Financial problems and mental health are often linked. Chelsea, a 30-year-old single woman, said two years of an aggressive debt payoff had left her socially isolated. She called into the Ramsey Show recently, questioning…
Saving money is often trickier in reality than it sounds in theory. But it doesn’t have to be complicated. Several common mistakes can slowly drain savings over time, from small everyday spending leaks to…
The American dream of home ownership seems out of reach for many young couples. In an age of record-high property prices and low inventory, people need to readjust their expectations, said George Kamel on…
A pension does something many retirees never fully account for: it can fundamentally change how aggressively they can draw from an investment portfolio. For a 65-year-old with $1.1 million in savings, a $2,400 monthly…
Caitlin, 27, from Shreveport, La., called The Ramsey Show recently with a story that starts with identity theft and ends with a question many people ask: How do I fix my credit score? “Whenever…
Even though we’re not even halfway through 2026, a lot of seniors on Social Security are already thinking about 2027. Specifically, they’re wondering what cost-of-living adjustment (COLA) to expect in the new year. Many…
On a recent episode of Thoughtful Money with Adam Taggart, 29-year-old investor Peter Slegers described how he tracks his 18-company portfolio. He ignores price ticks and instead totals the free cash flow generated by…
Jackie Cummins Koski, co-host of the Catching Up to FI podcast, made the case on episode 210 that most near-retirees are solving the wrong equation. “80% of personal finance, including Social Security, is psychological…
If you work for a state government, city, county, school district, or public university, you likely have access to a retirement account that most private-sector workers never hear about. The governmental 457(b) plan lets…
A 58-year-old physician running a solo practice can legally shelter $374,000 from federal income taxes this year by combining a cash balance plan with a 401(k). Most accountants know about the 401(k). Few bring…
A 35-year-old software engineer earning $220,000 can’t contribute directly to a Roth IRA. The income limit phases out completely for single filers above $168,000 in 2026. Instead of skipping the Roth entirely, she makes…
Buying a home is one of the biggest financial decisions you’ll ever make, and it comes with a steep learning curve. While juggling tons of information related to loans, realtor fees, or inspections, unexpected…
George Kamel did not mince words when a 24-year-old newlywed called into The Ramsey Show asking whether he should skip a vacation to save more for a house. "You guys are going to be…
If you’re a retiree who receives Social Security and are worried about benefit cuts, you’re in good company. There’s been talk of benefit cuts for years. And the program’s Trustees even said last year…
On a recent episode of The Clark Howard Podcast, John from North Carolina asked which cars are cheapest to insure. Clark Howard pointed out that it typically costs more to insure electric vehicles. “You…
