Personal Finance Articles

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4646 Articles

Marc Guberti | Jun 5, 2026 at 7:33 AM EDT

The 5-Year Roth Conversion Ladder That Lets a 52-Year-Old Tap a $1.5 Million 401(k) Before 59½ Without Penalty

A 52-year-old senior engineer walks out of the office for the last time with $1.5 million in a former employer’s…

Drew Wood | Jun 5, 2026 at 6:56 AM EDT

Replacing a $65,000 Salary With Business Development Company Income? Here’s What You’ll Need Invested

A 62-year-old single retiree seeking to replace a $65,000 pre-retirement salary faces a straightforward but important challenge: generating enough portfolio…

Drew Wood | Jun 5, 2026 at 6:15 AM EDT

The Real Cost of Retiring in America’s Most Famous Retirement Community

The Villages comes up frequently when readers ask us to stress test a retirement plan. It is the country’s best…

Drew Wood | Jun 5, 2026 at 5:41 AM EDT

What $5,800 a Month Really Looks Like in Retirement at 66 When Half Your Income Is Pension and Half Is RMD

A retired teacher and her husband, both older than 65, review their retirement income and wonder whether they are making…

Gerelyn Terzo | Jun 5, 2026 at 5:00 AM EDT

Medicare’s Hidden Two-Year Lookback Rule Catches Retirees Who Inherit IRAs Before 65

A single retiree turns 64, loses her father, and inherits roughly $720,000 in a traditional IRA. She still has a…

Marc Guberti | Jun 4, 2026 at 8:33 PM EDT

Why Affluent Couples Are Draining the Higher-Earning Spouse’s 401(k) First to Avoid the Widow’s Tax Penalty

The scenario looks routine on paper. Husband, 68, sitting on a $1.6 million traditional 401(k). Wife, 66, with another $700,000…

David Beren | Jun 4, 2026 at 3:56 PM EDT

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

All too often, middle-class Americans in their forties have a number in their head, and a number in their bank…

Marc Guberti | Jun 4, 2026 at 2:33 PM EDT

The $43,000-a-Year 401(k) Withdrawal That Keeps a $1.4 Million Retiree in the 12% Bracket for Life

A 67-year-old single retiree with $1.4 million in a traditional 401(k), another $200,000 in a brokerage account, and $25,000 a…

Michael Williams | Jun 4, 2026 at 2:30 PM EDT

Suze Orman’s Counterintuitive Advice: Leave Your Marriage to Protect $400,000 in Retirement Savings

Suze Orman built her career telling people to do math before they do feelings. So it lands differently when she…

David Beren | Jun 4, 2026 at 12:32 PM EDT

One in Three Twentysomethings Has Two Jobs and 58% Have a Side Hustle. That’s Not a Trend, It’s a Retirement Warning Sign

The numbers describing the financial life of the average American twentysomething point to structural pressure rather than a generational quirk.…

Gerelyn Terzo | Jun 4, 2026 at 12:10 PM EDT

Medicare’s IRMAA Cliff Just Erased Your 2026 Social Security Raise. Here’s Why

Picture a 67-year-old single retiree drawing $4,200 a month from Social Security, modest IRA withdrawals, and a paid-off house. In…

Drew Wood | Jun 4, 2026 at 11:59 AM EDT

A 60-Year-Old Couple With $2.8 Million Can Retire by Year-End 2027 If This One Withdrawal Number Holds

A 60-year-old couple with $2.8 million spread across three different account types is evaluating a common retirement question: can they…

Drew Wood | Jun 4, 2026 at 11:46 AM EDT

A 4.8 Percent Yield Portfolio That Lets a 72-Year-Old Sleep Through Every Quarterly Earnings Surprise

The mechanics of retirement income are often simpler than the investment products marketed to provide it. A 72-year-old retiree with…

Jeremy Phillips | Jun 4, 2026 at 11:04 AM EDT

Fidelity Just Warned 500-Stock Fund Owners. 35% to 40% of Your S&P 500 Moves Come From 7 Mega-Cap Stocks

I’ve been holding NVIDIA for over 15 years and Apple since 2012, so when financial advisor Wes Moss told a…

Drew Wood | Jun 4, 2026 at 11:00 AM EDT

Can You Afford to Retire in Myrtle Beach in 2026?

