Personal Finance Articles

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6519 Articles

Michael Williams | Aug 12, 2026 at 5:48 AM EDT

Retire at 60 and You Can Harvest Nearly $100,000 of Gains at 0% Every Single Year. That’s a Decade of Free Resets Before RMDs Ever Start

A little-known provision in the tax code lets early retirees erase years of investment gains without paying a cent to…

Michael Williams | Aug 12, 2026 at 5:25 AM EDT

Let’s Be Real. For Most Retirees, Only One Big 55+ Community Actually Works

Tour five name-brand 55+ communities across three states and the brochures all promise the same dream, but sit down with…

Gerelyn Terzo | Aug 12, 2026 at 5:15 AM EDT

They Sold Their Home With a $650,000 Gain. The Extra $150,000 Made 85% of Their Social Security Taxable.

A home sale that looks completely tax-free on paper can quietly drag Social Security benefits into taxable income, and the…

Michael Williams | Aug 11, 2026 at 10:46 PM EDT

Leave Your Kids a Roth Instead of a Traditional IRA and They Get 10 Extra Years of Tax-Free Compounding plus a $0 Tax Bill at the End

The SECURE Act tucked a little-known inheritance loophole into the tax code back in 2019, and most IRA owners have…

Michael Williams | Aug 11, 2026 at 10:22 PM EDT

What It Takes to Retire in the Town With Florida Winters and Colorado Summers

Splitting retirement between a Gulf Coast condo and a Colorado mountain town sounds like the dream, but most couples budget…

Michael Williams | Aug 11, 2026 at 7:46 PM EDT

Your Bank Is Counting on You Not Reading This

The silence from your bank is intentional, and it is costing you more than you probably realize. A quick look…

Marc Guberti | Aug 11, 2026 at 7:22 PM EDT

The $90,000 Roth Conversion Sweet Spot: Why This 401(k) Move Saves $7,500 in Taxes

A married couple with $1.5 million in a traditional 401(k) has a narrow window before Social Security and required minimum…

Michael Williams | Aug 11, 2026 at 5:45 PM EDT

A Widow Can Inherit Her Husband’s Unused $15 Million Estate-Tax Exemption, Doubling Her Own, but Only If She Files a Form Almost No One Tells Her About

Most widows never file anything with the IRS after a spouse dies, and that silence is perfectly legal. It also…

Michael Williams | Aug 11, 2026 at 5:20 PM EDT

Everyone Talks About Moving to The Villages, Nobody Talks About the Cost of Leaving

Everyone runs the numbers on buying into The Villages, but almost no one runs the numbers on getting out, and…

Gerelyn Terzo | Aug 11, 2026 at 5:01 PM EDT

The Form She Signed Before a $1,800 MRI Left Her With the Whole Bill. It’s Called an ABN.

Buried in the clipboard stack before a routine scan sits a form that quietly decides whether a patient or a…

David Beren | Aug 11, 2026 at 4:24 PM EDT

The 4% Rule Turns $500,000 Into $1,667 a Month. A TIPS Ladder Pays About $2,340, Guaranteed. Almost Nobody Builds One.

Retirees recite the 4% rule like scripture, but a lesser-known Treasury-backed strategy built from individual bonds quietly delivers a larger…

Marc Guberti | Aug 11, 2026 at 4:22 PM EDT

Why Affluent Couples Are Converting $1.4M 401(k)s Into Roth Accounts Before Age 73

The decade between retirement and required minimum distributions looks like a quiet stretch, but for couples sitting on seven-figure 401(k)s,…

Gerelyn Terzo | Aug 11, 2026 at 2:04 PM EDT

His Planner Said Never to Spend Principal. Protecting the 401(k) Prompted Him to Claim Social Security at 62.

The rule felt responsible: protect the 401(k), claim Social Security early, and never touch principal. But for millions of retirees,…

David Beren | Aug 11, 2026 at 12:27 PM EDT

Retirees Over 70½ Can Send $111,000 a Year From an IRA to Charity Tax-Free. The Average One Donates From Checking Instead.

Most retirees who qualify for one of the IRS's most powerful giving tools are still routing donations through the least…

Marc Guberti | Aug 11, 2026 at 11:23 AM EDT

The Rule of 55 Move That Lets Public Safety Workers Retire at 50 Without a $33,000 401(k) Penalty

A single signature on routine separation paperwork can cost a retiring public safety officer tens of thousands of dollars in…

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Personal Finance Articles

All Personal Finance Articles

Retire at 60 and You Can Harvest Nearly $100,000 of Gains at 0% Every Single Year. That’s a Decade of Free Resets Before RMDs Ever Start

Let’s Be Real. For Most Retirees, Only One Big 55+ Community Actually Works

They Sold Their Home With a $650,000 Gain. The Extra $150,000 Made 85% of Their Social Security Taxable.

