Personal Finance Articles

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5239 Articles

Drew Wood | May 21, 2026 at 8:15 AM EDT

You Do Not Need 30 Years of Federal Service to Build a Pension. Here Is the $495,000 Dividend Portfolio That Pays Like One

A federal employee retiring at 62 after 30 years of service with a “high-3” salary average of $90,000 would receive…

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 boring, 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…

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Personal Finance Articles

All Personal Finance Articles

You Do Not Need 30 Years of Federal Service to Build a Pension. Here Is the $495,000 Dividend Portfolio That Pays Like One

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?

The Neocloud Trade Could Turn Shareholders Into Bagholders. Nebius Just Cratered 17%

Why Buy Stocks When T-Bills Pay 5%? Jim Cramer’s Blunt Answer

VOO’s 0.03% Fee Hides the Real Cost: Why Cheaper Competitors Charge Half as Much

Why Buy Stocks When T-Bills Pay 5%? Jim Cramer's Blunt Answer

Dave Ramsey Is Baffled by a Debt-Free Couple Making $100,000 Who Can't Save a Dollar: 'I Just Can't Fill Up All the $1,000 Holes'

You Earn $400K and Hand the IRS 35%. These 3 ETFs Help You Keep More

The Neocloud Trade Could Turn Shareholders Into Bagholders. Nebius Just Cratered 17%

Personal Finance Articles

All Personal Finance Articles

You Do Not Need 30 Years of Federal Service to Build a Pension. Here Is the $495,000 Dividend Portfolio That Pays Like One

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?

The Neocloud Trade Could Turn Shareholders Into Bagholders. Nebius Just Cratered 17%

Why Buy Stocks When T-Bills Pay 5%? Jim Cramer’s Blunt Answer

VOO’s 0.03% Fee Hides the Real Cost: Why Cheaper Competitors Charge Half as Much

Featured Reads

Why Buy Stocks When T-Bills Pay 5%? Jim Cramer's Blunt Answer

Dave Ramsey Is Baffled by a Debt-Free Couple Making $100,000 Who Can't Save a Dollar: 'I Just Can't Fill Up All the $1,000 Holes'