Personal Finance Articles

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5111 Articles

Carl Sullivan | May 21, 2026 at 7:54 AM EDT

A 70 Year Old With $800K Faces Long-Term Care Decision That Could Cost $190K a Year

Margaret is 70, single, healthy, and owns her home outright. She has $800,000 in retirement assets and a budget that…

Drew Wood | May 21, 2026 at 7:37 AM EDT

A $400,000 Income Portfolio That Pays Like a Toledo Rental Property Without the 3 AM Phone Calls

A single-family rental property in Toledo purchased for $135,000 at a 9% gross cap rate would generate roughly $12,150 annually…

Carl Sullivan | May 21, 2026 at 7:04 AM EDT

What Retirement Really Looks Like With $2.5M When You Delay Social Security Until 70

Retirees with ample nest eggs often wonder if they should delay Social Security until 70, when the benefits are significantly…

Drew Wood | May 21, 2026 at 6:59 AM EDT

A Monthly Dividend Portfolio That Pays Like a Pension and Beats Most Pensions on Inflation Protection

A traditional defined-benefit pension paying $5,500 per month, or $66,000 annually, provides a useful retirement-income benchmark. That level of income…

Drew Wood | May 21, 2026 at 5:52 AM EDT

A $2.2 Million Dividend Portfolio That Quietly Pays $13,200 a Month Without a Single MLP Tax Headache

A 67-year-old couple filing jointly with $2.2 million in investable assets wants to generate $13,200 per month, or $158,400 annually,…

Jeremy Phillips | May 21, 2026 at 3:21 AM EDT

Roger Whitney to 60-Year-Old With $3.5M: ‘Continue to Save in Your Roth 401(k) and Use Your After-Tax Cash’

A 60-year-old caller named Sue wrote into the Retirement Answer Man podcast with a question that might sound mundane but…

Carl Sullivan | May 20, 2026 at 7:04 PM EDT

A Surviving Spouse With $1.4M Faces the Widow’s Penalty That Could Cost $42,000 a Year

The year your spouse dies, your tax bill barely changes. The year after that, the IRS treats you like a…

Marc Guberti | May 20, 2026 at 6:47 PM EDT

The 401(k) Bracket Smoothing Math: Why a 65 Year Old With $1.6 Million Should Convert Exactly $43,000 a Year Until 73

A 65 year old single retiree posted a familiar question on a Bogleheads thread last month: “I have $1.6 million…

David Beren | May 20, 2026 at 4:49 PM EDT

Northwestern Mutual’s 2025 Planning Study: Only 20% of Americans Now Expect to Receive an Inheritance, Down From 25% Last Year

Inheritance expectations are shrinking just as more Americans are quietly counting on them. According to Northwestern Mutual’s 2025 Planning &…

Carl Sullivan | May 20, 2026 at 3:00 PM EDT

What $7,000 a Month Really Looks Like in Retirement at Age 65

A 65-year-old who just stopped working with $7,000 in monthly gross income can feel comfortable or tight. It all depends…

Omor Ibne Ehsan | May 20, 2026 at 2:47 PM EDT

Social Security’s Judgment Day Is Rapidly Approaching, and President Donald Trump May Force the Fed’s Hand

It doesn’t matter if you’re 66 or 6 (you’re going places if you’re reading this at 6!), Social Security will…

Ian Cooper | May 20, 2026 at 2:42 PM EDT

Ted Turner Built CNN on Debt and Near-Bankruptcy. Here Is Why You Should Not Try to Copy Him

Ted Turner died at 87, and obituaries celebrate how he built his empire. He took an indebted billboard company into…

Carl Sullivan | May 20, 2026 at 12:59 PM EDT

What Retirement Really Looks Like at 65 With $1.6M and a $260,000 Mortgage Still on the Books

Many retirees have portfolios that look healthy on paper. But don’t forget about outstanding mortgages. Consider a couple turning 65…

Drew Wood | May 20, 2026 at 11:32 AM EDT

How Much Do You Really Need Invested to Replace a $40,000 Salary at 62 and Bridge the Five Years Until Social Security at 67?

A $40,000 annual income is often enough for a 62-year-old retiree living modestly while bridging the five years until full…

Drew Wood | May 20, 2026 at 10:22 AM EDT

Here Is the $850,000 Three-Bucket Income Portfolio I Would Build to Pay a 66-Year-Old Couple $4,612 a Month

A 66-year-old couple with $850,000 spread across three accounts wants to generate $4,612 per month in portfolio income. That equals…

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Personal Finance Articles

All Personal Finance Articles

A 70 Year Old With $800K Faces Long-Term Care Decision That Could Cost $190K a Year

A $400,000 Income Portfolio That Pays Like a Toledo Rental Property Without the 3 AM Phone Calls

What Retirement Really Looks Like With $2.5M When You Delay Social Security Until 70

