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Austin Smith | May 12, 2026 at 8:30 AM EDT

The 401(k) Bracket Smoothing Strategy That Keeps Retirees Out of the 22% Tax Bracket for Life

A 66-year-old single woman, retired, with $1.1 million in a traditional 401(k), $300,000 in a Roth IRA, and $200,000 in…

Ian Cooper | May 12, 2026 at 7:39 AM EDT

The Widow’s Tax Penalty Means Filing Single Squeezes $98,670 Into Narrower Brackets

Thirteen months after her husband’s death, a 75-year-old widow with $1.8 million sitting in her own and spousal-rolled-over IRAs is…

Gerelyn Terzo | May 12, 2026 at 7:15 AM EDT

How a 64-Year-Old Couple Added $200,000 to Social Security by Delaying One Claim

Picture a couple in their mid-60s trying to figure out when each should claim Social Security. One spouse earned more…

Gerelyn Terzo | May 12, 2026 at 6:47 AM EDT

When Claiming Social Security at 62 Beats Waiting Until 70 in Real Dollars

The standard advice on Social Security has hardened into gospel: wait until 70 and collect the biggest possible check. For…

Austin Smith | May 12, 2026 at 6:15 AM EDT

The Three-Bucket 401(k) Withdrawal Hack That Can Save Retirees Six Figures in Taxes

A married couple, ages 64 and 65, retired last year with $2.4 million spread across a traditional 401(k), a Roth…

Gerelyn Terzo | May 12, 2026 at 5:23 AM EDT

The Breakeven Math: Why Delaying Social Security From 67 to 70 Pays Off After Age 82

You hit your full retirement age at 67 with a Primary Insurance Amount (PIA) that pays $3,000 a month, or…

Jeremy Phillips | May 12, 2026 at 1:56 AM EDT

Start Investing at 25 Instead of 35: The Math Shows You’ll Have $426,000 More by 65

A 25 year old who invests $5,000 a year for a decade and then never contributes another dollar ends up…

Don Lair | May 12, 2026 at 1:53 AM EDT

You Owned Your House Before Marriage: But Half the Equity Gain Still Isn’t Yours

You bought the house. Your name is on the deed. You closed before you ever met your spouse, paid the…

Ian Cooper | May 11, 2026 at 11:40 AM EDT

Solo 401(k) Contributions Can Save You $30,000+ in Taxes This Year

On a recent episode of NerdWallet’s Smart Money Podcast titled Is College Worth It in 2026? Plus, How to Split…

Carl Sullivan | May 11, 2026 at 9:25 AM EDT

How Extending College Over 4 Years Costs a Ton of Money

We all know that college is expensive. It gets even pricier when students stretch beyond the traditional 4-year undergraduate timeline.…

Austin Smith | May 11, 2026 at 8:55 AM EDT

After-Tax 401(k) Contributions Can Build $1.3 Million in Roth Wealth. Here’s How to Unlock Yours.

A 47-year-old dual-income couple pulling $400,000 in W-2 wages has already done the obvious: both spouses max their employee deferrals…

Drew Wood | May 11, 2026 at 8:42 AM EDT

How Much You Really Need Invested to Earn $500 a Month in Dividends Without Lifting a Finger

Five hundred dollars a month in passive dividend income can make a meaningful dent in everyday expenses, whether it helps…

Drew Wood | May 11, 2026 at 7:29 AM EDT

A $200,000 Portfolio That Quietly Pays You $930 a Month

Turning $200,000 into $930 a month takes a portfolio yield of about 5.6%. That is not some kind of fantasy…

Carl Sullivan | May 11, 2026 at 7:25 AM EDT

Money Lessons From the NFL Millionaire Who Drove a Camry His Rookie Year

Most NFL rookies treat their first contract like a lottery ticket. Arik Armstead was drafted in the first round by…

Austin Smith | May 11, 2026 at 6:20 AM EDT

The $3.2 Million 401(k) Tax Bomb That Early Retirees Can Dodge With Strategic Conversions

A 58-year-old husband with $1.9 million in his traditional 401(k) and his 59-year-old wife with $1.3 million in hers retired…

