Personal Finance Articles

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4581 Articles

David Beren | May 13, 2026 at 9:35 AM EDT

Nearly 50% of Americans Have No Written Financial Plan, and the Allianz Study Just Put a Number on How Much That Costs Them

Nearly half of Americans are saving without a roadmap, and a recent Allianz study has put a sharp number on…

Christy Bieber | May 13, 2026 at 9:19 AM EDT

There Is One Situation Where Claiming Social Security Benefits After FRA Almost Never Makes Sense

When it comes to claiming Social Security retirement benefits, the common advice is to start your payments as late as…

Maurie Backman | May 13, 2026 at 9:10 AM EDT

Dave Ramsey’s Stealth Social Security Strategy May Not Work For You

When it comes to claiming Social Security, you have many options. You could sign up for benefits as early as…

Austin Smith | May 13, 2026 at 9:10 AM EDT

The Widow’s Penalty: How a $1.6 Million 401(k) Can Trigger Medicare Surcharges and Double Your Tax Rate

A married couple, both 70, sitting on $1.8 million in combined traditional 401(k)s and $32,000 a year in combined Social…

Maurie Backman | May 13, 2026 at 8:13 AM EDT

How Social Security Benefit Cuts Should Change Your Retirement Planning

Social Security serves as a critical income stream for millions of retirees right now. But in the coming years, the…

Gerelyn Terzo | May 13, 2026 at 7:55 AM EDT

The Social Security Earnings Test Retirees Get Wrong. And It Could Cost Them Thousands.

Picture a woman who turns 67 in October 2026. That is her full retirement age (FRA), the point at which…

Austin Smith | May 13, 2026 at 7:55 AM EDT

A 67-Year-Old With $2 Million in a 401(k) Discovers RMDs Will Trigger a $400,000 Tax Bill

The retiree who built a $2 million traditional 401(k) by age 67 did everything right. Maxed contributions for decades. Captured…

Christy Bieber | May 13, 2026 at 7:54 AM EDT

What Will Actually Happen to Your Social Security If the Trust Fund Runs Dry?

Social Security’s trust fund is at risk of running dry. There’s no question about whether this will occur on the…

Marc Guberti | May 13, 2026 at 6:56 AM EDT

Why Hospital Executives Are Quietly Stacking a Second Plan and Saving $40,000 More in Taxes

A 52-year-old hospital vice president earning $310,000 at a university medical center maxed her 403(b) during open enrollment and assumed…

Gerelyn Terzo | May 13, 2026 at 6:20 AM EDT

Why Workers Who Claim Early and Keep Working Recover Withheld Benefits at 67

A retired plumber, 65, claimed Social Security two years ago at age 63 and locked in a reduced benefit of…

Gerelyn Terzo | May 13, 2026 at 5:45 AM EDT

How Part-Time Work at 64 Can Defer $13K in Social Security Benefits This Year

Picture a 64-year-old who claimed Social Security at age 62 because the bills were closer than the cushion. Two years…

Austin Smith | May 13, 2026 at 5:20 AM EDT

How a 65-Year-Old Extracts $50,000 Annually From a $1.3 Million 401(k) and Avoids the IRMAA Medicare Trap

A single 65-year-old just retired with $1.3 million in a traditional 401(k), $80,000 in a Roth IRA (the 5-year clock…

Jeremy Phillips | May 13, 2026 at 4:11 AM EDT

That 8% Yield on JEPI Is Actually 5.5% After Taxes: Here’s Why High Earners Should Know the Difference

On a recent episode of the Rich Habits Podcast titled “169: Our Favorite Passive Income Strategy (2026),” co-host Austin laid…

Jeremy Phillips | May 13, 2026 at 3:46 AM EDT

I’m 69, Retired With $1.5 Million in 85% Stocks: Am I Taking Too Much Risk?

Francisco called into Talking Real Money with a $1.5 million Vanguard portfolio, an average expense ratio of 0.06%, about $42,000…

Jeremy Phillips | May 13, 2026 at 3:05 AM EDT

I’m 56 With $3.2M Saved for Retirement: My Husband Says Healthcare Costs Mean I Can’t Afford to Retire Early. Is He Right?

