning. Here’s What Numbers Could Cause Stocks to Sink or Soar.

3 Robotics Stocks in the M&A Spotlight in 2026

Marc Guberti

Why High Earners Are Funneling $7,500 a Year Through a Backdoor Roth IRA Even After Maxing Their 401(k)

The Inherited IRA Tax Bomb: Why a $500,000 Inheritance Could Cost Your Kids $125,000 in Taxes

The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

Why Public School Teachers and State Workers Can Save $65,000 a Year for Retirement While Most Americans Max Out at $24,500

How To Use 3 Retirement Accounts To Pay No Federal Taxes in Retirement

The 5-Year Roth Conversion Ladder Early Retirees Use to Access Retirement Funds Penalty-Free Before 59 and a Half

The Year-End Tax Move That Turns Capital Losses in a Brokerage Account Into Tax-Free Roth Dollars

I need a job that pays more than $100k, is low stress, and has good work life balance – where should I look?

The Triple-Tax-Free Account High Earners Are Funding Before Their 401(k) and Most People Have No Idea

3 Big Advantages of a 15-Year Mortgage

What High-Income Earners Can Do to Pay Less in Taxes

Retirees Are Ditching Stock Picking for This 6% Income Strategy

Can $500,000 Really Pay You $2,000 a Month in Dividends

How Much You Actually Need to Replace a $75K Salary With Dividends in 2026

Most Retirees Have Never Heard of These 2 ETFs — Their Portfolios Suffer Because of It

Wall Street is Braced for Massive Inflation Numbers Wednesday Morning. Here’s What Numbers Could Cause Stocks to Sink or Soar.

3 Robotics Stocks in the M&A Spotlight in 2026

Forget VOO: Fidelity’s Tech ETF Is Up 29% While the Broad Market Lags

Featured Reads

The Dividend Growth Path That Hauls in a Bigger Paycheck Than Your HR Rep

The 401(k) Bracket Smoothing Math: Why a 66 Year Old Couple With $1.5 Million Should Convert Exactly $90,000 a Year