Personal Finance Articles

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4619 Articles

Marc Guberti | May 16, 2026 at 12:28 PM EDT

The QLAC Move That Defers $200,000 of 401(k) RMDs Past Age 85

A 70-year-old retiree with $2 million in a traditional 401(k) has roughly three years before required minimum distributions force the…

Drew Wood | May 16, 2026 at 11:46 AM EDT

If You Have $2.7 Million Saved at 56 and Want to Retire at 60, Here Is the Bridge Math Most Advisors Get Wrong

A 56-year-old couple with $2.7 million saved for retirement sits down with an advisor and hears the standard line: apply…

Ian Cooper | May 16, 2026 at 11:37 AM EDT

At 67, Earn $50,000 a Year From Self-Employment Without Losing a Dime of Social Security

A 67-year-old retiree picks up two consulting clients, works roughly 20 hours a week, and bills out at around $50…

Don Lair | May 16, 2026 at 11:31 AM EDT

I’ve Been Self-Employed for Seven Years and Finally Made My First Budget: Here’s Why I Cried

A dog trainer from Alaska called into The Ramsey Show recently and almost broke down on air. She had been…

Don Lair | May 16, 2026 at 11:13 AM EDT

Stop Budgeting Your Credit Card Rewards as Income: Here’s the One Move Financial Experts Say Works Instead

On a recent episode of How to Money, a listener named Suzanne asked whether she should track her credit card…

Christy Bieber | May 16, 2026 at 11:10 AM EDT

3 Social Security Mistakes Married Couples Are Still Making in 2026

Social Security is a complicated program because it allows retirees lots of choices as to when they can start their…

David Beren | May 16, 2026 at 10:56 AM EDT

Most Americans Think Medicare Covers More Than It Does: A 2025 Study Shows Only 26% Have It Right

The TIAA Institute’s 2025 P-Fin Index put a deceptively simple question to U.S. adults: how much of a typical retiree’s…

Christy Bieber | May 16, 2026 at 10:03 AM EDT

The Disabled Adult Child Benefit That Triggers $1,800 a Month for a 35-Year-Old Son When His Father Files for Social Security

When most people think of Social Security benefits, they think of retirement benefits. But these are not the only kind of…

Gerelyn Terzo | May 16, 2026 at 9:55 AM EDT

Why Most Retirees Should File for Social Security Three Months Before Their Target Start Date

Picture a retiree who has circled April on the calendar, the month she turns 67 and wants Social Security to…

Gerelyn Terzo | May 16, 2026 at 9:45 AM EDT

Social Security Tax Rule Frozen Since 1984 Now Catches 85% of Middle-Class Retirees’ Benefits

A 68-year-old retiree living alone collects $30,000 a year from Social Security and pulls another $35,000 from a traditional IRA…

Christy Bieber | May 16, 2026 at 9:43 AM EDT

Here’s What’s Driving Social Security’s 2027 COLA Estimate Spike

Social Security Cost of Living Adjustments (COLAs) are critical to seniors’ financial security. Many retirees rely on their benefits to…

Gerelyn Terzo | May 16, 2026 at 9:25 AM EDT

Federal Widow’s Survivor Benefit Jumped $1,100 a Month After Congress Repealed the GPO Rule

For decades, a particular kind of federal widow learned to live with a strange arithmetic: her late husband paid into…

Drew Wood | May 16, 2026 at 8:59 AM EDT

Belize or Bend Oregon? How I Would Help a Couple With $5.8 Million Choose a Retirement Home

A retired couple, both 65, sits down with $5.8 million and two very different visions of retirement. One spouse imagines…

Marc Guberti | May 16, 2026 at 8:28 AM EDT

Should a Commercial Pilot Run $200,000 of Roth Conversions Before His Mandatory 65th Birthday?

