Personal Finance Articles

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6460 Articles

David Beren | Aug 10, 2026 at 10:23 AM EDT

A Roth Conversion Can Cut Your Lifetime Tax Bill. Timing Matters More Than Most Retirees Realize

Most retirees ask whether a Roth conversion makes sense, but that is the wrong question entirely. The timing and the…

David Beren | Aug 10, 2026 at 10:20 AM EDT

Social Security Pays the Average Couple $3,120 a Month. Here’s the Portfolio It Takes to Match It.

Replicating a guaranteed, inflation-adjusted retirement income stream from a personal portfolio costs far more than most households expect, and the…

Gerelyn Terzo | Aug 10, 2026 at 10:01 AM EDT

At 68, He Can Earn $100,000 Without Losing Social Security Benefits. He Still Pays $7,650 in Payroll Tax.

He started collecting Social Security at 66, then a foreman called with work he could not refuse. What he found…

Marc Guberti | Aug 10, 2026 at 9:07 AM EDT

Have a $450,000 401(k) and Want to Donate Before Year-End? Make Sure You Do This Now

Retirees who assume their 401(k) is the smartest place to fund a year-end charitable gift are walking into a tax…

Gerelyn Terzo | Aug 10, 2026 at 8:05 AM EDT

Social Isolation Can Quietly Wreck a Retiree’s Health. Original Medicare Won’t Spend a Cent to Prevent It.

When Margaret's bowling league disappeared and the diner closed, her Medicare card stayed in her wallet. Treating the health consequences…

AJ Tiarsmith | Aug 10, 2026 at 7:46 AM EDT

5.1 Million Retirees Are Paying a Hidden Medicare Surcharge, and That Number Keeps Going Up

Millions of retirees open a Medicare premium notice and discover they owe hundreds more per month than their neighbors, traced…

AJ Tiarsmith | Aug 10, 2026 at 7:22 AM EDT

HSAs Are One of the Best Accounts You Can Have, and ‘One of the Worst’ Things to Leave Your Kids

Your HSA might be the most powerful account in your retirement arsenal, but a single oversight in your estate plan…

Gerelyn Terzo | Aug 10, 2026 at 7:02 AM EDT

His Old Jingle Started Paying Royalties After He Retired. Social Security Treats It Differently From the Consulting Work He Does Now.

When royalty checks from a decades-old jingle land in the same mailbox as consulting fees from current clients, Social Security…

Michael Williams | Aug 10, 2026 at 6:07 AM EDT

How Much Do You Need Invested at 60 to Bridge the Gap Until Social Security at 70?

Retiring at 60 and waiting until 70 for Social Security sounds like a winning strategy, but the portfolio you need…

Gerelyn Terzo | Aug 10, 2026 at 6:04 AM EDT

A $2,400 Water Heater Nearly Pushed Him Into Social Security at 62. His 401(k) Held an Escape Hatch.

A broken water heater on a Tuesday morning put one 61-year-old on the edge of a Social Security decision that…

Michael Williams | Aug 10, 2026 at 5:47 AM EDT

‘I Don’t Think She’s Entitled to a Freaking Dime’: Dave Ramsey to Mom Debating Whether to Cut Estranged Daughter From Her Will

A mother with a broken heart and four kids asked Dave Ramsey one question about her will, and his answer…

Gerelyn Terzo | Aug 10, 2026 at 5:02 AM EDT

He Retired From the Oil Fields but Took $30,000 to Stay on Call. Social Security Counted It Before the Phone Rang.

A quiet phone and a fat retainer check felt like the perfect retirement side deal until a Social Security notice…

Michael Williams | Aug 9, 2026 at 11:34 PM EDT

How to Build $13,000 a Month in Dividend Income From Three Income Buckets

Reaching $13,000 a month in dividends sounds like a capital problem, but the real trap is choosing the wrong yield…

Michael Williams | Aug 9, 2026 at 10:46 PM EDT

‘You’re Gonna Have Two Kids at 30 Paying Off This Loan’: Dave Ramsey to 20-Year-Old Plotting $75,000 Flight School

She paid off $13,000 in medical debt at 19, landed a $70,000 job at 20, and now wants flight school…

Michael Williams | Aug 9, 2026 at 6:32 PM EDT

How a 61-Year-Old Built a $3,500 Monthly Paycheck From Just Two Funds: SCHD and JEPQ

Two funds, two very different income strategies, and one critical tradeoff that determines whether a retiree runs out of money…

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Personal Finance Articles

All Personal Finance Articles

A Roth Conversion Can Cut Your Lifetime Tax Bill. Timing Matters More Than Most Retirees Realize

Social Security Pays the Average Couple $3,120 a Month. Here’s the Portfolio It Takes to Match It.

