Personal Finance Articles

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4607 Articles

Austin Smith | May 19, 2026 at 9:45 AM EDT

A 54-Year-Old Cardiologist With $2.4 Million in Her 401(k) Discovers a $1.7 Million Tax-Free Loophole

A 54-year-old interventional cardiologist earning $580,000 at a hospital system already has $2.4 million in a traditional 401(k) and a…

David Beren | May 19, 2026 at 9:06 AM EDT

The Kiplinger Tax Letter Reveals the Top 0.001% of Earners Pay an Effective Rate of Just 23.61%

The May 2026 Kiplinger Tax Letter, citing the latest IRS Statistics of Income data, highlights a number that complicates the…

Carl Sullivan | May 19, 2026 at 7:58 AM EDT

Stop Asking For a Financial Advisor’s Credentials. Here Are Two Questions That Actually Matter.

Most people walk into a financial advisor’s office with the wrong checklist. They ask about the CFP after the name,…

Drew Wood | May 19, 2026 at 7:53 AM EDT

What I Would Tell a Couple With $4.2 Million Whose 32-Year-Old Daughter Just Asked for $200,000 Toward a House

A married couple in their mid-60s, filing jointly and sitting on roughly $4.2 million in retirement assets, receives the kind…

Drew Wood | May 19, 2026 at 6:36 AM EDT

The Long-Term Care Decision a 64-Year-Old Couple Skipped at 58 and Why They Now Wish They Had Bought It Six Years Ago

At 58, this couple reviewed a long-term care insurance quote offering joint coverage for $4,800 a year and decided the…

Drew Wood | May 19, 2026 at 5:34 AM EDT

A 70/30 Portfolio at 67 Looks Conservative on Paper but Failed the 2022 Stress Test by $187,000

A 67-year-old couple with $2.1 million invested in a 70/30 portfolio and drawing $80,000 per year fits the classic early-retirement…

Jeremy Phillips | May 19, 2026 at 2:39 AM EDT

George Kamel’s Message to Couples With Separate Finances: ‘Your Husband Won’t Do Life With You’

A woman married almost 20 years called The Ramsey Show in tears. She had been asking her husband to combine…

Don Lair | May 19, 2026 at 1:39 AM EDT

The $290 Monthly Trap: Why Middle-Class Families Can’t Escape the Debt Cycle

On a recent episode of NerdWallet’s Smart Money Podcast, the hosts laid out a number that should stop any middle-income…

Jeremy Phillips | May 19, 2026 at 1:22 AM EDT

Millennials Banking on Inheritance at 65: Why You Can’t Count on Mom and Dad’s Money for Retirement

On a recent episode of the Animal Spirits podcast, Ritholtz Wealth Management’s Ben Carlson laid out a number that should…

Don Lair | May 18, 2026 at 11:38 PM EDT

I’m 29 with $6,000 in debt and $48,000 annual income: will skipping the Baby Steps to invest more hurt my wealth building?

On a recent live audience taping of The Ramsey Show in Denver, a 29-year-old named Trayvon asked Dave Ramsey, Rachel…

Jeremy Phillips | May 18, 2026 at 8:45 PM EDT

My Spouse Has Been Fired 4 Times and We’re $4,000 in Debt: Am I Enabling a Lost Cause?

On a recent episode of Financial Audit, host Caleb Hammer looked across the table at a young couple with an…

Marc Guberti | May 18, 2026 at 8:28 PM EDT

The 5-Year Roth Conversion Ladder Pre-Retirees Use to Tap Their 401(k) Before 59 and a Half Without Penalties

The scenario plays out on retirement forums almost weekly: a 50-year-old with $1.8 million in a traditional 401(k) and $400,000…

Jeremy Phillips | May 18, 2026 at 8:23 PM EDT

Fee-Only Financial Advisors: The Hidden Cost Most Americans Don’t Realize They’re Paying

On a recent episode of the Catching Up to FI podcast, financial planner Aubrey Williams made a point that should…

Don Lair | May 18, 2026 at 7:02 PM EDT

I’m 45 with $3.2 million saved. Can I really quit my toxic job without risking retirement?

Priya, a 45-year-old caller to Jill Schlesinger’s Jill on Money show, opened with a common knot: she loves her career…

Carl Sullivan | May 18, 2026 at 6:51 PM EDT

Vivian Tu’s 4 Money Questions Every Couple Must Ask Before Marriage

A listener wrote in to Vivian Tu’s podcast Networth and Chill with a story that should be required reading before…

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Personal Finance Articles

All Personal Finance Articles

A 54-Year-Old Cardiologist With $2.4 Million in Her 401(k) Discovers a $1.7 Million Tax-Free Loophole

The Kiplinger Tax Letter Reveals the Top 0.001% of Earners Pay an Effective Rate of Just 23.61%

Stop Asking For a Financial Advisor’s Credentials. Here Are Two Questions That Actually Matter.

