Personal Finance Articles

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4626 Articles

Drew Wood | Jun 1, 2026 at 11:26 AM EDT

A $1.6 Million Portfolio That Quietly Pays a Couple $9,000 a Month and Stays Below the IRMAA Tier 1 Threshold

A 64-year-old couple with a $1.6 million taxable investment portfolio faces a very specific retirement-income challenge: generating $9,000 per month,…

Danielle Liverance | Jun 1, 2026 at 11:24 AM EDT

We discovered my husband’s $200,000 secret debt three years ago. Now we’re $2,700 short monthly and I’m crushing under the weight of it

A woman called The Ramsey Show in tears. “About 3 years ago I had discovered that my husband had amassed…

Christy Bieber | Jun 1, 2026 at 11:22 AM EDT

Two Social Security Rules Every Married Couple Needs to Understand

If you are married, Social Security claiming rules become more complicated than if you are single. That’s because your benefits…

Gerelyn Terzo | Jun 1, 2026 at 11:15 AM EDT

Spousal Social Security Top-Up Worth $300 Monthly Boosts Household Benefits to $4,500 in 2026

She is 67, raised four children through 18 years out of the workforce, and returned to part-time office work in…

Danielle Liverance | Jun 1, 2026 at 11:13 AM EDT

I Lost $45,500 to a Wealth Management Hack at 84. Am I Stuck With This Loss?

An 84-year-old widow from Chattanooga named Jean called into The Ramsey Show after $45,500 vanished from her wealth management account.…

Drew Wood | Jun 1, 2026 at 11:09 AM EDT

The Snowbird Tax Mistake That Cost a 70-Year-Old Couple $19,000 a Year Until They Restructured Their Domicile

A 70-year-old couple with $2.6 million in assets and roughly $260,000 of annual retirement income thought their move to Naples,…

Danielle Liverance | Jun 1, 2026 at 10:44 AM EDT

Dave Ramsey warns: Buying a house with someone you’re not married to costs you $35,000 and your future

Kevin from Charlotte called The Ramsey Show with what sounded like a reasonable plan. He and his girlfriend wanted to…

Danielle Liverance | Jun 1, 2026 at 10:38 AM EDT

I’m 22 with $204,000 saved after paying off my car. Should I redirect that freed-up cash flow into my business or keep building personal wealth?

George Kamel, the Ramsey Network personality and co-host of The Ramsey Show, recently put a question to a 22-year-old caller…

Danielle Liverance | Jun 1, 2026 at 10:19 AM EDT

High-Wage W-2 Earners: The Tax Advantages (and Hidden Work Costs) of Franchise Ownership

Jon Ostenson made the pitch directly on The Investing for Beginners Podcast: “if you have a spouse that’s a high-wage…

Danielle Liverance | Jun 1, 2026 at 10:18 AM EDT

I’m 60 with $4 million net worth and want a $400,000 boat. Should I use income or net worth to decide?

A 60-year-old caller phoned Ramsey Everyday Millionaires with a clean setup: $4 million net worth, $250,000 in annual income, and…

Gerelyn Terzo | Jun 1, 2026 at 9:45 AM EDT

Three Career Decisions That Separate a $5,181 Social Security Check From $2,076

A retiree opens their Social Security statement, sees an estimated benefit of roughly $2,100 a month, and wonders why the…

Carl Sullivan | Jun 1, 2026 at 9:25 AM EDT

A $700,000 Annuity Promises $4,800 a Month for Life. Is It a Good Deal?

A 65-year-old walks into a meeting with an insurance agent holding a $700,000 IRA. The pitch: Hand over the full…

Drew Wood | Jun 1, 2026 at 9:22 AM EDT

A $720,000 Income Portfolio That Quietly Pays Like a Cash-Flowing Indianapolis Duplex Without the Tenant Calls

A $720,000 retirement portfolio presents many 65-year-old retirees with a choice between two very different income strategies. One option is purchasing…

Michael Williams | Jun 1, 2026 at 9:20 AM EDT

Clark Howard’s 1% Rule: How to Build $569,000 in Retirement Savings Without Feeling the Pinch

The 1% Rule From Clark Howard Consumer finance host Clark Howard, who has spent decades answering listener questions on saving…

Drew Wood | Jun 1, 2026 at 9:05 AM EDT

The Charitable Gift Annuity Strategy a 75-Year-Old Widow Used to Get $4,200 a Month Tax-Advantaged for Life

A 75-year-old widow with $1.8 million in savings, no children, and a desire to support her alma mater faces a…

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Personal Finance Articles

All Personal Finance Articles

A $1.6 Million Portfolio That Quietly Pays a Couple $9,000 a Month and Stays Below the IRMAA Tier 1 Threshold

We discovered my husband’s $200,000 secret debt three years ago. Now we’re $2,700 short monthly and I’m crushing under the weight of it

Two Social Security Rules Every Married Couple Needs to Understand

Spousal Social Security Top-Up Worth $300 Monthly Boosts Household Benefits to $4,500 in 2026

I Lost $45,500 to a Wealth Management Hack at 84. Am I Stuck With This Loss?

