Personal Finance Articles

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5842 Articles

Marc Guberti | Apr 26, 2026 at 10:18 AM EDT

The Inherited IRA Tax Bomb: Why a $500,000 Inheritance Could Cost Your Kids $125,000 in Taxes

Your parent spent 40 years building a $500,000 traditional IRA. When they leave it to you, the IRS becomes your…

Marc Guberti | Apr 26, 2026 at 9:18 AM EDT

The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

A 58-year-old earning $280,000 a year has already maxed their pre-tax 401(k) deferral. What most do not know is…

Carl Sullivan | Apr 26, 2026 at 8:55 AM EDT

Is Identity Theft Insurance Worth It? What Clark Howard Thinks

Millions of Americans worry about theft of their financial identity and personal data. Wayne from New York recently called The…

Ian Cooper | Apr 26, 2026 at 7:37 AM EDT

Why $2.1 Million in Retirement Accounts Isn’t Enough to Retire Early at 54

A couple in their early fifties with $2.1 million saved and $350,000 in annual household income wrote in to the…

Maurie Backman | Apr 26, 2026 at 6:30 AM EDT

Should I Include My Home Equity in My Net Worth Calculation?

Your net worth is an important measure of your financial health. One common question is whether your home equity should…

Christy Bieber | Apr 25, 2026 at 11:38 AM EDT

The Real Cost of Claiming Social Security at 62 Could be Bigger Than You Think

Filing for Social Security at 62 costs more than a smaller monthly check, and most people who sign up early…

Ian Cooper | Apr 25, 2026 at 9:22 AM EDT

Why $35,000 Is the Magic Number for 529 Plans (And More Could Cost You)

The hosts of the How to Money podcast, on Friday Flight episode #1131, drew a line most parents funding a…

Marc Guberti | Apr 25, 2026 at 9:18 AM EDT

Why Public School Teachers and State Workers Can Save $65,000 a Year for Retirement While Most Americans Max Out at $24,500

A public school teacher at 55 with a 403(b) and access to a governmental 457(b) plan can legally shelter $65,000…

Drew Wood | Apr 25, 2026 at 9:12 AM EDT

What $4,800 a Month Really Looks Like in Retirement at 63

$4,800 a month sounds like a real retirement income. For a single 63-year-old, it is close to the median household…

Carl Sullivan | Apr 25, 2026 at 8:53 AM EDT

The Trouble With Teen Banking Apps, According to Clark Howard

A mom named Sandy from Michigan called into The Clark Howard Podcast this week with a parenting question. “My 12-year-old…

Ian Cooper | Apr 25, 2026 at 8:01 AM EDT

57% of Americans Have Zero Savings Outside Their 401(k). Here’s the Math to Catch Up.

Brian Preston of the Money Guy Show recently distilled a quiet crisis into one number: “57% of Americans, that this…

Ian Cooper | Apr 25, 2026 at 6:36 AM EDT

The USPS Got a ‘Free Lunch’ for Decades. That’s Over Now

On a recent episode of NerdWallet’s Smart Money Podcast titled USPS’ Cash Crisis Hits More Than Your Mailbox, Plus The…

Carl Sullivan | Apr 24, 2026 at 1:52 PM EDT

Worry About Yourself Before the Grandkids, Wes Moss Advises

Donna from Alaska wants to leave something for her grandchildren but at age 57, she only has $20,000 in her…

Carl Sullivan | Apr 24, 2026 at 1:45 PM EDT

Take a Monthly Pension Over a Lump Sum, Says Wes Moss

A caller named Alex phoned into The Clark Howard Podcast recently for help with a decision most pension holders only…

Ian Cooper | Apr 24, 2026 at 12:40 PM EDT

‘You’ll Be Working Well Past 70’: Ramsey to 65-Year-Old Who Started Work at 63

A 65-year-old woman called into The Ramsey Show recently with a situation many Americans face but rarely discuss: she started…

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Personal Finance Articles

All Personal Finance Articles

The Inherited IRA Tax Bomb: Why a $500,000 Inheritance Could Cost Your Kids $125,000 in Taxes

The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

Is Identity Theft Insurance Worth It? What Clark Howard Thinks

Why $2.1 Million in Retirement Accounts Isn’t Enough to Retire Early at 54

Should I Include My Home Equity in My Net Worth Calculation?

The Real Cost of Claiming Social Security at 62 Could be Bigger Than You Think

Why $35,000 Is the Magic Number for 529 Plans (And More Could Cost You)

Why Public School Teachers and State Workers Can Save $65,000 a Year for Retirement While Most Americans Max Out at $24,500

What $4,800 a Month Really Looks Like in Retirement at 63

The Trouble With Teen Banking Apps, According to Clark Howard

57% of Americans Have Zero Savings Outside Their 401(k). Here’s the Math to Catch Up.

The USPS Got a ‘Free Lunch’ for Decades. That’s Over Now

Worry About Yourself Before the Grandkids, Wes Moss Advises

Take a Monthly Pension Over a Lump Sum, Says Wes Moss

‘You’ll Be Working Well Past 70’: Ramsey to 65-Year-Old Who Started Work at 63

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

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

What It Takes to Retire in America’s Largest Gated Community on $500,000

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

The Inherited IRA Tax Bomb: Why a $500,000 Inheritance Could Cost Your Kids $125,000 in Taxes

The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

Is Identity Theft Insurance Worth It? What Clark Howard Thinks

Why $2.1 Million in Retirement Accounts Isn’t Enough to Retire Early at 54

Should I Include My Home Equity in My Net Worth Calculation?

The Real Cost of Claiming Social Security at 62 Could be Bigger Than You Think

Why $35,000 Is the Magic Number for 529 Plans (And More Could Cost You)

Why Public School Teachers and State Workers Can Save $65,000 a Year for Retirement While Most Americans Max Out at $24,500

What $4,800 a Month Really Looks Like in Retirement at 63

The Trouble With Teen Banking Apps, According to Clark Howard

57% of Americans Have Zero Savings Outside Their 401(k). Here’s the Math to Catch Up.

The USPS Got a ‘Free Lunch’ for Decades. That’s Over Now

Worry About Yourself Before the Grandkids, Wes Moss Advises

Take a Monthly Pension Over a Lump Sum, Says Wes Moss

‘You’ll Be Working Well Past 70’: Ramsey to 65-Year-Old Who Started Work at 63

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

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

What It Takes to Retire in America’s Largest Gated Community on $500,000

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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