Personal Finance Articles

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5841 Articles

Gerelyn Terzo | Apr 16, 2026 at 8:45 AM EDT

Earning Above $153,000? Your December 31st Roth Conversion Window Just Closed for 2026

Every December, financial advisors ask high-earning clients: have you done your backdoor Roth yet? The mechanics are straightforward and the…

Carl Sullivan | Apr 16, 2026 at 8:05 AM EDT

Stop Doing the Roth IRA Right Now: Clark Howard’s Advice to MBA Candidate

Clark Howard, the personal finance radio host and podcaster, had what at first might seem like some unusual advice for…

Drew Wood | Apr 16, 2026 at 8:00 AM EDT

This $250,000 Income Portfolio Pays a $20,000 Annual Dividend

A $20,000 annual income stream requires roughly $571,000 at a 3.5% yield, $333,000 at 6%, or $250,000 at 8%. The…

Austin Smith | Apr 16, 2026 at 8:00 AM EDT

The $1,000 Monthly Car Payment Costing This Young Couple $8 Million in Wealth

At 21 years old, Bridger and his 20-year-old wife are eight months into their marriage, earning $55,000 combined, and carrying…

Austin Smith | Apr 16, 2026 at 7:38 AM EDT

Dave Ramsey’s Counterintuitive Advice to Guilty Parents: Stop Saving for Your Kids Now

A 30-year-old single mother called into The Ramsey Show carrying $74,000 in debt and a question about opening a 529…

Austin Smith | Apr 16, 2026 at 6:45 AM EDT

Young, Married, With a Baby on the Way: Dave Ramsey’s Blunt Answer on Motorcycles vs. Homes

Jordan is 20 years old, married, with a baby on the way, earning $70,000 a year. He got a larger-than-expected…

Carl Sullivan | Apr 16, 2026 at 6:36 AM EDT

Can You Use Whole Life Insurance to Create Generational Wealth?

Tyler called into The Clark Howard Podcast after someone told him that overfunded whole life insurance was a “no-brainer” for…

Marc Guberti | Apr 16, 2026 at 6:30 AM EDT

3 Big Advantages of a 15-Year Mortgage

Buying a house is a complex process full of important decisions, one of the most significant being your mortgage. Choosing…

Austin Smith | Apr 16, 2026 at 5:30 AM EDT

The $1,200 Question That Reveals If You’re Budgeting for Your Family or Your Ex-Spouse’s Reaction

A stepmom named Leslie called The Ramsey Show with a question that sounds like a $1,200 decision but is really…

Joel South | Apr 15, 2026 at 2:25 PM EDT

Americans Are Driving More but Using 4% Less Gas Than Pre-Pandemic. Here’s What That Means for Your Wallet

Americans are driving more miles than ever before, yet pulling up to the pump and spending less on gas than…

David Beren | Apr 15, 2026 at 2:00 PM EDT

The QLAC: The 401(k) Investment That Delays Your RMDs Until Age 85 and Why More Retirees Are Using It

A 73-year-old with $1.5 million in a traditional 401(k) faces a forced withdrawal of roughly $56,600 this year. The IRS…

David Beren | Apr 15, 2026 at 1:22 PM EDT

Why Cardiologists Are Pulling Money Out of Their 401(k)s During Market Downturns While Most Investors Hold On

A cardiologist who retires at 60 with $2 million in a traditional 401(k) and delays Social Security until 67 has…

Christy Bieber | Apr 15, 2026 at 12:25 PM EDT

How Much Could Working Part-Time Reduce Your Social Security Checks?

Collecting Social Security doesn’t necessarily mean that you’re ready to give up working forever. Many people retire and claim benefits…

Carl Sullivan | Apr 15, 2026 at 11:06 AM EDT

How Can a Couple Making $250K Per Year Be Broke?

It sounds nearly impossible on paper: a couple with a $250,000 annual income somehow is still running a $5,000 monthly…

Carl Sullivan | Apr 15, 2026 at 11:05 AM EDT

When It Doesn’t Make Sense to Move to Low-Fee Funds

Cynthia from Missouri asked a question that probably crosses the mind of every investor who has ever looked at their…

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Personal Finance Articles

All Personal Finance Articles

Earning Above $153,000? Your December 31st Roth Conversion Window Just Closed for 2026

Stop Doing the Roth IRA Right Now: Clark Howard’s Advice to MBA Candidate

This $250,000 Income Portfolio Pays a $20,000 Annual Dividend

The $1,000 Monthly Car Payment Costing This Young Couple $8 Million in Wealth

Dave Ramsey’s Counterintuitive Advice to Guilty Parents: Stop Saving for Your Kids Now

Young, Married, With a Baby on the Way: Dave Ramsey’s Blunt Answer on Motorcycles vs. Homes

Can You Use Whole Life Insurance to Create Generational Wealth?

3 Big Advantages of a 15-Year Mortgage

The $1,200 Question That Reveals If You’re Budgeting for Your Family or Your Ex-Spouse’s Reaction

Americans Are Driving More but Using 4% Less Gas Than Pre-Pandemic. Here’s What That Means for Your Wallet

The QLAC: The 401(k) Investment That Delays Your RMDs Until Age 85 and Why More Retirees Are Using It

Why Cardiologists Are Pulling Money Out of Their 401(k)s During Market Downturns While Most Investors Hold On

How Much Could Working Part-Time Reduce Your Social Security Checks?

How Can a Couple Making $250K Per Year Be Broke?

When It Doesn’t Make Sense to Move to Low-Fee Funds

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

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

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

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

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

Personal Finance Articles

All Personal Finance Articles

Earning Above $153,000? Your December 31st Roth Conversion Window Just Closed for 2026

Stop Doing the Roth IRA Right Now: Clark Howard’s Advice to MBA Candidate

This $250,000 Income Portfolio Pays a $20,000 Annual Dividend

The $1,000 Monthly Car Payment Costing This Young Couple $8 Million in Wealth

Dave Ramsey’s Counterintuitive Advice to Guilty Parents: Stop Saving for Your Kids Now

Young, Married, With a Baby on the Way: Dave Ramsey’s Blunt Answer on Motorcycles vs. Homes

Can You Use Whole Life Insurance to Create Generational Wealth?

3 Big Advantages of a 15-Year Mortgage

The $1,200 Question That Reveals If You’re Budgeting for Your Family or Your Ex-Spouse’s Reaction

Americans Are Driving More but Using 4% Less Gas Than Pre-Pandemic. Here’s What That Means for Your Wallet

The QLAC: The 401(k) Investment That Delays Your RMDs Until Age 85 and Why More Retirees Are Using It

Why Cardiologists Are Pulling Money Out of Their 401(k)s During Market Downturns While Most Investors Hold On

How Much Could Working Part-Time Reduce Your Social Security Checks?

How Can a Couple Making $250K Per Year Be Broke?

When It Doesn’t Make Sense to Move to Low-Fee Funds

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

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