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5283 Articles

Drew Wood | Jun 30, 2026 at 12:43 PM EDT

At 62, Here’s How to Retire to the Beaches of Palm Coast, Florida, on $3,000 a Month

Palm Coast occupies an interesting middle ground in Florida retirement. It offers beaches, a quieter pace than many coastal destinations,…

David Beren | Jun 30, 2026 at 12:36 PM EDT

Why Pulling From Your 401(k) Before Your Taxable Account Could Cost $45,000

The conventional retirement plan goes something like this: stop working, claim Social Security, and start pulling from the 401(k) when…

Marc Guberti | Jun 30, 2026 at 12:22 PM EDT

$1.6 Million 401(k) at 62: The Roth Conversion Strategy That Saves $145,000 in Taxes

A dual-income couple earning $300,000 between them, ages 60 and 58, has roughly $1.6 million in pre-tax 401(k) accounts and…

David Beren | Jun 30, 2026 at 12:16 PM EDT

Median Retirement Savings at 55: $185,000 Covers Only 2.5 Years of Spending

The Federal Reserve’s Survey of Consumer Finances pegs the median retirement balance for households aged 55 to 64 at roughly…

Drew Wood | Jun 30, 2026 at 11:20 AM EDT

One Roth Conversion at 63 Can Spike Your Medicare Premium Two Years Later. Here’s the Cliff.

A 63-year-old couple converts $90,000 from a traditional IRA to a Roth in 2026, expecting clean tax-free growth and a…

David Beren | Jun 30, 2026 at 11:07 AM EDT

The 11-Year Tax Window Most Retirees Miss Between 62 and 73

Between ages 62 and 73, most retirees pass through an unusually low-tax stretch of life that they will never see…

Drew Wood | Jun 30, 2026 at 10:38 AM EDT

Take Home an Electrician’s Paycheck Without the High Voltage

The Bureau of Labor Statistics puts the median electrician at roughly $62,000 a year, while many experienced electricians earn $65,000…

Carl Sullivan | Jun 30, 2026 at 10:35 AM EDT

A $400,000 Annuity Guarantees $2,600 a Month for Life, but Here Is the $190,000 Retirees Are Giving Up

A 65-year-old retiree with $400,000 set aside is considering an annuity that pays roughly $2,600 a month, guaranteed for life.…

Gerelyn Terzo | Jun 30, 2026 at 10:03 AM EDT

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 | Jun 30, 2026 at 9:22 AM EDT

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 | Jun 30, 2026 at 8:35 AM EDT

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 | Jun 30, 2026 at 8:34 AM EDT

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 | Jun 30, 2026 at 7:14 AM EDT

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 | Jun 30, 2026 at 7:14 AM EDT

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 | Jun 30, 2026 at 7:08 AM EDT

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…

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Personal Finance Articles

All Personal Finance Articles

At 62, Here’s How to Retire to the Beaches of Palm Coast, Florida, on $3,000 a Month

Why Pulling From Your 401(k) Before Your Taxable Account Could Cost $45,000

$1.6 Million 401(k) at 62: The Roth Conversion Strategy That Saves $145,000 in Taxes

Median Retirement Savings at 55: $185,000 Covers Only 2.5 Years of Spending

One Roth Conversion at 63 Can Spike Your Medicare Premium Two Years Later. Here’s the Cliff.

The 11-Year Tax Window Most Retirees Miss Between 62 and 73

Take Home an Electrician’s Paycheck Without the High Voltage

A $400,000 Annuity Guarantees $2,600 a Month for Life, but Here Is the $190,000 Retirees Are Giving Up

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

Top Invesco Analyst: The AI Trade That “Lifted All Boats” Is Over. Now Profitability Decides Winners As “Capacity Will Catch Up”

XRP Just Flashed Its First Buy Signal Since Mid-June. Will the XRP Price Rally?

What It Takes to Retire on Italy’s Tuscan Coast at 60 on $1 Million and Keep Your Principal

What It Takes to Retire on Italy's Tuscan Coast at 60 on $1 Million and Keep Your Principal

A 73-Year-Old Feared Her RMD Would Drain Her IRA and Tax Her Social Security. The IRS Formula Is Built So It Won't.

Top Invesco Analyst: The AI Trade That “Lifted All Boats” Is Over. Now Profitability Decides Winners As “Capacity Will Catch Up”

XRP Just Flashed Its First Buy Signal Since Mid-June. Will the XRP Price Rally?

Personal Finance Articles

All Personal Finance Articles

At 62, Here’s How to Retire to the Beaches of Palm Coast, Florida, on $3,000 a Month

Why Pulling From Your 401(k) Before Your Taxable Account Could Cost $45,000

$1.6 Million 401(k) at 62: The Roth Conversion Strategy That Saves $145,000 in Taxes

Median Retirement Savings at 55: $185,000 Covers Only 2.5 Years of Spending

One Roth Conversion at 63 Can Spike Your Medicare Premium Two Years Later. Here’s the Cliff.

The 11-Year Tax Window Most Retirees Miss Between 62 and 73

Take Home an Electrician’s Paycheck Without the High Voltage

A $400,000 Annuity Guarantees $2,600 a Month for Life, but Here Is the $190,000 Retirees Are Giving Up

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

Top Invesco Analyst: The AI Trade That “Lifted All Boats” Is Over. Now Profitability Decides Winners As “Capacity Will Catch Up”

XRP Just Flashed Its First Buy Signal Since Mid-June. Will the XRP Price Rally?

What It Takes to Retire on Italy’s Tuscan Coast at 60 on $1 Million and Keep Your Principal

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What It Takes to Retire on Italy's Tuscan Coast at 60 on $1 Million and Keep Your Principal

A 73-Year-Old Feared Her RMD Would Drain Her IRA and Tax Her Social Security. The IRS Formula Is Built So It Won't.