Personal Finance Articles

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5548 Articles

David Beren | Apr 12, 2026 at 11:58 AM EDT

The 401(k) Creditor Protection Advantage Wealthy Pre-Retirees Are Using to Keep Money in the Plan

In litigation-exposed professions, the creditor protection gap between a 401(k) and an IRA is one of the most consequential and…

Maurie Backman | Apr 12, 2026 at 10:15 AM EDT

2027’s Social Security COLA Could Surpass 2026’s. The Reason Why Isn’t a Good One

If there’s one thing that tends to upend retirement budgets, it’s inflation. You can estimate your monthly costs at the…

David Beren | Apr 12, 2026 at 9:52 AM EDT

What Happens When You Inherit a $500,000 401(k) and the 10-Year Tax Rule Most Beneficiaries Don’t Know About

Inheriting a $500,000 traditional 401(k) triggers mandatory distributions under the SECURE Act‘s 10-year rule, and the tax consequences can accumulate…

Drew Wood | Apr 12, 2026 at 9:30 AM EDT

How a $500K Nest Egg Can Throw Off $31,000 in Annual Dividends

A $500,000 portfolio in a savings account earning near-nothing is a missed opportunity. That same $500,000 deployed into income-generating assets…

Jeremy Phillips | Apr 12, 2026 at 9:04 AM EDT

For Every $1 That Goes Into a 401k 40 Cents Comes Right Back Out and It Is Getting Worse

I was stunned by a number from the Money Guy Show recently: for every single dollar that flows into a…

Carl Sullivan | Apr 12, 2026 at 8:55 AM EDT

I Have $45K in Debt. Should I Invest in an IRA or Pay the Bills First?

A 32-year-old with $45,000 in non-mortgage debt recently called into The Ramsey Show to ask: “Would it be smart for…

Jeremy Phillips | Apr 12, 2026 at 8:44 AM EDT

Brown and Batnick: 75% of Investors Think Dividends Are Free Money and That Is a Problem

I’m mostly a tech investor, but I like to keep some dividend holdings as well. For example, I’ve been a…

Joel South | Apr 12, 2026 at 8:19 AM EDT

I Logged Into My Old 401(k) and the Balance Was $0 — Here’s What to Do When Your Retirement Savings Seem to Vanish

You log into your old employer’s 401(k) portal and the balance reads $0. No transactions. No explanation. Just zero, where…

David Beren | Apr 11, 2026 at 1:02 PM EDT

Why Wealthy Retirees Are Draining Their 401(k) Early to Lock In a Bigger Social Security Check at 70

A 63-year-old with $1.4 million in a traditional 401(k) who delays Social Security to 70 can collect $3,720 per month…

Christy Bieber | Apr 11, 2026 at 10:02 AM EDT

How a Roth IRA Helps Your Social Security Benefits Go Further

Social Security benefits will be paid until you pass away, and periodic Cost of Living Adjustments in most years ensure…

David Beren | Apr 11, 2026 at 9:58 AM EDT

Why Self-Employed Dentists Are Replacing the SEP IRA With a Solo 401(k) and Saving Up to $23,000 More Per Year

A self-employed dentist with a net Schedule C profit of $150,000 and a SEP IRA is leaving roughly $23,000 in…

Carl Sullivan | Apr 11, 2026 at 9:55 AM EDT

30% of Your Retirement Savings in One Company? Bad Idea, Says Wes Moore

Billy from Georgia is 45 years old, hopes to retire at 55, and has a problem disguised as an asset.…

Drew Wood | Apr 11, 2026 at 8:10 AM EDT

A $1 Million Portfolio That Quietly Pays You $67,500 a Year, No Job Required

A $1 million portfolio generating $67,500 a year requires a blended yield of 6.75%. That sits at the crossover between…

Drew Wood | Apr 11, 2026 at 8:06 AM EDT

How Much You Really Need Invested to Replace a $100,000 Salary With Dividends

A $2 million portfolio generating $100,000 a year in dividends sounds like a retirement finish line. But the math depends…

Carl Sullivan | Apr 11, 2026 at 7:23 AM EDT

Does the “100 Minus Your Age” Investing Rule Still Work? What Wes Moss Thinks

The 100-minus-your-age rule has been handed down through decades of personal finance advice without much scrutiny. The idea is simple:…

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Personal Finance Articles

All Personal Finance Articles

The 401(k) Creditor Protection Advantage Wealthy Pre-Retirees Are Using to Keep Money in the Plan

2027’s Social Security COLA Could Surpass 2026’s. The Reason Why Isn’t a Good One

What Happens When You Inherit a $500,000 401(k) and the 10-Year Tax Rule Most Beneficiaries Don’t Know About

How a $500K Nest Egg Can Throw Off $31,000 in Annual Dividends

For Every $1 That Goes Into a 401k 40 Cents Comes Right Back Out and It Is Getting Worse

I Have $45K in Debt. Should I Invest in an IRA or Pay the Bills First?