The FAA does not negotiate with calendars. A captain who turns 65 stops flying revenue passengers under Part 121 the…

Christy Bieber | May 16, 2026 at 8:09 AM EDT

The Social Security Overpayment Letters SSA Has Been Sending Since 2024: How to Fight a $14,000 Clawback

The Social Security Administration provides important benefits to retirees and the disabled, many of whom depend on the income they…

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Personal Finance Articles

All Personal Finance Articles

The QLAC Move That Defers $200,000 of 401(k) RMDs Past Age 85

If You Have $2.7 Million Saved at 56 and Want to Retire at 60, Here Is the Bridge Math Most Advisors Get Wrong

At 67, Earn $50,000 a Year From Self-Employment Without Losing a Dime of Social Security

I’ve Been Self-Employed for Seven Years and Finally Made My First Budget: Here’s Why I Cried

Stop Budgeting Your Credit Card Rewards as Income: Here’s the One Move Financial Experts Say Works Instead

3 Social Security Mistakes Married Couples Are Still Making in 2026

Most Americans Think Medicare Covers More Than It Does: A 2025 Study Shows Only 26% Have It Right

The Disabled Adult Child Benefit That Triggers $1,800 a Month for a 35-Year-Old Son When His Father Files for Social Security

Why Most Retirees Should File for Social Security Three Months Before Their Target Start Date

Social Security Tax Rule Frozen Since 1984 Now Catches 85% of Middle-Class Retirees’ Benefits

Here’s What’s Driving Social Security’s 2027 COLA Estimate Spike

Federal Widow’s Survivor Benefit Jumped $1,100 a Month After Congress Repealed the GPO Rule

Belize or Bend Oregon? How I Would Help a Couple With $5.8 Million Choose a Retirement Home

Should a Commercial Pilot Run $200,000 of Roth Conversions Before His Mandatory 65th Birthday?

The Social Security Overpayment Letters SSA Has Been Sending Since 2024: How to Fight a $14,000 Clawback

Warren Buffett: “People Still Don’t Want to Think It Will Work”

This Midstream ETF Yields 9.4% While Sidestepping K-1 Tax Forms

SCHD’s $85 Billion Strategy Now Concentrates 41 Percent of Your Money in Just Ten Stocks

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

The Severance Negotiation Move That Cut a 56-Year-Old VP's Tax Bill on Her $480,000 Package by $112,000

Warren Buffett: “People Still Don’t Want to Think It Will Work”

This Midstream ETF Yields 9.4% While Sidestepping K-1 Tax Forms

Personal Finance Articles

All Personal Finance Articles

The QLAC Move That Defers $200,000 of 401(k) RMDs Past Age 85

If You Have $2.7 Million Saved at 56 and Want to Retire at 60, Here Is the Bridge Math Most Advisors Get Wrong

At 67, Earn $50,000 a Year From Self-Employment Without Losing a Dime of Social Security

I’ve Been Self-Employed for Seven Years and Finally Made My First Budget: Here’s Why I Cried

Stop Budgeting Your Credit Card Rewards as Income: Here’s the One Move Financial Experts Say Works Instead

3 Social Security Mistakes Married Couples Are Still Making in 2026

Most Americans Think Medicare Covers More Than It Does: A 2025 Study Shows Only 26% Have It Right

The Disabled Adult Child Benefit That Triggers $1,800 a Month for a 35-Year-Old Son When His Father Files for Social Security

Why Most Retirees Should File for Social Security Three Months Before Their Target Start Date

Social Security Tax Rule Frozen Since 1984 Now Catches 85% of Middle-Class Retirees’ Benefits

Here’s What’s Driving Social Security’s 2027 COLA Estimate Spike

Federal Widow’s Survivor Benefit Jumped $1,100 a Month After Congress Repealed the GPO Rule

Belize or Bend Oregon? How I Would Help a Couple With $5.8 Million Choose a Retirement Home

Should a Commercial Pilot Run $200,000 of Roth Conversions Before His Mandatory 65th Birthday?

The Social Security Overpayment Letters SSA Has Been Sending Since 2024: How to Fight a $14,000 Clawback

Warren Buffett: “People Still Don’t Want to Think It Will Work”

This Midstream ETF Yields 9.4% While Sidestepping K-1 Tax Forms

SCHD’s $85 Billion Strategy Now Concentrates 41 Percent of Your Money in Just Ten Stocks

Featured Reads

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

The Severance Negotiation Move That Cut a 56-Year-Old VP's Tax Bill on Her $480,000 Package by $112,000