Leave Your Kids a Roth Instead of a Traditional IRA and They Get 10 Extra Years of Tax-Free Compounding plus a $0 Tax Bill at the End

What It Takes to Retire in the Town With Florida Winters and Colorado Summers

Your Bank Is Counting on You Not Reading This

The $90,000 Roth Conversion Sweet Spot: Why This 401(k) Move Saves $7,500 in Taxes

A Widow Can Inherit Her Husband’s Unused $15 Million Estate-Tax Exemption, Doubling Her Own, but Only If She Files a Form Almost No One Tells Her About

Everyone Talks About Moving to The Villages, Nobody Talks About the Cost of Leaving

The Form She Signed Before a $1,800 MRI Left Her With the Whole Bill. It’s Called an ABN.

The 4% Rule Turns $500,000 Into $1,667 a Month. A TIPS Ladder Pays About $2,340, Guaranteed. Almost Nobody Builds One.

Why Affluent Couples Are Converting $1.4M 401(k)s Into Roth Accounts Before Age 73

His Planner Said Never to Spend Principal. Protecting the 401(k) Prompted Him to Claim Social Security at 62.

Retirees Over 70½ Can Send $111,000 a Year From an IRA to Charity Tax-Free. The Average One Donates From Checking Instead.

The Rule of 55 Move That Lets Public Safety Workers Retire at 50 Without a $33,000 401(k) Penalty

Nancy Pelosi Made Millions On Nvidia Options. Now She’s Betting $3 Million On 1 AI Energy Stock

Scott Bessent Wants to ‘Put the Fear of God’ Into Bond Vigilantes — Why This Midterm Ploy Could Backfire on Investors

This $105 Billion Vanguard Fund Warns It Could Become a Bet on a Single Stock

He Paid Himself $10,000 and Took $90,000 From His Body Shop as a Distribution. Then the IRS Looked Under the Hood and Social Security Followed.

A Data Center Developer Paid Him $75,000 to Keep His Farm Available. Social Security Did Not Treat the Option Check as Farm Earnings.

3 BDCs Yielding Big. A Roth Is the Only Place They Make Sense

Why These 5 Dividend Stocks Are Worth More in a Roth Than a Brokerage Account

Personal Finance Articles

All Personal Finance Articles

Retire at 60 and You Can Harvest Nearly $100,000 of Gains at 0% Every Single Year. That’s a Decade of Free Resets Before RMDs Ever Start

Let’s Be Real. For Most Retirees, Only One Big 55+ Community Actually Works

They Sold Their Home With a $650,000 Gain. The Extra $150,000 Made 85% of Their Social Security Taxable.

Leave Your Kids a Roth Instead of a Traditional IRA and They Get 10 Extra Years of Tax-Free Compounding plus a $0 Tax Bill at the End

What It Takes to Retire in the Town With Florida Winters and Colorado Summers

Your Bank Is Counting on You Not Reading This

The $90,000 Roth Conversion Sweet Spot: Why This 401(k) Move Saves $7,500 in Taxes

A Widow Can Inherit Her Husband’s Unused $15 Million Estate-Tax Exemption, Doubling Her Own, but Only If She Files a Form Almost No One Tells Her About

Everyone Talks About Moving to The Villages, Nobody Talks About the Cost of Leaving

The Form She Signed Before a $1,800 MRI Left Her With the Whole Bill. It’s Called an ABN.

The 4% Rule Turns $500,000 Into $1,667 a Month. A TIPS Ladder Pays About $2,340, Guaranteed. Almost Nobody Builds One.

Why Affluent Couples Are Converting $1.4M 401(k)s Into Roth Accounts Before Age 73

His Planner Said Never to Spend Principal. Protecting the 401(k) Prompted Him to Claim Social Security at 62.

Retirees Over 70½ Can Send $111,000 a Year From an IRA to Charity Tax-Free. The Average One Donates From Checking Instead.

The Rule of 55 Move That Lets Public Safety Workers Retire at 50 Without a $33,000 401(k) Penalty

Nancy Pelosi Made Millions On Nvidia Options. Now She’s Betting $3 Million On 1 AI Energy Stock

Scott Bessent Wants to ‘Put the Fear of God’ Into Bond Vigilantes — Why This Midterm Ploy Could Backfire on Investors

This $105 Billion Vanguard Fund Warns It Could Become a Bet on a Single Stock

Featured Reads

He Paid Himself $10,000 and Took $90,000 From His Body Shop as a Distribution. Then the IRS Looked Under the Hood and Social Security Followed.

A Data Center Developer Paid Him $75,000 to Keep His Farm Available. Social Security Did Not Treat the Option Check as Farm Earnings.