Personal Finance Articles

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5175 Articles

Austin Smith | Apr 17, 2026 at 6:15 AM EDT

The Inherited IRA Mistake That Pushes You Into a 35% Tax Bracket Overnight

Cashing out an inherited retirement account in a single year is one of the most expensive tax mistakes a beneficiary…

David Beren | Apr 16, 2026 at 4:48 PM EDT

The 401(k) to Roth IRA Rollover That Lets Retirees Pay Zero Taxes on Their Medicare Premiums

Medicare’s IRMAA surcharge turns Roth conversion timing into a premium management tool, and retirees with large traditional 401(k) balances face…

Gerelyn Terzo | Apr 16, 2026 at 12:34 PM EDT

Here’s What Social Security Actually Pays at 62, 67, and 70 in 2026

The chasm between what Social Security can pay and what it actually doles out to most retirees is wider than…

David Beren | Apr 16, 2026 at 10:47 AM EDT

The 401(k) Divorce Mistake That Costs Americans Thousands and How a Single Document Prevents It

A divorce settlement awards the non-participant spouse $200,000 from a $400,000 401(k). The divorce decree spells it out clearly. The…

Gerelyn Terzo | Apr 16, 2026 at 9:47 AM EDT

Your 401(k) Plan Blocks the Mega Backdoor Roth: Here’s How to Change It

You researched the Mega Backdoor Roth, ran the numbers, and got excited. Then you pulled up your 401(k) summary plan…

Drew Wood | Apr 16, 2026 at 9:00 AM EDT

The $40,000 Dividend Raise Hiding in These Four Tickers on a $600K Account

Four tickers, $600,000, and a target of $40,000 per year in dividend income. That math requires a blended yield of…

Gerelyn Terzo | Apr 16, 2026 at 8:45 AM EDT

Earning Above $153,000? Your December 31st Roth Conversion Window Just Closed for 2026

Every December, financial advisors ask high-earning clients: have you done your backdoor Roth yet? The mechanics are straightforward and the…

Carl Sullivan | Apr 16, 2026 at 8:05 AM EDT

Stop Doing the Roth IRA Right Now: Clark Howard’s Advice to MBA Candidate

Clark Howard, the personal finance radio host and podcaster, had what at first might seem like some unusual advice for…

Drew Wood | Apr 16, 2026 at 8:00 AM EDT

This $250,000 Income Portfolio Pays a $20,000 Annual Dividend

A $20,000 annual income stream requires roughly $571,000 at a 3.5% yield, $333,000 at 6%, or $250,000 at 8%. The…

Austin Smith | Apr 16, 2026 at 8:00 AM EDT

The $1,000 Monthly Car Payment Costing This Young Couple $8 Million in Wealth

At 21 years old, Bridger and his 20-year-old wife are eight months into their marriage, earning $55,000 combined, and carrying…

Austin Smith | Apr 16, 2026 at 7:38 AM EDT

Dave Ramsey’s Counterintuitive Advice to Guilty Parents: Stop Saving for Your Kids Now

A 30-year-old single mother called into The Ramsey Show carrying $74,000 in debt and a question about opening a 529…

Austin Smith | Apr 16, 2026 at 6:45 AM EDT

Young, Married, With a Baby on the Way: Dave Ramsey’s Blunt Answer on Motorcycles vs. Homes

Jordan is 20 years old, married, with a baby on the way, earning $70,000 a year. He got a larger-than-expected…

Carl Sullivan | Apr 16, 2026 at 6:36 AM EDT

Can You Use Whole Life Insurance to Create Generational Wealth?

