Personal Finance Articles

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5232 Articles

Gerelyn Terzo | Yesterday

A 73-Year-Old’s RMD Is Locked to Last Year’s Balance. When the Market Drops, He’s Forced to Sell Stocks at the Bottom.

Picture a 73-year-old retiree watching his brokerage statement in spring 2026. His traditional IRA is mostly in stocks, and the…

Marc Guberti | Yesterday

Have a $1.7 Million 401(k) and Entering Retirement? Make Sure You Do This Now

A recent post on r/retirement laid out a scenario familiar to anyone who has watched their pre-tax 401(k) compound for…

Drew Wood | Yesterday

Build The Income First. Freelance Later.

Freelancing gets sold as freedom. No boss, no commute, no office politics. Yet many retirees discover that freelancing comes with…

Austin Smith | Yesterday

I Review High-Yield Checking Accounts for A Living, and Here’s What Separates Strong Checking Accounts from Weak Ones in 2026

The best checking accounts share a small set of traits: no monthly maintenance fee or an easy waiver, no surprise…

Drew Wood | Yesterday

The $106,000 Line Most Retirees Cross by Accident – and the $2,000 Medicare Surcharge It Triggers.

The first required minimum distribution generally starts for the year you turn 73. Add a capital gain from selling a…

Drew Wood | Yesterday

Miss This 8-Month Window at 65 and Medicare Penalizes You Every Month for Life.

A 65-year-old leaves her job in March, signs up for COBRA to keep her doctors, and plans to deal with…

Carl Sullivan | Yesterday

If You Have $850,000 Saved at 59, Here Is the Monthly Income You Can Actually Count On

Fidelity’s retirement benchmark calls for roughly 8x salary saved by age 60. So a couple earning around $100,000 a year…

Drew Wood | Yesterday

The Celebration Portfolio That Pays For Date Nights, Birthdays, And Anniversaries Forever

Retirement planning usually starts with fear: housing, healthcare, and outliving the portfolio. Yet many of the moments people remember most…

Gerelyn Terzo | Yesterday

Forced to Take an RMD in a Down Market? Here’s the Tax Move That Avoids Selling Low

She is 75, retired, and looking at a brokerage statement she would rather not open. The market sold off hard…

Drew Wood | Yesterday

Endless Sun on Florida’s Gulf Coast: Here’s How to Retire There at 65 on $1.1 Million

Florida’s Gulf Coast remains one of America’s most popular retirement destinations. Warm winters, no state income tax, and communities such…

Marc Guberti | Yesterday

Make Sure You Calculate Your 401(k) RMD Before IRMAA Surcharges Hit Your Medicare

A 73-year-old logs into the 401(k) on a quiet Tuesday and sees the balance still north of $1.6 million after…

Omor Ibne Ehsan | Jun 29, 2026 at 4:00 PM EDT

A 25-Year-Old Built $500K in Stocks, 13 Rentals, and $10K a Month, While Spending Just $24K a Year

On ChooseFI episode 605, “Retire in Less Than 10 Years,” Cody Berman described what he called “a financial freedom sprint…

Austin Smith | Jun 29, 2026 at 3:21 PM EDT

How Do High-Yield Savings Account Sign-Up Bonuses Work, and Are They Worth It?

A savings account with a sign-up bonus pays a one-time cash reward for opening the account and meeting specific conditions.…

Drew Wood | Jun 29, 2026 at 2:30 PM EDT

Working Past 65 With an HSA? Enrolling in Medicare Turns Your Deposits Into a 6% Penalty.

A 67-year-old software engineer plans to work until 70. Her employer’s high-deductible health plan remains the cheapest coverage she has…

Gerelyn Terzo | Jun 29, 2026 at 2:02 PM EDT

Social Security Pays Only the Higher Benefit for Divorced Spouses. Most Americans Get This Wrong

She is 64, divorced after a marriage that lasted well over a decade, and never remarried. For years she had…

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Personal Finance Articles

All Personal Finance Articles

A 73-Year-Old’s RMD Is Locked to Last Year’s Balance. When the Market Drops, He’s Forced to Sell Stocks at the Bottom.