On a recent episode of HerMoney with Jean Chatzky, a 56-year-old listener named Louise laid out a problem that sounds…

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Personal Finance Articles

All Personal Finance Articles

Nearly 50% of Americans Have No Written Financial Plan, and the Allianz Study Just Put a Number on How Much That Costs Them

There Is One Situation Where Claiming Social Security Benefits After FRA Almost Never Makes Sense

Dave Ramsey’s Stealth Social Security Strategy May Not Work For You

The Widow’s Penalty: How a $1.6 Million 401(k) Can Trigger Medicare Surcharges and Double Your Tax Rate

How Social Security Benefit Cuts Should Change Your Retirement Planning

The Social Security Earnings Test Retirees Get Wrong. And It Could Cost Them Thousands.

A 67-Year-Old With $2 Million in a 401(k) Discovers RMDs Will Trigger a $400,000 Tax Bill

What Will Actually Happen to Your Social Security If the Trust Fund Runs Dry?

Why Hospital Executives Are Quietly Stacking a Second Plan and Saving $40,000 More in Taxes

Why Workers Who Claim Early and Keep Working Recover Withheld Benefits at 67

How Part-Time Work at 64 Can Defer $13K in Social Security Benefits This Year

How a 65-Year-Old Extracts $50,000 Annually From a $1.3 Million 401(k) and Avoids the IRMAA Medicare Trap

That 8% Yield on JEPI Is Actually 5.5% After Taxes: Here’s Why High Earners Should Know the Difference

I’m 69, Retired With $1.5 Million in 85% Stocks: Am I Taking Too Much Risk?

I’m 56 With $3.2M Saved for Retirement: My Husband Says Healthcare Costs Mean I Can’t Afford to Retire Early. Is He Right?

Why Affluent Couples Are Draining the Higher-Earning Spouse’s 401(k) First to Avoid the Widow’s Tax Penalty

Crypto Crash Today: Why Bitcoin, Ethereum, XRP, and Solana Are All Down Double Digits

Billionaire Bill Ackman’s Pershing Square Exits Universal Music After Failed Takeover Bids, Stock Slumps 7%

Why Affluent Couples Are Draining the Higher-Earning Spouse's 401(k) First to Avoid the Widow's Tax Penalty

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

Why Affluent Couples Are Draining the Higher-Earning Spouse’s 401(k) First to Avoid the Widow’s Tax Penalty

Crypto Crash Today: Why Bitcoin, Ethereum, XRP, and Solana Are All Down Double Digits

Personal Finance Articles

All Personal Finance Articles

Nearly 50% of Americans Have No Written Financial Plan, and the Allianz Study Just Put a Number on How Much That Costs Them

There Is One Situation Where Claiming Social Security Benefits After FRA Almost Never Makes Sense

Dave Ramsey’s Stealth Social Security Strategy May Not Work For You

The Widow’s Penalty: How a $1.6 Million 401(k) Can Trigger Medicare Surcharges and Double Your Tax Rate

How Social Security Benefit Cuts Should Change Your Retirement Planning

The Social Security Earnings Test Retirees Get Wrong. And It Could Cost Them Thousands.

A 67-Year-Old With $2 Million in a 401(k) Discovers RMDs Will Trigger a $400,000 Tax Bill

What Will Actually Happen to Your Social Security If the Trust Fund Runs Dry?

Why Hospital Executives Are Quietly Stacking a Second Plan and Saving $40,000 More in Taxes

Why Workers Who Claim Early and Keep Working Recover Withheld Benefits at 67

How Part-Time Work at 64 Can Defer $13K in Social Security Benefits This Year

How a 65-Year-Old Extracts $50,000 Annually From a $1.3 Million 401(k) and Avoids the IRMAA Medicare Trap

That 8% Yield on JEPI Is Actually 5.5% After Taxes: Here’s Why High Earners Should Know the Difference

I’m 69, Retired With $1.5 Million in 85% Stocks: Am I Taking Too Much Risk?

I’m 56 With $3.2M Saved for Retirement: My Husband Says Healthcare Costs Mean I Can’t Afford to Retire Early. Is He Right?

Why Affluent Couples Are Draining the Higher-Earning Spouse’s 401(k) First to Avoid the Widow’s Tax Penalty

Crypto Crash Today: Why Bitcoin, Ethereum, XRP, and Solana Are All Down Double Digits

Billionaire Bill Ackman’s Pershing Square Exits Universal Music After Failed Takeover Bids, Stock Slumps 7%

Featured Reads

Why Affluent Couples Are Draining the Higher-Earning Spouse's 401(k) First to Avoid the Widow's Tax Penalty

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It