Tyler called into The Clark Howard Podcast after someone told him that overfunded whole life insurance was a “no-brainer” for…

Marc Guberti | Apr 16, 2026 at 6:30 AM EDT

3 Big Advantages of a 15-Year Mortgage

Buying a house is a complex process full of important decisions, one of the most significant being your mortgage. Choosing…

Austin Smith | Apr 16, 2026 at 5:30 AM EDT

The $1,200 Question That Reveals If You’re Budgeting for Your Family or Your Ex-Spouse’s Reaction

A stepmom named Leslie called The Ramsey Show with a question that sounds like a $1,200 decision but is really…

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Personal Finance Articles

All Personal Finance Articles

The Inherited IRA Mistake That Pushes You Into a 35% Tax Bracket Overnight

The 401(k) to Roth IRA Rollover That Lets Retirees Pay Zero Taxes on Their Medicare Premiums

Here’s What Social Security Actually Pays at 62, 67, and 70 in 2026

The 401(k) Divorce Mistake That Costs Americans Thousands and How a Single Document Prevents It

Your 401(k) Plan Blocks the Mega Backdoor Roth: Here’s How to Change It

The $40,000 Dividend Raise Hiding in These Four Tickers on a $600K Account

Earning Above $153,000? Your December 31st Roth Conversion Window Just Closed for 2026

Stop Doing the Roth IRA Right Now: Clark Howard’s Advice to MBA Candidate

This $250,000 Income Portfolio Pays a $20,000 Annual Dividend

The $1,000 Monthly Car Payment Costing This Young Couple $8 Million in Wealth

Dave Ramsey’s Counterintuitive Advice to Guilty Parents: Stop Saving for Your Kids Now

Young, Married, With a Baby on the Way: Dave Ramsey’s Blunt Answer on Motorcycles vs. Homes

Can You Use Whole Life Insurance to Create Generational Wealth?

3 Big Advantages of a 15-Year Mortgage

The $1,200 Question That Reveals If You’re Budgeting for Your Family or Your Ex-Spouse’s Reaction

Let Your Dividends Do The Housework For You. Literally.

Forget Shell Stock, A Pipeline ETF Quietly Pays Retirees 7.79% Every Month and Still Returned 15% This Year

XRP’s ETF Inflow Streak Hit 8 Weeks but It’s Not Moving the XRP Price

Let Your Dividends Do The Housework For You. Literally.

"You Are So Vulnerable and So Unaware of How Vulnerable You Are": Dave Ramsey to Woman Paying Off Her Boyfriend's $15,000 Debt

Let Your Dividends Do The Housework For You. Literally.

Forget Shell Stock, A Pipeline ETF Quietly Pays Retirees 7.79% Every Month and Still Returned 15% This Year

Personal Finance Articles

All Personal Finance Articles

The Inherited IRA Mistake That Pushes You Into a 35% Tax Bracket Overnight

The 401(k) to Roth IRA Rollover That Lets Retirees Pay Zero Taxes on Their Medicare Premiums

Here’s What Social Security Actually Pays at 62, 67, and 70 in 2026

The 401(k) Divorce Mistake That Costs Americans Thousands and How a Single Document Prevents It

Your 401(k) Plan Blocks the Mega Backdoor Roth: Here’s How to Change It

The $40,000 Dividend Raise Hiding in These Four Tickers on a $600K Account

Earning Above $153,000? Your December 31st Roth Conversion Window Just Closed for 2026

Stop Doing the Roth IRA Right Now: Clark Howard’s Advice to MBA Candidate

This $250,000 Income Portfolio Pays a $20,000 Annual Dividend

The $1,000 Monthly Car Payment Costing This Young Couple $8 Million in Wealth

Dave Ramsey’s Counterintuitive Advice to Guilty Parents: Stop Saving for Your Kids Now

Young, Married, With a Baby on the Way: Dave Ramsey’s Blunt Answer on Motorcycles vs. Homes

Can You Use Whole Life Insurance to Create Generational Wealth?

3 Big Advantages of a 15-Year Mortgage

The $1,200 Question That Reveals If You’re Budgeting for Your Family or Your Ex-Spouse’s Reaction

Let Your Dividends Do The Housework For You. Literally.

Forget Shell Stock, A Pipeline ETF Quietly Pays Retirees 7.79% Every Month and Still Returned 15% This Year

XRP’s ETF Inflow Streak Hit 8 Weeks but It’s Not Moving the XRP Price

Featured Reads

Let Your Dividends Do The Housework For You. Literally.

"You Are So Vulnerable and So Unaware of How Vulnerable You Are": Dave Ramsey to Woman Paying Off Her Boyfriend's $15,000 Debt