Personal Finance Articles

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5842 Articles

Carl Sullivan | May 20, 2026 at 12:59 PM EDT

What Retirement Really Looks Like at 65 With $1.6M and a $260,000 Mortgage Still on the Books

Many retirees have portfolios that look healthy on paper. But don’t forget about outstanding mortgages. Consider a couple turning 65…

Drew Wood | May 20, 2026 at 11:32 AM EDT

How Much Do You Really Need Invested to Replace a $40,000 Salary at 62 and Bridge the Five Years Until Social Security at 67?

A $40,000 annual income is often enough for a 62-year-old retiree living modestly while bridging the five years until full…

Drew Wood | May 20, 2026 at 10:22 AM EDT

Here Is the $850,000 Three-Bucket Income Portfolio I Would Build to Pay a 66-Year-Old Couple $4,612 a Month

A 66-year-old couple with $850,000 spread across three accounts wants to generate $4,612 per month in portfolio income. That equals…

Marc Guberti | May 20, 2026 at 9:46 AM EDT

How Engineering Executives Structure Their 401(k) to Pay Under 10 Percent Effective Tax in Retirement

A 62-year-old former engineering VP at a large public tech company logs into the brokerage one last time before handing…

Drew Wood | May 20, 2026 at 9:16 AM EDT

At 56 With $2.1 Million Saved and a Stressful CFO Job, the Math Tilts Hard Toward Quitting Now

A 56-year-old CFO making $385,000 in base salary plus a $200,000 annual bonus looks, from the outside, like someone in…

Drew Wood | May 20, 2026 at 8:42 AM EDT

A $475,000 Portfolio That Quietly Pays $2,800 a Month From Just Two Sectors Most Investors Ignore

A 64-year-old retiree with $475,000 who wants to generate $2,800 per month, or $33,600 annually, from dividends alone needs a…

Carl Sullivan | May 20, 2026 at 7:45 AM EDT

Retiring at 65 With $1.3 Million Means Navigating an $8,400 Annual Healthcare Gap Most Plans Miss

Healthcare is the line item that quietly breaks otherwise reasonable retirement plans. Pull $52,000 a year from a $1.3 million…

Drew Wood | May 20, 2026 at 7:15 AM EDT

How Much Do You Really Need Invested to Replace a $135,000 Tech Salary Without Touching Principal at 52?

Leaving behind a $135,000 senior software engineer salary at age 52 may sound straightforward until the income-replacement math becomes real.…

Drew Wood | May 20, 2026 at 6:57 AM EDT

How Much Do You Really Need Invested to Replace a $50,000 Salary If Half Your Income Comes From REITs?

A $50,000 annual income is close to what many U.S. workers earn, making it a common target for people pursuing…

Drew Wood | May 20, 2026 at 5:53 AM EDT

How Much Do You Really Need Invested to Replace a $75,000 Salary With Monthly Dividend ETFs?

Replacing a $75,000 salary with dividend income means generating $6,250 per month without selling shares. The math is straightforward: divide…

Don Lair | May 20, 2026 at 2:20 AM EDT

Why Travel Experts Say Never Transfer Points Without Confirming Hotel Availability First

You moved 177,000 Amex points to Marriott for a specific hotel night in Chicago, hit confirm, and watched the availability…

Don Lair | May 20, 2026 at 1:56 AM EDT

Why a Fee-Only Advisor Beats Insurance for Self-Insured Retirees: $900 Savings Year One

The dilemma in the headline came from a guest on the How to Money podcast, episode #1139, where late starter…

Don Lair | May 19, 2026 at 10:55 PM EDT

‘You’re Trapped’: Rachel Cruze to Woman Whose In-Laws Control House She Paid Half For

On a recent episode of The Ramsey Show, a 55-year-old caller named Patty laid out a financial situation that host…

Don Lair | May 19, 2026 at 8:55 PM EDT

Clark Howard’s Simple Rule for 401(k) Loans: Don’t Do It, Even If Rates Look Good

On the May 13, 2026 episode of The Clark Howard Podcast, a caller named Lucas from Oklahoma faced a temptation…

Don Lair | May 19, 2026 at 8:55 PM EDT

Why Solar Loans Above 4% Interest Are Financial Nightmares, According to Money Guy Brian Preston

A caller to the Money Guy Show thought she had financed solar panels on a 30-month loan. Brian Preston ran…

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Personal Finance Articles

All Personal Finance Articles

What Retirement Really Looks Like at 65 With $1.6M and a $260,000 Mortgage Still on the Books

How Much Do You Really Need Invested to Replace a $40,000 Salary at 62 and Bridge the Five Years Until Social Security at 67?

