Personal Finance Articles

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5775 Articles

Michael Williams | Jul 9, 2026 at 8:53 PM EDT

At 65, Your HSA Stops Being a Medical Account and Starts Beating Your 401(k)

If you have a Health Savings Account, you already own the only account in the U.S. tax code that gets…

Michael Williams | Jul 9, 2026 at 7:50 PM EDT

Lower Your Mortgage Payment Without Refinancing, Without Closing Costs, and Without a Credit Check

If you have a conventional mortgage, your lender is probably sitting on a button that can shrink your monthly payment…

Michael Williams | Jul 9, 2026 at 7:29 PM EDT

No, Your Teacher Pension Isn’t Enough, and the $49,000 Loophole Buried in Your Own Benefits Packet Could Save Your Retirement

Your state pension check looks like a safety net until you stack it against real retirement costs. Average annual household…

Michael Williams | Jul 9, 2026 at 6:47 PM EDT

Convert Your IRA While the Market Is Crashing and the IRS Basically Gives You a Discount

If you have a traditional IRA and you watched your balance drop earlier this year, the IRS quietly handed you…

Michael Williams | Jul 9, 2026 at 6:27 PM EDT

Your Business Is Your Retirement Plan? That’s the Million-Dollar Mistake. Open a Solo 401(k) Before December 31

Ask a founder how they plan to retire and you’ll often get a version of the same answer: “I’ll sell…

Danielle Liverance | Jul 9, 2026 at 5:59 PM EDT

They Did Everything Right. $2 Million Saved, No Debt, Home Paid Off. Suze Orman Says They Still Made a Huge Mistake

Suze Orman looked at a couple with $2 million saved, zero debt, and a pension on the way and told…

Michael Williams | Jul 9, 2026 at 5:25 PM EDT

Doctors Earning $400K Are Quietly Funneling $70,000 a Year Into a Roth the IRS Says They Can’t Have

A physician pulling $400,000 a year sits well above the Roth IRA contribution income limit. The IRS closes the front…

Thomas Richmond | Jul 9, 2026 at 5:05 PM EDT

Family Saved $100 a Month for 12 Years for a Hawaii Vacation. Dave Ramsey: “You Have Put Too Much Psychological Bullcrap on This Trip.”

Julie called into The Ramsey Show with a story many families recognize. Her family of five had been saving $100…

Thomas Richmond | Jul 9, 2026 at 4:51 PM EDT

Dave Ramsey Says Early 401(k) Withdrawals Are Like “Borrowing Money at 30% Interest.” Here’s What He Recommends Instead

A recently divorced 41-year-old called The Ramsey Show wondering whether she should cash out part of her 401(k) to eliminate…

Thomas Richmond | Jul 9, 2026 at 4:40 PM EDT

Dave Ramsey: “There’s No Possible Way I Would Pull Money Out of a Roth and Pay Off a Mortgage.” Here’s Why

A 28-year-old per diem nurse called The Ramsey Show looking for a second opinion after her husband proposed using part…

Austin Smith | Jul 9, 2026 at 3:55 PM EDT

Ally Bank Savings, Reviewed

Ally Bank’s Online Savings Account is one of the most widely used high yield savings accounts in the country. It…

Drew Wood | Jul 9, 2026 at 3:01 PM EDT

How Large Does Your Portfolio Need to Be to Generate $12,000 a Month?

Twelve thousand dollars a month sounds like a round number, but it carries weight. It works out to $144,000 a…

Drew Wood | Jul 9, 2026 at 2:37 PM EDT

Here’s How You Can Retire to Boise, Idaho, at 62 on $900,000 and Never Look Back

A $900,000 portfolio can make retirement at 62 realistic in Boise, but only with the right housing setup and the…

Gerelyn Terzo | Jul 9, 2026 at 2:02 PM EDT

A Retired Couple Faces a Six-Figure Healthcare Bill. Paying It From an HSA, Not an IRA, Keeps It From Taxing Their Social Security.

