Joel South |
3 REITs Whose Dividends Get Hammered by Taxes, Unless You Own Them in a Roth
Holding high-yield net-lease REITs in the wrong account quietly erodes thousands of dollars in dividend income every single year, and…
Joel South |
These 4 Dividend Stocks Yield Over 7%. Roth Owners Keep Every Penny
Ordinary dividends from BDCs and MLPs hand a significant slice of every payout straight to the IRS, but one account…
Joel South |
3 Dividend Stocks to Buy Before August Ends and Hold for Life
While speculation runs hot and patience gets punished, three Dividend Kings with unbroken raise streaks spanning decades just posted results…
Joel South |
4 Low-Cost ETFs Every Investor Should Own
A four-fund portfolio can cover every major slice of the US market while keeping fees so low they barely register,…
Joel South |
3 Data Center Stocks Powering the AI Buildout
The AI spending boom has moved past GPUs and into the physical infrastructure holding it all together, and three US-listed…
Gerelyn Terzo |
He Was Laid Off at 63 and Thought Social Security Ruled Out Unemployment. He Was Wrong.
One assumption cost a 63-year-old laid-off operations manager weeks of benefits before he filed a single form, and it was…
Maurie Backman |
Social Security’s 40 Work Credit Rule: Why Some Seniors Don’t Qualify for Retirement Benefits
Millions of retirees reach their 60s expecting Social Security checks that never arrive, not because of age or income, but…
Gerelyn Terzo |
They Moved to Florida for a $200,000 Roth Conversion. Spending 184 Days Back in New York Could Undo the Tax Savings.
Changing a driver's license and registering to vote in Florida takes an afternoon, but New York State auditors have a…
Gerelyn Terzo |
The $4.2 Million Couple Left New York to Save on Roth Conversions. One Medicare Bill Followed Them to Florida.
Moving to Florida can strip state income tax from a Roth conversion ladder, but one federal rule that has nothing…
Gerelyn Terzo |
Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.
Her financial advisor keeps pointing to a bigger check at 70, but she keeps thinking about her knees and a…
David Beren |
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.
A single week of tactical fund-swapping during the 2022 market collapse handed one investor a tax asset large enough to…
Maurie Backman |
Social Security’s $184,500 Wage Cap Is Under Fire. Here’s Exactly Who Would Pay More
Social Security faces a trust fund deadline that could trigger sweeping benefit cuts, and one proposed fix would shift billions…
David Beren |
The Spendthrift Clause: One Paragraph That Keeps Your Son’s Divorce, and His Creditors, Away From the Money You Leave Him.
Most estate plans already contain the paragraph that shields an inheritance from a son's creditors and divorcing spouse, yet a…
David Beren |
At 59½ Your 401(k) Quietly Unlocks While You’re Still Working. The In-Service Rollover Nobody in HR Will Ever Mention to You.
Most workers hitting 59½ keep staring at the same limited fund menu inside their 401(k), unaware their plan may already…
Jake Fitzgerald |
The Overtime Tax Break Only Counts the “Half,” Not the “Time-and-a-Half.” Most Workers Are Overestimating It by Double
Millions of workers are budgeting around an overtime tax break that delivers a fraction of what they expect, and the…
David Beren |
How a 56-Year-Old Turned a $735,000 401(k) Rollover Into a $4,300 Monthly Paycheck Without Buying an Annuity
Building a $4,300 monthly paycheck from a 401(k) rollover sounds straightforward until the math across three yield tiers reveals how…
David Beren |
New for 2026: Workers 60 to 63 Can Put Away an Extra $11,250. Almost Nobody Does.
The IRS created the most generous pre-tax retirement window in history for workers in their early 60s, but the math…
David Beren |
Want $10,000 a Year on $100K? The Private-Credit Funds Banks Can’t Compete With Pay 10%+
BIZD's double-digit yield looks like a private-credit shortcut, but a hidden fee structure quietly eats into returns in a way…
David Beren |
This Fund Pays 400% of the S&P’s Dividend and Still Beat Half of Wall Street This Year
SPY's quarterly dividend barely registers as income, but a lesser-known fund holding the exact same 500 companies has quietly rewired…
David Beren |
The Real Cost of Retiring in Palm Springs, California, on Social Security and a Small Pension
Palm Springs promises pool weather and walkable streets, but a land lease trap hiding beneath attractively priced homes can quietly…