Here Is the $850,000 Three-Bucket Income Portfolio I Would Build to Pay a 66-Year-Old Couple $4,612 a Month

How Engineering Executives Structure Their 401(k) to Pay Under 10 Percent Effective Tax in Retirement

At 56 With $2.1 Million Saved and a Stressful CFO Job, the Math Tilts Hard Toward Quitting Now

A $475,000 Portfolio That Quietly Pays $2,800 a Month From Just Two Sectors Most Investors Ignore

Retiring at 65 With $1.3 Million Means Navigating an $8,400 Annual Healthcare Gap Most Plans Miss

How Much Do You Really Need Invested to Replace a $135,000 Tech Salary Without Touching Principal at 52?

How Much Do You Really Need Invested to Replace a $50,000 Salary If Half Your Income Comes From REITs?

How Much Do You Really Need Invested to Replace a $75,000 Salary With Monthly Dividend ETFs?

Why Travel Experts Say Never Transfer Points Without Confirming Hotel Availability First

Why a Fee-Only Advisor Beats Insurance for Self-Insured Retirees: $900 Savings Year One

‘You’re Trapped’: Rachel Cruze to Woman Whose In-Laws Control House She Paid Half For

Clark Howard’s Simple Rule for 401(k) Loans: Don’t Do It, Even If Rates Look Good

Why Solar Loans Above 4% Interest Are Financial Nightmares, According to Money Guy Brian Preston

A $1.4 Million 401(k) Quietly Costs You Six Figures in Taxes Without This Move

Everyone’s Chasing Arizona but Smart Retirees Are Buying Here Instead

The $2 Million Retirement Mistake: Confusing Yield With Income You Can Actually Spend

A $1.4 Million 401(k) Quietly Costs You Six Figures in Taxes Without This Move

Everyone's Chasing Arizona but Smart Retirees Are Buying Here Instead

A $1.4 Million 401(k) Quietly Costs You Six Figures in Taxes Without This Move

Everyone’s Chasing Arizona but Smart Retirees Are Buying Here Instead

Personal Finance Articles

All Personal Finance Articles

What Retirement Really Looks Like at 65 With $1.6M and a $260,000 Mortgage Still on the Books

How Much Do You Really Need Invested to Replace a $40,000 Salary at 62 and Bridge the Five Years Until Social Security at 67?

Here Is the $850,000 Three-Bucket Income Portfolio I Would Build to Pay a 66-Year-Old Couple $4,612 a Month

How Engineering Executives Structure Their 401(k) to Pay Under 10 Percent Effective Tax in Retirement

At 56 With $2.1 Million Saved and a Stressful CFO Job, the Math Tilts Hard Toward Quitting Now

A $475,000 Portfolio That Quietly Pays $2,800 a Month From Just Two Sectors Most Investors Ignore

Retiring at 65 With $1.3 Million Means Navigating an $8,400 Annual Healthcare Gap Most Plans Miss

How Much Do You Really Need Invested to Replace a $135,000 Tech Salary Without Touching Principal at 52?

How Much Do You Really Need Invested to Replace a $50,000 Salary If Half Your Income Comes From REITs?

How Much Do You Really Need Invested to Replace a $75,000 Salary With Monthly Dividend ETFs?

Why Travel Experts Say Never Transfer Points Without Confirming Hotel Availability First

Why a Fee-Only Advisor Beats Insurance for Self-Insured Retirees: $900 Savings Year One

‘You’re Trapped’: Rachel Cruze to Woman Whose In-Laws Control House She Paid Half For

Clark Howard’s Simple Rule for 401(k) Loans: Don’t Do It, Even If Rates Look Good

Why Solar Loans Above 4% Interest Are Financial Nightmares, According to Money Guy Brian Preston

A $1.4 Million 401(k) Quietly Costs You Six Figures in Taxes Without This Move

Everyone’s Chasing Arizona but Smart Retirees Are Buying Here Instead

The $2 Million Retirement Mistake: Confusing Yield With Income You Can Actually Spend

Featured Reads

A $1.4 Million 401(k) Quietly Costs You Six Figures in Taxes Without This Move

Everyone's Chasing Arizona but Smart Retirees Are Buying Here Instead