At 68, He Can Earn $100,000 Without Losing Social Security Benefits. He Still Pays $7,650 in Payroll Tax.

Have a $450,000 401(k) and Want to Donate Before Year-End? Make Sure You Do This Now

Social Isolation Can Quietly Wreck a Retiree’s Health. Original Medicare Won’t Spend a Cent to Prevent It.

5.1 Million Retirees Are Paying a Hidden Medicare Surcharge, and That Number Keeps Going Up

HSAs Are One of the Best Accounts You Can Have, and ‘One of the Worst’ Things to Leave Your Kids

His Old Jingle Started Paying Royalties After He Retired. Social Security Treats It Differently From the Consulting Work He Does Now.

How Much Do You Need Invested at 60 to Bridge the Gap Until Social Security at 70?

A $2,400 Water Heater Nearly Pushed Him Into Social Security at 62. His 401(k) Held an Escape Hatch.

‘I Don’t Think She’s Entitled to a Freaking Dime’: Dave Ramsey to Mom Debating Whether to Cut Estranged Daughter From Her Will

He Retired From the Oil Fields but Took $30,000 to Stay on Call. Social Security Counted It Before the Phone Rang.

How to Build $13,000 a Month in Dividend Income From Three Income Buckets

‘You’re Gonna Have Two Kids at 30 Paying Off This Loan’: Dave Ramsey to 20-Year-Old Plotting $75,000 Flight School

How a 61-Year-Old Built a $3,500 Monthly Paycheck From Just Two Funds: SCHD and JEPQ

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

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.

Social Security’s $184,500 Wage Cap Is Under Fire. Here’s Exactly Who Would Pay More

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

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.

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

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.

Personal Finance Articles

All Personal Finance Articles

A Roth Conversion Can Cut Your Lifetime Tax Bill. Timing Matters More Than Most Retirees Realize

Social Security Pays the Average Couple $3,120 a Month. Here’s the Portfolio It Takes to Match It.

At 68, He Can Earn $100,000 Without Losing Social Security Benefits. He Still Pays $7,650 in Payroll Tax.

Have a $450,000 401(k) and Want to Donate Before Year-End? Make Sure You Do This Now

Social Isolation Can Quietly Wreck a Retiree’s Health. Original Medicare Won’t Spend a Cent to Prevent It.

5.1 Million Retirees Are Paying a Hidden Medicare Surcharge, and That Number Keeps Going Up

HSAs Are One of the Best Accounts You Can Have, and ‘One of the Worst’ Things to Leave Your Kids

His Old Jingle Started Paying Royalties After He Retired. Social Security Treats It Differently From the Consulting Work He Does Now.

How Much Do You Need Invested at 60 to Bridge the Gap Until Social Security at 70?

A $2,400 Water Heater Nearly Pushed Him Into Social Security at 62. His 401(k) Held an Escape Hatch.

‘I Don’t Think She’s Entitled to a Freaking Dime’: Dave Ramsey to Mom Debating Whether to Cut Estranged Daughter From Her Will

He Retired From the Oil Fields but Took $30,000 to Stay on Call. Social Security Counted It Before the Phone Rang.

How to Build $13,000 a Month in Dividend Income From Three Income Buckets

‘You’re Gonna Have Two Kids at 30 Paying Off This Loan’: Dave Ramsey to 20-Year-Old Plotting $75,000 Flight School

How a 61-Year-Old Built a $3,500 Monthly Paycheck From Just Two Funds: SCHD and JEPQ

Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

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.

Social Security’s $184,500 Wage Cap Is Under Fire. Here’s Exactly Who Would Pay More

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Her Advisor Said Wait Until 70. At 66, She Chose Time to Enjoy Social Security Over an 8%-a-Year Raise.

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.