Personal Finance Articles

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4614 Articles

Drew Wood | May 25, 2026 at 5:14 AM EDT

The Eight-Rung Treasury Bond Ladder That Pays a 72-Year-Old $40,000 a Year With Zero Credit Risk on $850,000

A retiree with $850,000 in savings who wants about $40,000 a year in reliable income may not need to take…

Marc Guberti | May 24, 2026 at 11:21 PM EDT

The Hidden 401(k) Tax Bomb That Hits a $1.3 Million Saver With $19,800 in Their First RMD Year

Picture a single 73-year-old retiree sitting on $1.3 million in a traditional 401(k), drawing $36,000 a year in Social Security,…

David Beren | May 24, 2026 at 6:21 PM EDT

‘Expect Corrections and Don’t Rely on Hope’: Cramer’s Reality Check for a First-Time Homebuyer

Jim Cramer’s blunt line to a young first-time homebuyer on the May 22 episode of Mad Money: “Expect corrections and…

Marc Guberti | May 24, 2026 at 6:21 PM EDT

The QLAC Strategy That Lets a 70 Year Old With $2 Million Defer $200,000 of RMDs Until Age 85

A 70 year old retiree sitting on $2 million in a traditional 401(k) has roughly three years before required minimum…

David Beren | May 24, 2026 at 1:33 PM EDT

Memorial Day Cookout Costs Are Crushing Wallets: Beef Up 14%, Steak Up 16%, Hot Dogs Up 11%

CNBC consumer reporter Brandon Gomez delivered the bad news to anyone hosting a backyard cookout this weekend: “Ground beef for…

David Beren | May 24, 2026 at 1:16 PM EDT

Mortgage Rates Hit 6.33%: Here’s Why Home Affordability Just Jumped 9 Points

The National Association of Realtors’ Housing Affordability Index surged to 110.6 during April 2026, advancing from 101.4 twelve months prior,…

Marc Guberti | May 24, 2026 at 12:21 PM EDT

The 401(k) to Roth Bracket Filling Strategy That Saves a $300,000 Earner Couple $145,000 in Taxes Over 8 Years

A 60-year-old couple pulling in $300,000 a year with $1.8 million in a traditional 401(k) is sitting on a problem…

Carl Sullivan | May 24, 2026 at 9:07 AM EDT

What $4,500 a Month Really Looks Like in Retirement at Age 62

Retiring at 62 on $4,500 a month sounds workable until you run the numbers against pre-Medicare healthcare. That gap between…

Drew Wood | May 24, 2026 at 9:06 AM EDT

How a $450,000 Portfolio Could Deliver $31,500 a Year While Limiting Market Drawdowns

A 69-year-old couple with $850,000 in investable assets faces a specific problem: they want equity exposure without the risk of…

Ian Cooper | May 24, 2026 at 9:05 AM EDT

Why This Couple Shouldn’t Pay Off Their $475K Mortgage (Even With $175K Cash)

On a recent Rich Habits Podcast Q&A, co-host Robert Croak gave a 40-year-old listener named Angela a blunt answer about…

Drew Wood | May 24, 2026 at 7:58 AM EDT

How Investors Are Turning $400,000 Into $24,000 a Year With Delaware Statutory Trusts

A retired couple sells a rental property they have owned for decades and suddenly faces a large capital gains tax…

Carl Sullivan | May 24, 2026 at 7:42 AM EDT

What Retirement Calculators Get Wrong About Pensions, Which Impact Withdrawal Strategy

For those lucky enough to have a traditional pension, there are special considerations at play. A pension quietly rewrites every other…

Marc Guberti | May 24, 2026 at 6:21 AM EDT

How a Backdoor Roth IRA Adds $7,500 a Year of Roth Wealth for a $300,000 Earner Couple Over the Income Cap

A married couple, both 52, earns $300,000 of combined W-2 income. They max their 401(k)s, build a taxable brokerage account,…

Drew Wood | May 24, 2026 at 5:47 AM EDT

How Direct Indexing May Produce $19,000 in Annual Income on a $700,000 Portfolio

A retired couple with $700,000 in a taxable brokerage account could potentially generate close to $19,000 a year in combined…

Marc Guberti | May 23, 2026 at 8:04 PM EDT

A 75 Year Old With $3 Million in a 401(k) Discovers Three Years of RMDs Will Cost Her $42,000 in Medicare Surcharges Alone

Margaret turned 75 last fall, sits on a $3 million traditional 401(k), and is two years into required minimum distributions.…

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Personal Finance Articles

All Personal Finance Articles

The Eight-Rung Treasury Bond Ladder That Pays a 72-Year-Old $40,000 a Year With Zero Credit Risk on $850,000