Have a $1.7 Million 401(k) and Entering Retirement? Make Sure You Do This Now

Build The Income First. Freelance Later.

I Review High-Yield Checking Accounts for A Living, and Here’s What Separates Strong Checking Accounts from Weak Ones in 2026

The $106,000 Line Most Retirees Cross by Accident – and the $2,000 Medicare Surcharge It Triggers.

Miss This 8-Month Window at 65 and Medicare Penalizes You Every Month for Life.

If You Have $850,000 Saved at 59, Here Is the Monthly Income You Can Actually Count On

The Celebration Portfolio That Pays For Date Nights, Birthdays, And Anniversaries Forever

Forced to Take an RMD in a Down Market? Here’s the Tax Move That Avoids Selling Low

Endless Sun on Florida’s Gulf Coast: Here’s How to Retire There at 65 on $1.1 Million

Make Sure You Calculate Your 401(k) RMD Before IRMAA Surcharges Hit Your Medicare

A 25-Year-Old Built $500K in Stocks, 13 Rentals, and $10K a Month, While Spending Just $24K a Year

How Do High-Yield Savings Account Sign-Up Bonuses Work, and Are They Worth It?

Working Past 65 With an HSA? Enrolling in Medicare Turns Your Deposits Into a 6% Penalty.

Social Security Pays Only the Higher Benefit for Divorced Spouses. Most Americans Get This Wrong

QQQ Investors Are Silently Losing 6.86% Over Five Years to a Fee Structure Their Cheaper Sibling Doesn’t Charge

HYSA vs a CD, and Which One Wins as the Fed Cuts

PTIR Investors Lost 49% While Palantir Fell 14%: The 20-Point Decay Tax Nobody Discusses

HYSA vs a CD, and Which One Wins as the Fed Cuts

Up to 85% of Your Social Security Benefit Could Be Taxable Because of This Flawed Rule

QQQ Investors Are Silently Losing 6.86% Over Five Years to a Fee Structure Their Cheaper Sibling Doesn’t Charge

HYSA vs a CD, and Which One Wins as the Fed Cuts

Personal Finance Articles

All Personal Finance Articles

A 73-Year-Old’s RMD Is Locked to Last Year’s Balance. When the Market Drops, He’s Forced to Sell Stocks at the Bottom.

Have a $1.7 Million 401(k) and Entering Retirement? Make Sure You Do This Now

Build The Income First. Freelance Later.

I Review High-Yield Checking Accounts for A Living, and Here’s What Separates Strong Checking Accounts from Weak Ones in 2026

The $106,000 Line Most Retirees Cross by Accident – and the $2,000 Medicare Surcharge It Triggers.

Miss This 8-Month Window at 65 and Medicare Penalizes You Every Month for Life.

If You Have $850,000 Saved at 59, Here Is the Monthly Income You Can Actually Count On

The Celebration Portfolio That Pays For Date Nights, Birthdays, And Anniversaries Forever

Forced to Take an RMD in a Down Market? Here’s the Tax Move That Avoids Selling Low

Endless Sun on Florida’s Gulf Coast: Here’s How to Retire There at 65 on $1.1 Million

Make Sure You Calculate Your 401(k) RMD Before IRMAA Surcharges Hit Your Medicare

A 25-Year-Old Built $500K in Stocks, 13 Rentals, and $10K a Month, While Spending Just $24K a Year

How Do High-Yield Savings Account Sign-Up Bonuses Work, and Are They Worth It?

Working Past 65 With an HSA? Enrolling in Medicare Turns Your Deposits Into a 6% Penalty.

Social Security Pays Only the Higher Benefit for Divorced Spouses. Most Americans Get This Wrong

QQQ Investors Are Silently Losing 6.86% Over Five Years to a Fee Structure Their Cheaper Sibling Doesn’t Charge

HYSA vs a CD, and Which One Wins as the Fed Cuts

PTIR Investors Lost 49% While Palantir Fell 14%: The 20-Point Decay Tax Nobody Discusses

Featured Reads

HYSA vs a CD, and Which One Wins as the Fed Cuts

Up to 85% of Your Social Security Benefit Could Be Taxable Because of This Flawed Rule