The 3 Best Energy ETFs to Own as Oil Volatility Returns in 2026
Crude oil has whipsawed traders in 2026 with a violence not seen in years. WTI bottomed at about $56 in early January, then ripped to nearly $115 by early April as the de facto…
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Your Roth IRA Isn’t Locked Until 59½, You Can Pull Every Dollar You Contributed, Anytime, Tax-Free
If you have a Roth IRA, you have an emergency fund hiding in plain sight. Every dollar you personally contributed, not the growth, just your contributions, can come out anytime, at any age, with…
Medicare Still Won’t Buy Your Hearing Aids, and They Run Up to $7,000
A 68-year-old walks out of an audiologist’s office with a quote for a mid-range pair of hearing aids: $5,800. She is on Original Medicare and assumed the fitting and the devices would be covered,…
Here’s How You Can Retire to a Beach Town in Panama at 60 Where Your Dollar Goes Further
We get this question almost weekly: I have a portfolio, I want out at 60, and I keep hearing that a beach town in Panama is the smartest dollar move in the hemisphere. Is…
Will the Collapse of the U.S.-Iran Truce Force the Fed to Raise Rates Again?
The market spent much of the week celebrating what appeared to be a major geopolitical breakthrough. The memorandum of understanding (MOU) signed between the U.S. and Iran helped calm fears of a broader regional…
He Inherited His Late Wife’s $250K Roth. But the 3-Year-Old Account Came With a Tax Catch.
A 66-year-old widower opens the brokerage statement and sees roughly $250,000 in the Roth IRA his wife opened about three years before she died. He assumes the whole balance is tax-free to withdraw whenever…
Mom Wants Her Farm Animals Cared for After She’s Gone. Her Son Doesn’t Want the Farm. What Happens Next?
An 86-year-old widow is an animal lover who owns a paid-off farm worth roughly $289,000 near Bluefield, West Virginia. She shares it with four dogs, six cats, one Highland cow, and fourteen show chickens.…
Why Retirees With $1.4 Million in a 401(k) Are Moving to Costa Rica Before Their First RMD at 73
A 72-year-old couple sitting on a $1.4 million traditional 401(k) has roughly eighteen months before the IRS forces money out of the account. The first required minimum distribution at age 73 lands about $52,830…
The HSA Receipt Trick: Pay Medical Bills Now, Reimburse Yourself in 30 Years, Grow the Money Tax-Free in Between
If you have a Health Savings Account, you already own one of the strangest tax loopholes in the IRS code, and almost nobody uses it. Here it is: you can pay a medical bill…
Here’s How You Can Retire to Palm Springs at 62 With a Pool and Warm Winters
Someone in their late fifties falls for Palm Springs on a long weekend, spots a mid-century pool home on Zillow, and wonders if retiring there at 62 is feasible. The answer: it can work,…
‘You Do Not Get to Own a $17,000 Truck When You’re Taking Welfare to Pay for Your Kids’: Dave Ramsey’s Blunt Advice to a Mom Drowning in $34,000 of Debt
On the May 29, 2026 episode of The Ramsey Show titled "Fix The Money Mess That's Stressing You Out," a stay-at-home mom named Brianna called in with a sentence that stopped Dave Ramsey cold:…
You Won’t Believe How Many Americans Over 55 Have Less Than $50,000 Saved
If you read the retirement headlines and feel comforted, you have probably been looking at Fidelity’s numbers. The average 401(k) balance for someone aged 55 to 59 is $244,900, and for 60 to 64…
This Is How Much the Average American in Their 40s Has Saved for Retirement. Most Experts Say It’s Half of What They Need.
If you are in your 40s, the retirement math has quietly turned against you. Fidelity says you should have roughly three times your salary saved by age 40 and six times by age 50.…
RFK Jr. Recommends Social Security Immediately “Reduce Scheduled Benefits by 25.2%” as Insolvency Looms
The 2026 Social Security Trustees Report, signed by Secretary Robert F. Kennedy Jr., contains a line that would shake any retiree reading it carefully: scheduled benefits would need to be cut by 25.2% to…
USO Up 65% This Year, Down 77% From What It Should Be
If you bought the United States Oil Fund (NYSEARCA:USO) ten years ago to ride a long-term crude rebound, you are sitting on a total return of 22.46%. Crude oil itself has swung from $16.55…