What I Would Tell a Couple With $4.2 Million Whose 32-Year-Old Daughter Just Asked for $200,000 Toward a House

The Long-Term Care Decision a 64-Year-Old Couple Skipped at 58 and Why They Now Wish They Had Bought It Six Years Ago

A 70/30 Portfolio at 67 Looks Conservative on Paper but Failed the 2022 Stress Test by $187,000

George Kamel’s Message to Couples With Separate Finances: ‘Your Husband Won’t Do Life With You’

The $290 Monthly Trap: Why Middle-Class Families Can’t Escape the Debt Cycle

Millennials Banking on Inheritance at 65: Why You Can’t Count on Mom and Dad’s Money for Retirement

I’m 29 with $6,000 in debt and $48,000 annual income: will skipping the Baby Steps to invest more hurt my wealth building?

My Spouse Has Been Fired 4 Times and We’re $4,000 in Debt: Am I Enabling a Lost Cause?

The 5-Year Roth Conversion Ladder Pre-Retirees Use to Tap Their 401(k) Before 59 and a Half Without Penalties

Fee-Only Financial Advisors: The Hidden Cost Most Americans Don’t Realize They’re Paying

I’m 45 with $3.2 million saved. Can I really quit my toxic job without risking retirement?

Vivian Tu’s 4 Money Questions Every Couple Must Ask Before Marriage

Top Wall Street Strategist: AI ‘Reality Check’ Is Coming as Bond Market Flashes Warning Signs

Four REITs Fund 45% of This Income ETF’s Distributions Right Now

Nvidia CEO Jensen Huang Says AI Job Losses Are Complete Nonsense. He’s Betting on a Hiring Surge Instead.

The Social Security Switch Most Widows Never Make: How to Gain $5,856 Yearly Income

This $750,000 Municipal Bond Sleeve Pays a High-Earner Couple $33,000 a Year of Federal-Tax-Free Income

The Social Security Switch Most Widows Never Make: How to Gain $5,856 Yearly Income

Top Wall Street Strategist: AI ‘Reality Check’ Is Coming as Bond Market Flashes Warning Signs

Personal Finance Articles

All Personal Finance Articles

A 54-Year-Old Cardiologist With $2.4 Million in Her 401(k) Discovers a $1.7 Million Tax-Free Loophole

The Kiplinger Tax Letter Reveals the Top 0.001% of Earners Pay an Effective Rate of Just 23.61%

Stop Asking For a Financial Advisor’s Credentials. Here Are Two Questions That Actually Matter.

What I Would Tell a Couple With $4.2 Million Whose 32-Year-Old Daughter Just Asked for $200,000 Toward a House

The Long-Term Care Decision a 64-Year-Old Couple Skipped at 58 and Why They Now Wish They Had Bought It Six Years Ago

A 70/30 Portfolio at 67 Looks Conservative on Paper but Failed the 2022 Stress Test by $187,000

George Kamel’s Message to Couples With Separate Finances: ‘Your Husband Won’t Do Life With You’

The $290 Monthly Trap: Why Middle-Class Families Can’t Escape the Debt Cycle

Millennials Banking on Inheritance at 65: Why You Can’t Count on Mom and Dad’s Money for Retirement

I’m 29 with $6,000 in debt and $48,000 annual income: will skipping the Baby Steps to invest more hurt my wealth building?

My Spouse Has Been Fired 4 Times and We’re $4,000 in Debt: Am I Enabling a Lost Cause?

The 5-Year Roth Conversion Ladder Pre-Retirees Use to Tap Their 401(k) Before 59 and a Half Without Penalties

Fee-Only Financial Advisors: The Hidden Cost Most Americans Don’t Realize They’re Paying

I’m 45 with $3.2 million saved. Can I really quit my toxic job without risking retirement?

Vivian Tu’s 4 Money Questions Every Couple Must Ask Before Marriage

Top Wall Street Strategist: AI ‘Reality Check’ Is Coming as Bond Market Flashes Warning Signs

Four REITs Fund 45% of This Income ETF’s Distributions Right Now

Nvidia CEO Jensen Huang Says AI Job Losses Are Complete Nonsense. He’s Betting on a Hiring Surge Instead.

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The Social Security Switch Most Widows Never Make: How to Gain $5,856 Yearly Income

This $750,000 Municipal Bond Sleeve Pays a High-Earner Couple $33,000 a Year of Federal-Tax-Free Income