For many retirees, Myrtle Beach represents a specific vision of retirement: morning walks on the beach, afternoon rounds of golf,…

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Personal Finance Articles

All Personal Finance Articles

The 5-Year Roth Conversion Ladder That Lets a 52-Year-Old Tap a $1.5 Million 401(k) Before 59½ Without Penalty

Replacing a $65,000 Salary With Business Development Company Income? Here’s What You’ll Need Invested

The Real Cost of Retiring in America’s Most Famous Retirement Community

What $5,800 a Month Really Looks Like in Retirement at 66 When Half Your Income Is Pension and Half Is RMD

Medicare’s Hidden Two-Year Lookback Rule Catches Retirees Who Inherit IRAs Before 65

Why Affluent Couples Are Draining the Higher-Earning Spouse’s 401(k) First to Avoid the Widow’s Tax Penalty

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

The $43,000-a-Year 401(k) Withdrawal That Keeps a $1.4 Million Retiree in the 12% Bracket for Life

Suze Orman’s Counterintuitive Advice: Leave Your Marriage to Protect $400,000 in Retirement Savings

One in Three Twentysomethings Has Two Jobs and 58% Have a Side Hustle. That’s Not a Trend, It’s a Retirement Warning Sign

Medicare’s IRMAA Cliff Just Erased Your 2026 Social Security Raise. Here’s Why

A 60-Year-Old Couple With $2.8 Million Can Retire by Year-End 2027 If This One Withdrawal Number Holds

A 4.8 Percent Yield Portfolio That Lets a 72-Year-Old Sleep Through Every Quarterly Earnings Surprise

Fidelity Just Warned 500-Stock Fund Owners. 35% to 40% of Your S&P 500 Moves Come From 7 Mega-Cap Stocks

Can You Afford to Retire in Myrtle Beach in 2026?

The Divorced Spouse Strategy That Adds $14,400 a Year for a 66-Year-Old Whose Ex Is Still Alive

Your Adult Child Has a Chronic Health Condition and Needs Your Help. What Retirees Should Know

PBW’s 34% Year-to-Date Gain Masks a Brutal Five-Year Pattern Every Rate Cycle Repeats

The Divorced Spouse Strategy That Adds $14,400 a Year for a 66-Year-Old Whose Ex Is Still Alive

Your Adult Child Has a Chronic Health Condition and Needs Your Help. What Retirees Should Know

The Divorced Spouse Strategy That Adds $14,400 a Year for a 66-Year-Old Whose Ex Is Still Alive

Your Adult Child Has a Chronic Health Condition and Needs Your Help. What Retirees Should Know

Personal Finance Articles

All Personal Finance Articles

The 5-Year Roth Conversion Ladder That Lets a 52-Year-Old Tap a $1.5 Million 401(k) Before 59½ Without Penalty

Replacing a $65,000 Salary With Business Development Company Income? Here’s What You’ll Need Invested

The Real Cost of Retiring in America’s Most Famous Retirement Community

What $5,800 a Month Really Looks Like in Retirement at 66 When Half Your Income Is Pension and Half Is RMD

Medicare’s Hidden Two-Year Lookback Rule Catches Retirees Who Inherit IRAs Before 65

Why Affluent Couples Are Draining the Higher-Earning Spouse’s 401(k) First to Avoid the Widow’s Tax Penalty

Middle-Class Fortysomethings Have a $427,000 Problem and a Shrinking Window to Fix It

The $43,000-a-Year 401(k) Withdrawal That Keeps a $1.4 Million Retiree in the 12% Bracket for Life

Suze Orman’s Counterintuitive Advice: Leave Your Marriage to Protect $400,000 in Retirement Savings

One in Three Twentysomethings Has Two Jobs and 58% Have a Side Hustle. That’s Not a Trend, It’s a Retirement Warning Sign

Medicare’s IRMAA Cliff Just Erased Your 2026 Social Security Raise. Here’s Why

A 60-Year-Old Couple With $2.8 Million Can Retire by Year-End 2027 If This One Withdrawal Number Holds

A 4.8 Percent Yield Portfolio That Lets a 72-Year-Old Sleep Through Every Quarterly Earnings Surprise

Fidelity Just Warned 500-Stock Fund Owners. 35% to 40% of Your S&P 500 Moves Come From 7 Mega-Cap Stocks

Can You Afford to Retire in Myrtle Beach in 2026?

The Divorced Spouse Strategy That Adds $14,400 a Year for a 66-Year-Old Whose Ex Is Still Alive

Your Adult Child Has a Chronic Health Condition and Needs Your Help. What Retirees Should Know

PBW’s 34% Year-to-Date Gain Masks a Brutal Five-Year Pattern Every Rate Cycle Repeats

Featured Reads

The Divorced Spouse Strategy That Adds $14,400 a Year for a 66-Year-Old Whose Ex Is Still Alive

Your Adult Child Has a Chronic Health Condition and Needs Your Help. What Retirees Should Know