On a recent Ramsey Show segment, a caller named Todd admitted he had run up credit card debt buying Pokemon cards he planned to flip for profit. Dave Ramsey did not soften the diagnosis.…
The corporate VP three years from retirement has been maxing the 401(k) for two decades. The elective deferral cap at $24,500 in 2026, plus an $8,000 catch-up after age 50, only soaks up a…
On a recent episode of The Ramsey Show, a caller named Jack laid out a story that stopped Dave Ramsey cold. After his father died, Jack’s widowed mother spent $1.1 million on cruise ship…
If you’re a firefighter, one federal rule quietly shrank your Social Security check for decades. In January 2025, Congress repealed it. The catch: what happens next depends on how your department participates (or doesn’t)…
A 62-year-old divorcee called into The Ramsey Show with a portfolio most Americans will never see. She has zero debt, a paid-off car, no rent because she lives with a partner, and roughly $1.5…
Electricians who work under an IBEW collective bargaining agreement earn one of the last real pensions left in the American workforce, usually a defined-benefit plan through the National Electrical Benefit Fund (NEBF) plus a…
Bill Perkins runs a hedge fund, wrote Die With Zero, and lives on a Caribbean island where he watches retired tourists shuffle off cruise ships. On a recent "All the Hacks" episode, he argued…
A widower inherits his late wife's Roth IRA. The balance shows $250,000, and he assumes the entire account is his to use tax-free. Then his accountant flags a problem. The Roth was only opened…
The Income-Related Monthly Adjustment Amount, known as IRMAA, is the Medicare surcharge that raises Part B and Part D premiums for higher-income retirees. It applies to roughly 8% of people with Medicare Part B…
The likely path is a slow drift, with no move expected this week. The Federal Reserve has held its policy rate steady for about seven months, and the market is not pricing an imminent…
She is 63, divorced after a long marriage, currently unmarried, and finally feels ready to turn on a Social Security check. She did the homework, confirmed the 10-year marriage rule, and walked into the…
Options-income ETFs live and die by implied volatility, which is why the market’s early read on new Fed Chair Kevin Warsh matters for a fund like the Goldman Sachs S&P 500 Premium Income ETF…
The pitch for iShares 20+ Year Treasury Bond BuyWrite Strategy ETF (BATS:TLTW) is seductive in a jittery economy. You collect a distribution rate of 11.7% while sitting on long-dated Treasuries that are supposed to…
The pitch for covered-call ETFs is the same everywhere. Trade some upside for a fat monthly check. The reality, as anyone holding JPMorgan Equity Premium Income ETF (NYSEARCA:JEPI) through 2026 can tell you, is…
The WisdomTree U.S. Quality Dividend Growth Fund (NASDAQ:DGRW) pays a trailing yield of roughly 1.28%, which sounds thin for something with “Dividend” in its name and downright embarrassing next to the 3%-plus yields on…
