Personal Finance Articles

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4621 Articles

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.…

Marc Guberti | May 23, 2026 at 5:07 PM EDT

Why a 64 Year Old Retiree Is Draining Her $1.1 Million 401(k) Early to Maximize a $5,181 Social Security Check at 70

On Reddit’s r/financialindependence and r/retirement boards, a recurring question goes something like this: I’m 64, I have seven figures in…

Carl Sullivan | May 23, 2026 at 3:31 PM EDT

The Vacation Home Is Paid Off, But It’s Not Free. Can You Really Afford It?

A couple turns 63 this year with $850,000 in combined retirement assets and a paid-off Florida vacation home they bought…

David Beren | May 23, 2026 at 2:31 PM EDT

Median Home Price Hit $417,700 in April. Here’s What That Means for Your Down Payment

The National Association of Realtors’ April 2026 existing-home sales report delivered the same fundamental message it has broadcast nearly every…

Carl Sullivan | May 23, 2026 at 1:21 PM EDT

Sandwich Generation Squeeze: 60-Year-Old Can’t Keep Spending $190,000 on Her Kids

The sandwich generation squeeze is real. AARP has documented that family caregivers absorb tens of thousands of dollars in out-of-pocket…

David Beren | May 23, 2026 at 1:05 PM EDT

4.4 Months of Housing Supply: Why That’s Still Leaving Buyers Behind

Housing inventory finally moved in the direction buyers wanted in April. The National Association of REALTORS reported that unsold inventory…

Carl Sullivan | May 23, 2026 at 12:20 PM EDT

Long-Term Care Insurance Nightmare: Premiums Just Doubled and You Have 30 Days to Decide

Thousands of long-term care insurance policy holders are getting very unwelcome surprises. A letter arrives, with the carrier explaining that…

Ian Cooper | May 23, 2026 at 12:10 PM EDT

The Three-Circle Test: Why You Don’t Need to Be the CEO to Pick Winning Stocks

On a recent episode of The Investing for Beginners Podcast titled Back to the Basics: Circle of Competence, co-host Stephen…

Marc Guberti | May 23, 2026 at 12:07 PM EDT

A 73 Year Old With $1.5 Million in a 401(k) Discovers RMDs Will Trigger a $280,000 Cumulative Tax Bill

The scenario plays out in retirement forums weekly: a single retiree born in 1953, sitting on roughly $1.5 million in…

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Personal Finance Articles

All Personal Finance Articles

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

Why a 64 Year Old Retiree Is Draining Her $1.1 Million 401(k) Early to Maximize a $5,181 Social Security Check at 70

The Vacation Home Is Paid Off, But It’s Not Free. Can You Really Afford It?

Median Home Price Hit $417,700 in April. Here’s What That Means for Your Down Payment

Sandwich Generation Squeeze: 60-Year-Old Can’t Keep Spending $190,000 on Her Kids

4.4 Months of Housing Supply: Why That’s Still Leaving Buyers Behind

Long-Term Care Insurance Nightmare: Premiums Just Doubled and You Have 30 Days to Decide

The Three-Circle Test: Why You Don’t Need to Be the CEO to Pick Winning Stocks

A 73 Year Old With $1.5 Million in a 401(k) Discovers RMDs Will Trigger a $280,000 Cumulative Tax Bill

ICLN’s 45% YTD Surge Marks a Regime Shift: From Policy Bet to Infrastructure Play, With a July Deadline Looming

Forget GLD: GLDM Tracks the Exact Same Bullion at One Quarter the Annual Cost

CONL Lost 67% Year to Date While Coinbase Fell 33%, Exposing the Volatility Tax in Daily-Reset Leverage

57% Say They Haven't Saved Enough, and the Data Confirms It

Family Limited Partnerships: How to Lock In $4 Million in Valuation Discounts Before Congress Acts Again

ICLN’s 45% YTD Surge Marks a Regime Shift: From Policy Bet to Infrastructure Play, With a July Deadline Looming

Forget GLD: GLDM Tracks the Exact Same Bullion at One Quarter the Annual Cost

Personal Finance Articles

All Personal Finance Articles

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

Why a 64 Year Old Retiree Is Draining Her $1.1 Million 401(k) Early to Maximize a $5,181 Social Security Check at 70

The Vacation Home Is Paid Off, But It’s Not Free. Can You Really Afford It?

Median Home Price Hit $417,700 in April. Here’s What That Means for Your Down Payment

Sandwich Generation Squeeze: 60-Year-Old Can’t Keep Spending $190,000 on Her Kids

4.4 Months of Housing Supply: Why That’s Still Leaving Buyers Behind

Long-Term Care Insurance Nightmare: Premiums Just Doubled and You Have 30 Days to Decide

The Three-Circle Test: Why You Don’t Need to Be the CEO to Pick Winning Stocks

A 73 Year Old With $1.5 Million in a 401(k) Discovers RMDs Will Trigger a $280,000 Cumulative Tax Bill

ICLN’s 45% YTD Surge Marks a Regime Shift: From Policy Bet to Infrastructure Play, With a July Deadline Looming

Forget GLD: GLDM Tracks the Exact Same Bullion at One Quarter the Annual Cost

CONL Lost 67% Year to Date While Coinbase Fell 33%, Exposing the Volatility Tax in Daily-Reset Leverage

Featured Reads

57% Say They Haven't Saved Enough, and the Data Confirms It

Family Limited Partnerships: How to Lock In $4 Million in Valuation Discounts Before Congress Acts Again