The Couple at the Kitchen Table A married couple, both about 67, recently retired and on Medicare, is staring at…

David Beren | Jul 9, 2026 at 12:39 PM EDT

Why a $1 Million Portfolio Doesn’t Guarantee a Comfortable Retirement

Reaching $1 million in retirement savings feels like crossing a finish line, and after decades of contributions, compound growth, and…

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Personal Finance Articles

All Personal Finance Articles

At 65, Your HSA Stops Being a Medical Account and Starts Beating Your 401(k)

Lower Your Mortgage Payment Without Refinancing, Without Closing Costs, and Without a Credit Check

No, Your Teacher Pension Isn’t Enough, and the $49,000 Loophole Buried in Your Own Benefits Packet Could Save Your Retirement

Convert Your IRA While the Market Is Crashing and the IRS Basically Gives You a Discount

Your Business Is Your Retirement Plan? That’s the Million-Dollar Mistake. Open a Solo 401(k) Before December 31

They Did Everything Right. $2 Million Saved, No Debt, Home Paid Off. Suze Orman Says They Still Made a Huge Mistake

Doctors Earning $400K Are Quietly Funneling $70,000 a Year Into a Roth the IRS Says They Can’t Have

Family Saved $100 a Month for 12 Years for a Hawaii Vacation. Dave Ramsey: “You Have Put Too Much Psychological Bullcrap on This Trip.”

Dave Ramsey Says Early 401(k) Withdrawals Are Like “Borrowing Money at 30% Interest.” Here’s What He Recommends Instead

Dave Ramsey: “There’s No Possible Way I Would Pull Money Out of a Roth and Pay Off a Mortgage.” Here’s Why

Ally Bank Savings, Reviewed

How Large Does Your Portfolio Need to Be to Generate $12,000 a Month?

Here’s How You Can Retire to Boise, Idaho, at 62 on $900,000 and Never Look Back

A Retired Couple Faces a Six-Figure Healthcare Bill. Paying It From an HSA, Not an IRA, Keeps It From Taxing Their Social Security.

Why a $1 Million Portfolio Doesn’t Guarantee a Comfortable Retirement

Most Americans Don’t Realize They Claim Social Security Wrong

The American Chip Boom Picks Winners: TXN, INTC, and QRVO at Current Share Prices

NVIDIA is Acquiring ‘Dark Fiber’ Across the United States. Here’s Why That’s a Big Deal.

Most Americans Don't Realize They Claim Social Security Wrong

If Social Security Cuts Benefits, Here's Who Might Get Hurt the Most

Most Americans Don’t Realize They Claim Social Security Wrong

The American Chip Boom Picks Winners: TXN, INTC, and QRVO at Current Share Prices

Personal Finance Articles

All Personal Finance Articles

At 65, Your HSA Stops Being a Medical Account and Starts Beating Your 401(k)

Lower Your Mortgage Payment Without Refinancing, Without Closing Costs, and Without a Credit Check

No, Your Teacher Pension Isn’t Enough, and the $49,000 Loophole Buried in Your Own Benefits Packet Could Save Your Retirement

Convert Your IRA While the Market Is Crashing and the IRS Basically Gives You a Discount

Your Business Is Your Retirement Plan? That’s the Million-Dollar Mistake. Open a Solo 401(k) Before December 31

They Did Everything Right. $2 Million Saved, No Debt, Home Paid Off. Suze Orman Says They Still Made a Huge Mistake

Doctors Earning $400K Are Quietly Funneling $70,000 a Year Into a Roth the IRS Says They Can’t Have

Family Saved $100 a Month for 12 Years for a Hawaii Vacation. Dave Ramsey: “You Have Put Too Much Psychological Bullcrap on This Trip.”

Dave Ramsey Says Early 401(k) Withdrawals Are Like “Borrowing Money at 30% Interest.” Here’s What He Recommends Instead

Dave Ramsey: “There’s No Possible Way I Would Pull Money Out of a Roth and Pay Off a Mortgage.” Here’s Why

Ally Bank Savings, Reviewed

How Large Does Your Portfolio Need to Be to Generate $12,000 a Month?

Here’s How You Can Retire to Boise, Idaho, at 62 on $900,000 and Never Look Back

A Retired Couple Faces a Six-Figure Healthcare Bill. Paying It From an HSA, Not an IRA, Keeps It From Taxing Their Social Security.

Why a $1 Million Portfolio Doesn’t Guarantee a Comfortable Retirement

Most Americans Don’t Realize They Claim Social Security Wrong

The American Chip Boom Picks Winners: TXN, INTC, and QRVO at Current Share Prices

NVIDIA is Acquiring ‘Dark Fiber’ Across the United States. Here’s Why That’s a Big Deal.

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Most Americans Don't Realize They Claim Social Security Wrong

If Social Security Cuts Benefits, Here's Who Might Get Hurt the Most