The Snowbird Tax Mistake That Cost a 70-Year-Old Couple $19,000 a Year Until They Restructured Their Domicile

Dave Ramsey warns: Buying a house with someone you’re not married to costs you $35,000 and your future

I’m 22 with $204,000 saved after paying off my car. Should I redirect that freed-up cash flow into my business or keep building personal wealth?

High-Wage W-2 Earners: The Tax Advantages (and Hidden Work Costs) of Franchise Ownership

I’m 60 with $4 million net worth and want a $400,000 boat. Should I use income or net worth to decide?

Three Career Decisions That Separate a $5,181 Social Security Check From $2,076

A $700,000 Annuity Promises $4,800 a Month for Life. Is It a Good Deal?

A $720,000 Income Portfolio That Quietly Pays Like a Cash-Flowing Indianapolis Duplex Without the Tenant Calls

Clark Howard’s 1% Rule: How to Build $569,000 in Retirement Savings Without Feeling the Pinch

The Charitable Gift Annuity Strategy a 75-Year-Old Widow Used to Get $4,200 a Month Tax-Advantaged for Life

A $360 Semiconductor ETF Position Became $638 in Just Over Five Months. Here’s the Real Story.

They Want to Move Their Family to Venezuela and Give Away $10,000 a Month. How Much Money Do They Need To Raise?

$10,000 Invested in XLK on New Year’s Eve Is Worth $13,434 Today

They Want to Move Their Family to Venezuela and Give Away $10,000 a Month. How Much Money Do They Need To Raise?

58% of Americans Think a 401(k) Balance Is Enough. 48% Have No Plan to Use It.

A $360 Semiconductor ETF Position Became $638 in Just Over Five Months. Here’s the Real Story.

They Want to Move Their Family to Venezuela and Give Away $10,000 a Month. How Much Money Do They Need To Raise?

Personal Finance Articles

All Personal Finance Articles

A $1.6 Million Portfolio That Quietly Pays a Couple $9,000 a Month and Stays Below the IRMAA Tier 1 Threshold

We discovered my husband’s $200,000 secret debt three years ago. Now we’re $2,700 short monthly and I’m crushing under the weight of it

Two Social Security Rules Every Married Couple Needs to Understand

Spousal Social Security Top-Up Worth $300 Monthly Boosts Household Benefits to $4,500 in 2026

I Lost $45,500 to a Wealth Management Hack at 84. Am I Stuck With This Loss?

The Snowbird Tax Mistake That Cost a 70-Year-Old Couple $19,000 a Year Until They Restructured Their Domicile

Dave Ramsey warns: Buying a house with someone you’re not married to costs you $35,000 and your future

I’m 22 with $204,000 saved after paying off my car. Should I redirect that freed-up cash flow into my business or keep building personal wealth?

High-Wage W-2 Earners: The Tax Advantages (and Hidden Work Costs) of Franchise Ownership

I’m 60 with $4 million net worth and want a $400,000 boat. Should I use income or net worth to decide?

Three Career Decisions That Separate a $5,181 Social Security Check From $2,076

A $700,000 Annuity Promises $4,800 a Month for Life. Is It a Good Deal?

A $720,000 Income Portfolio That Quietly Pays Like a Cash-Flowing Indianapolis Duplex Without the Tenant Calls

Clark Howard’s 1% Rule: How to Build $569,000 in Retirement Savings Without Feeling the Pinch

The Charitable Gift Annuity Strategy a 75-Year-Old Widow Used to Get $4,200 a Month Tax-Advantaged for Life

A $360 Semiconductor ETF Position Became $638 in Just Over Five Months. Here’s the Real Story.

They Want to Move Their Family to Venezuela and Give Away $10,000 a Month. How Much Money Do They Need To Raise?

$10,000 Invested in XLK on New Year’s Eve Is Worth $13,434 Today

Featured Reads

They Want to Move Their Family to Venezuela and Give Away $10,000 a Month. How Much Money Do They Need To Raise?

58% of Americans Think a 401(k) Balance Is Enough. 48% Have No Plan to Use It.