A Monthly Dividend Portfolio That Pays Like a Pension and Beats Most Pensions on Inflation Protection

A $2.2 Million Dividend Portfolio That Quietly Pays $13,200 a Month Without a Single MLP Tax Headache

Roger Whitney to 60-Year-Old With $3.5M: ‘Continue to Save in Your Roth 401(k) and Use Your After-Tax Cash’

A Surviving Spouse With $1.4M Faces the Widow’s Penalty That Could Cost $42,000 a Year

The 401(k) Bracket Smoothing Math: Why a 65 Year Old With $1.6 Million Should Convert Exactly $43,000 a Year Until 73

Northwestern Mutual’s 2025 Planning Study: Only 20% of Americans Now Expect to Receive an Inheritance, Down From 25% Last Year

What $7,000 a Month Really Looks Like in Retirement at Age 65

Social Security’s Judgment Day Is Rapidly Approaching, and President Donald Trump May Force the Fed’s Hand

Ted Turner Built CNN on Debt and Near-Bankruptcy. Here Is Why You Should Not Try to Copy Him

What Retirement Really Looks Like at 65 With $1.6M and a $260,000 Mortgage Still on the Books

How Much Do You Really Need Invested to Replace a $40,000 Salary at 62 and Bridge the Five Years Until Social Security at 67?

Here Is the $850,000 Three-Bucket Income Portfolio I Would Build to Pay a 66-Year-Old Couple $4,612 a Month

“He’s a Wolf in the Middle of the Sheep Pen”: Dave Ramsey to a Church Elder Watching a Fellow Member Sell Whole Life Insurance to Congregants

Here’s How You Can Retire to St. Petersburg, Florida, at 65 on $925,000 Where the Sun Shines

68-Year-Old Federal Retiree With $1.2M TSP Discovers Survivor Election Cost Him $90,000

"He's a Wolf in the Middle of the Sheep Pen": Dave Ramsey to a Church Elder Watching a Fellow Member Sell Whole Life Insurance to Congregants

Here's How You Can Retire to St. Petersburg, Florida, at 65 on $925,000 Where the Sun Shines

“He’s a Wolf in the Middle of the Sheep Pen”: Dave Ramsey to a Church Elder Watching a Fellow Member Sell Whole Life Insurance to Congregants

Here’s How You Can Retire to St. Petersburg, Florida, at 65 on $925,000 Where the Sun Shines

Personal Finance Articles

All Personal Finance Articles

A 70 Year Old With $800K Faces Long-Term Care Decision That Could Cost $190K a Year

A $400,000 Income Portfolio That Pays Like a Toledo Rental Property Without the 3 AM Phone Calls

What Retirement Really Looks Like With $2.5M When You Delay Social Security Until 70

A Monthly Dividend Portfolio That Pays Like a Pension and Beats Most Pensions on Inflation Protection

A $2.2 Million Dividend Portfolio That Quietly Pays $13,200 a Month Without a Single MLP Tax Headache

Roger Whitney to 60-Year-Old With $3.5M: ‘Continue to Save in Your Roth 401(k) and Use Your After-Tax Cash’

A Surviving Spouse With $1.4M Faces the Widow’s Penalty That Could Cost $42,000 a Year

The 401(k) Bracket Smoothing Math: Why a 65 Year Old With $1.6 Million Should Convert Exactly $43,000 a Year Until 73

Northwestern Mutual’s 2025 Planning Study: Only 20% of Americans Now Expect to Receive an Inheritance, Down From 25% Last Year

What $7,000 a Month Really Looks Like in Retirement at Age 65

Social Security’s Judgment Day Is Rapidly Approaching, and President Donald Trump May Force the Fed’s Hand

Ted Turner Built CNN on Debt and Near-Bankruptcy. Here Is Why You Should Not Try to Copy Him

What Retirement Really Looks Like at 65 With $1.6M and a $260,000 Mortgage Still on the Books

How Much Do You Really Need Invested to Replace a $40,000 Salary at 62 and Bridge the Five Years Until Social Security at 67?

Here Is the $850,000 Three-Bucket Income Portfolio I Would Build to Pay a 66-Year-Old Couple $4,612 a Month

“He’s a Wolf in the Middle of the Sheep Pen”: Dave Ramsey to a Church Elder Watching a Fellow Member Sell Whole Life Insurance to Congregants

Here’s How You Can Retire to St. Petersburg, Florida, at 65 on $925,000 Where the Sun Shines

68-Year-Old Federal Retiree With $1.2M TSP Discovers Survivor Election Cost Him $90,000

Featured Reads

"He's a Wolf in the Middle of the Sheep Pen": Dave Ramsey to a Church Elder Watching a Fellow Member Sell Whole Life Insurance to Congregants

Here's How You Can Retire to St. Petersburg, Florida, at 65 on $925,000 Where the Sun Shines