Brown and Batnick: 75% of Investors Think Dividends Are Free Money and That Is a Problem

I Logged Into My Old 401(k) and the Balance Was $0 — Here’s What to Do When Your Retirement Savings Seem to Vanish

Why Wealthy Retirees Are Draining Their 401(k) Early to Lock In a Bigger Social Security Check at 70

How a Roth IRA Helps Your Social Security Benefits Go Further

Why Self-Employed Dentists Are Replacing the SEP IRA With a Solo 401(k) and Saving Up to $23,000 More Per Year

30% of Your Retirement Savings in One Company? Bad Idea, Says Wes Moore

A $1 Million Portfolio That Quietly Pays You $67,500 a Year, No Job Required

How Much You Really Need Invested to Replace a $100,000 Salary With Dividends

Does the “100 Minus Your Age” Investing Rule Still Work? What Wes Moss Thinks

Jim Cramer Calls Apple’s OpenAI Lawsuit “Heavyweight.” Tim Cook Must Believe OpenAI Was Stealing

Trump Reinstates the Iran Blockade and Demands a 20% Toll as America Becomes Hormuz’s “Guardian”

The 3 Vanguard ETFs Every Retiree Should Own Before Social Security Kicks In

Personal Finance Expert Warns Buy Now, Pay Later Can Reach “100% APR” as 29% of Customers Use It to Buy Groceries

A $250,000 Annuity Guarantees $1,600 a Month for Life, but What Are Retirees Giving Up?

Jim Cramer Calls Apple’s OpenAI Lawsuit “Heavyweight.” Tim Cook Must Believe OpenAI Was Stealing

Trump Reinstates the Iran Blockade and Demands a 20% Toll as America Becomes Hormuz’s “Guardian”

Personal Finance Articles

All Personal Finance Articles

The 401(k) Creditor Protection Advantage Wealthy Pre-Retirees Are Using to Keep Money in the Plan

2027’s Social Security COLA Could Surpass 2026’s. The Reason Why Isn’t a Good One

What Happens When You Inherit a $500,000 401(k) and the 10-Year Tax Rule Most Beneficiaries Don’t Know About

How a $500K Nest Egg Can Throw Off $31,000 in Annual Dividends

For Every $1 That Goes Into a 401k 40 Cents Comes Right Back Out and It Is Getting Worse

I Have $45K in Debt. Should I Invest in an IRA or Pay the Bills First?

Brown and Batnick: 75% of Investors Think Dividends Are Free Money and That Is a Problem

I Logged Into My Old 401(k) and the Balance Was $0 — Here’s What to Do When Your Retirement Savings Seem to Vanish

Why Wealthy Retirees Are Draining Their 401(k) Early to Lock In a Bigger Social Security Check at 70

How a Roth IRA Helps Your Social Security Benefits Go Further

Why Self-Employed Dentists Are Replacing the SEP IRA With a Solo 401(k) and Saving Up to $23,000 More Per Year

30% of Your Retirement Savings in One Company? Bad Idea, Says Wes Moore

A $1 Million Portfolio That Quietly Pays You $67,500 a Year, No Job Required

How Much You Really Need Invested to Replace a $100,000 Salary With Dividends

Does the “100 Minus Your Age” Investing Rule Still Work? What Wes Moss Thinks

Jim Cramer Calls Apple’s OpenAI Lawsuit “Heavyweight.” Tim Cook Must Believe OpenAI Was Stealing

Trump Reinstates the Iran Blockade and Demands a 20% Toll as America Becomes Hormuz’s “Guardian”

The 3 Vanguard ETFs Every Retiree Should Own Before Social Security Kicks In

Featured Reads

Personal Finance Expert Warns Buy Now, Pay Later Can Reach “100% APR” as 29% of Customers Use It to Buy Groceries

A $250,000 Annuity Guarantees $1,600 a Month for Life, but What Are Retirees Giving Up?