The Hidden 401(k) Tax Bomb That Hits a $1.3 Million Saver With $19,800 in Their First RMD Year

‘Expect Corrections and Don’t Rely on Hope’: Cramer’s Reality Check for a First-Time Homebuyer

The QLAC Strategy That Lets a 70 Year Old With $2 Million Defer $200,000 of RMDs Until Age 85

Memorial Day Cookout Costs Are Crushing Wallets: Beef Up 14%, Steak Up 16%, Hot Dogs Up 11%

Mortgage Rates Hit 6.33%: Here’s Why Home Affordability Just Jumped 9 Points

The 401(k) to Roth Bracket Filling Strategy That Saves a $300,000 Earner Couple $145,000 in Taxes Over 8 Years

What $4,500 a Month Really Looks Like in Retirement at Age 62

How a $450,000 Portfolio Could Deliver $31,500 a Year While Limiting Market Drawdowns

Why This Couple Shouldn’t Pay Off Their $475K Mortgage (Even With $175K Cash)

How Investors Are Turning $400,000 Into $24,000 a Year With Delaware Statutory Trusts

What Retirement Calculators Get Wrong About Pensions, Which Impact Withdrawal Strategy

How a Backdoor Roth IRA Adds $7,500 a Year of Roth Wealth for a $300,000 Earner Couple Over the Income Cap

How Direct Indexing May Produce $19,000 in Annual Income on a $700,000 Portfolio

A 75 Year Old With $3 Million in a 401(k) Discovers Three Years of RMDs Will Cost Her $42,000 in Medicare Surcharges Alone

How Closed-End Funds at a 12% Discount Can Turn $300,000 Into $30,000 a Year

These Investors Earned 20% to 33% Returns Using The Same Philosophy on Completely Different Stocks

The Augusta Rule: How a Small Business Owner Pays Herself $20,000 of Tax-Free Income for Renting Her Own Home to Her Company

How Closed-End Funds at a 12% Discount Can Turn $300,000 Into $30,000 a Year

In 2026, RMDs Are Still Costing Retirees Six Figures, And the New One Big Beautiful Bill Did Nothing About It

How Closed-End Funds at a 12% Discount Can Turn $300,000 Into $30,000 a Year

These Investors Earned 20% to 33% Returns Using The Same Philosophy on Completely Different Stocks

Personal Finance Articles

All Personal Finance Articles

The Eight-Rung Treasury Bond Ladder That Pays a 72-Year-Old $40,000 a Year With Zero Credit Risk on $850,000

The Hidden 401(k) Tax Bomb That Hits a $1.3 Million Saver With $19,800 in Their First RMD Year

‘Expect Corrections and Don’t Rely on Hope’: Cramer’s Reality Check for a First-Time Homebuyer

The QLAC Strategy That Lets a 70 Year Old With $2 Million Defer $200,000 of RMDs Until Age 85

Memorial Day Cookout Costs Are Crushing Wallets: Beef Up 14%, Steak Up 16%, Hot Dogs Up 11%

Mortgage Rates Hit 6.33%: Here’s Why Home Affordability Just Jumped 9 Points

The 401(k) to Roth Bracket Filling Strategy That Saves a $300,000 Earner Couple $145,000 in Taxes Over 8 Years

What $4,500 a Month Really Looks Like in Retirement at Age 62

How a $450,000 Portfolio Could Deliver $31,500 a Year While Limiting Market Drawdowns

Why This Couple Shouldn’t Pay Off Their $475K Mortgage (Even With $175K Cash)

How Investors Are Turning $400,000 Into $24,000 a Year With Delaware Statutory Trusts

What Retirement Calculators Get Wrong About Pensions, Which Impact Withdrawal Strategy

How a Backdoor Roth IRA Adds $7,500 a Year of Roth Wealth for a $300,000 Earner Couple Over the Income Cap

How Direct Indexing May Produce $19,000 in Annual Income on a $700,000 Portfolio

A 75 Year Old With $3 Million in a 401(k) Discovers Three Years of RMDs Will Cost Her $42,000 in Medicare Surcharges Alone

How Closed-End Funds at a 12% Discount Can Turn $300,000 Into $30,000 a Year

These Investors Earned 20% to 33% Returns Using The Same Philosophy on Completely Different Stocks

The Augusta Rule: How a Small Business Owner Pays Herself $20,000 of Tax-Free Income for Renting Her Own Home to Her Company

Featured Reads

How Closed-End Funds at a 12% Discount Can Turn $300,000 Into $30,000 a Year

In 2026, RMDs Are Still Costing Retirees Six Figures, And the New One Big Beautiful Bill Did Nothing About It