Personal Finance Articles

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4614 Articles

Jeremy Phillips | May 16, 2026 at 4:35 AM EDT

I’m 54 with no retirement savings: a financial advisor says I can still become a millionaire by 67

A 54-year-old caller from Canada phoned into Ramsey Everyday Millionaires with a problem most people would consider terminal: no retirement…

Jeremy Phillips | May 16, 2026 at 3:12 AM EDT

The Tax Deferral Myth Trapping 96% of Retirees: Why Proactive Planning Beats the Traditional Strategy

On a recent episode of the Retire SMART Podcast, the host opens with a claim that contradicts what most 401(k)…

David Beren | May 16, 2026 at 2:43 AM EDT

Only 23% of Americans Know the Real Odds of Needing Long-Term Care in Retirement, New Study Finds

A new survey on retirement knowledge in America landed on a notable finding. When asked the likelihood that a 65-year-old…

Marc Guberti | May 15, 2026 at 8:27 PM EDT

The NUA Strategy Retiring Executives Use to Cut Taxes on $500,000 of Company Stock in Their 401(k)

A 62-year-old executive retires from Apple (NASDAQ:AAPL | AAPL Price Prediction) with $500,000 of company stock sitting inside her 401(k),…

Don Lair | May 15, 2026 at 7:44 PM EDT

I’m 25 with $500k in index funds and 11 rental units generating $3,500 monthly. Am I actually financially independent?

Cody Berman went on The Personal Finance Podcast and described hitting financial independence right before his 26th birthday. He held…

Jeremy Phillips | May 15, 2026 at 7:12 PM EDT

I’m Retiring at 65 with Maybe Only 6 to 12 Healthy Years: Should I Front-Load My Spending?

Most retirement calculators chase a single goal: making your money last as long as possible. Jim Saulnier, host of The…

Ian Cooper | May 15, 2026 at 6:14 PM EDT

Why Keeping Emergency Cash in Checking Costs You $15,000 Over a Decade

On episode 168 of the Rich Habits Podcast, co-host Robert Croak made a pitch that sounds almost too easy to…

Don Lair | May 15, 2026 at 6:12 PM EDT

I’m 60 with $800k saved and two rental properties. Should I sell one to pay off the other?

Melissa, a 60-year-old listener of the Afford Anything podcast, called in with a clean question: she has $800,000 saved and…

David Beren | May 15, 2026 at 6:00 PM EDT

The 2025 P-Fin Index Shows Gen Z Gets Just 38% of Personal Finance Questions Right

The 2025 P-Fin Index shows that Gen Z is entering the most complex economy in decades with the weakest set…

David Beren | May 15, 2026 at 3:50 PM EDT

The Social Security Timing Mistake the Northwestern Mutual 2025 Study Quietly Exposed

The 2025 Northwestern Mutual Planning & Progress Study asked adults 45 and older when they expect to claim Social Security,…

Christy Bieber | May 15, 2026 at 3:48 PM EDT

The Government Pension Offset Repeal That Returned $16,800 a Year to a Retired Public School Teacher in 2025

Social Security benefits are a critical income source for many seniors, but unfortunately, some people were not getting the full…

Drew Wood | May 15, 2026 at 3:45 PM EDT

A $900,000 Portfolio With 47 Percent in One Tech Stock Is the Retirement Time Bomb Most Couples Refuse to Defuse

The couple is 64. He spent 28 years at a major tech company, accumulating $423,000 in employer stock through ESPP…

Marc Guberti | May 15, 2026 at 3:27 PM EDT

How Your 401(k) Is Quietly Charging You $200,000 Over a Career and Most Workers Never Notice

A 30-year-old earning $90,000 who routes 10% of pay into a 401(k) assumes the system is working. Contributions go in,…

Gerelyn Terzo | May 15, 2026 at 3:10 PM EDT

How a Retired Texas Teacher’s Social Security Just Jumped From Zero to $1,640 a Month After the Fairness Act

Picture a 68-year-old retired math teacher in San Antonio. She spent 32 years in Texas classrooms, earned a $54,000 annual…

Carl Sullivan | May 15, 2026 at 2:46 PM EDT

At 50, This ER Doctor Didn’t Know What a Net Worth Was. How He Hit Financial Independence.

It’s not uncommon for middle-aged people to realize they’re not where they should be financially. “At 50, I didn’t know…

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Personal Finance Articles

All Personal Finance Articles

I’m 54 with no retirement savings: a financial advisor says I can still become a millionaire by 67

The Tax Deferral Myth Trapping 96% of Retirees: Why Proactive Planning Beats the Traditional Strategy

Only 23% of Americans Know the Real Odds of Needing Long-Term Care in Retirement, New Study Finds

The NUA Strategy Retiring Executives Use to Cut Taxes on $500,000 of Company Stock in Their 401(k)

I’m 25 with $500k in index funds and 11 rental units generating $3,500 monthly. Am I actually financially independent?

I’m Retiring at 65 with Maybe Only 6 to 12 Healthy Years: Should I Front-Load My Spending?

Why Keeping Emergency Cash in Checking Costs You $15,000 Over a Decade

I’m 60 with $800k saved and two rental properties. Should I sell one to pay off the other?

The 2025 P-Fin Index Shows Gen Z Gets Just 38% of Personal Finance Questions Right

The Social Security Timing Mistake the Northwestern Mutual 2025 Study Quietly Exposed

The Government Pension Offset Repeal That Returned $16,800 a Year to a Retired Public School Teacher in 2025

A $900,000 Portfolio With 47 Percent in One Tech Stock Is the Retirement Time Bomb Most Couples Refuse to Defuse

How Your 401(k) Is Quietly Charging You $200,000 Over a Career and Most Workers Never Notice

How a Retired Texas Teacher’s Social Security Just Jumped From Zero to $1,640 a Month After the Fairness Act

At 50, This ER Doctor Didn’t Know What a Net Worth Was. How He Hit Financial Independence.

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

I’m 54 with no retirement savings: a financial advisor says I can still become a millionaire by 67

The Tax Deferral Myth Trapping 96% of Retirees: Why Proactive Planning Beats the Traditional Strategy

Only 23% of Americans Know the Real Odds of Needing Long-Term Care in Retirement, New Study Finds

The NUA Strategy Retiring Executives Use to Cut Taxes on $500,000 of Company Stock in Their 401(k)

I’m 25 with $500k in index funds and 11 rental units generating $3,500 monthly. Am I actually financially independent?

I’m Retiring at 65 with Maybe Only 6 to 12 Healthy Years: Should I Front-Load My Spending?

Why Keeping Emergency Cash in Checking Costs You $15,000 Over a Decade

I’m 60 with $800k saved and two rental properties. Should I sell one to pay off the other?

The 2025 P-Fin Index Shows Gen Z Gets Just 38% of Personal Finance Questions Right

The Social Security Timing Mistake the Northwestern Mutual 2025 Study Quietly Exposed

The Government Pension Offset Repeal That Returned $16,800 a Year to a Retired Public School Teacher in 2025

A $900,000 Portfolio With 47 Percent in One Tech Stock Is the Retirement Time Bomb Most Couples Refuse to Defuse

How Your 401(k) Is Quietly Charging You $200,000 Over a Career and Most Workers Never Notice

How a Retired Texas Teacher’s Social Security Just Jumped From Zero to $1,640 a Month After the Fairness Act

At 50, This ER Doctor Didn’t Know What a Net Worth Was. How He Hit Financial Independence.

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