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Personal Finance Articles

All Personal Finance Articles

The 401(k) Bracket Smoothing Strategy That Keeps Retirees Out of the 22% Tax Bracket for Life

The Widow’s Tax Penalty Means Filing Single Squeezes $98,670 Into Narrower Brackets

How a 64-Year-Old Couple Added $200,000 to Social Security by Delaying One Claim

When Claiming Social Security at 62 Beats Waiting Until 70 in Real Dollars

The Three-Bucket 401(k) Withdrawal Hack That Can Save Retirees Six Figures in Taxes

The Breakeven Math: Why Delaying Social Security From 67 to 70 Pays Off After Age 82

Start Investing at 25 Instead of 35: The Math Shows You’ll Have $426,000 More by 65

You Owned Your House Before Marriage: But Half the Equity Gain Still Isn’t Yours

Solo 401(k) Contributions Can Save You $30,000+ in Taxes This Year

How Extending College Over 4 Years Costs a Ton of Money

After-Tax 401(k) Contributions Can Build $1.3 Million in Roth Wealth. Here’s How to Unlock Yours.

How Much You Really Need Invested to Earn $500 a Month in Dividends Without Lifting a Finger

A $200,000 Portfolio That Quietly Pays You $930 a Month

Money Lessons From the NFL Millionaire Who Drove a Camry His Rookie Year

The $3.2 Million 401(k) Tax Bomb That Early Retirees Can Dodge With Strategic Conversions

Live Nasdaq Composite: Tech Stocks Retreat on Geopolitical Tensions, Oil Climbs Higher

PFFA’s 9.9% Yield Hides A Leverage And Call Risk Problem

This Stock is My Biggest Bet For 2026

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The Average Retiree Household Spends $65,354 a Year. Social Security Covers About Half. Here's What Covers the Rest.

His T-Bills Now Pay More Than His Old Salary. Only One Kind of Income Can Shrink His Social Security Check.

Oil Pipeline Boom Transforms AMLP Into Income Machine With Quarterly Raises Ahead

The 1 Costco Pricing Secret That Makes It the Most Unusual Retailer in America

Personal Finance Articles

All Personal Finance Articles

The 401(k) Bracket Smoothing Strategy That Keeps Retirees Out of the 22% Tax Bracket for Life

The Widow’s Tax Penalty Means Filing Single Squeezes $98,670 Into Narrower Brackets

How a 64-Year-Old Couple Added $200,000 to Social Security by Delaying One Claim

When Claiming Social Security at 62 Beats Waiting Until 70 in Real Dollars

The Three-Bucket 401(k) Withdrawal Hack That Can Save Retirees Six Figures in Taxes

The Breakeven Math: Why Delaying Social Security From 67 to 70 Pays Off After Age 82

Start Investing at 25 Instead of 35: The Math Shows You’ll Have $426,000 More by 65

You Owned Your House Before Marriage: But Half the Equity Gain Still Isn’t Yours

Solo 401(k) Contributions Can Save You $30,000+ in Taxes This Year

How Extending College Over 4 Years Costs a Ton of Money

After-Tax 401(k) Contributions Can Build $1.3 Million in Roth Wealth. Here’s How to Unlock Yours.

How Much You Really Need Invested to Earn $500 a Month in Dividends Without Lifting a Finger

A $200,000 Portfolio That Quietly Pays You $930 a Month

Money Lessons From the NFL Millionaire Who Drove a Camry His Rookie Year

The $3.2 Million 401(k) Tax Bomb That Early Retirees Can Dodge With Strategic Conversions

Live Nasdaq Composite: Tech Stocks Retreat on Geopolitical Tensions, Oil Climbs Higher

PFFA’s 9.9% Yield Hides A Leverage And Call Risk Problem

This Stock is My Biggest Bet For 2026

Why I Won’t Buy A Rivian

Featured Reads

The Average Retiree Household Spends $65,354 a Year. Social Security Covers About Half. Here's What Covers the Rest.

His T-Bills Now Pay More Than His Old Salary. Only One Kind of Income Can Shrink His Social Security Check.