Personal Finance Articles

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5309 Articles

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…

Drew Wood | Jun 30, 2026 at 6:14 AM EDT

The Celebration Portfolio That Pays For Date Nights, Birthdays, And Anniversaries Forever

Retirement planning usually starts with fear: housing, healthcare, and outliving the portfolio. Yet many of the moments people remember most…

Gerelyn Terzo | Jun 30, 2026 at 6:03 AM EDT

Forced to Take an RMD in a Down Market? Here’s the Tax Move That Avoids Selling Low

She is 75, retired, and looking at a brokerage statement she would rather not open. The market sold off hard…

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Personal Finance Articles

All Personal Finance Articles

$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

The Celebration Portfolio That Pays For Date Nights, Birthdays, And Anniversaries Forever

Forced to Take an RMD in a Down Market? Here’s the Tax Move That Avoids Selling Low

‘The Borrower Is Slave to the Lender’: Dave Ramsey Warns a 22-Year-Old Against Letting a Rich Friend Pay Off His $70,000 Debt

$1 Million in Retirement Savings Spends Like $40,000 a Year. Here’s Why That’s Not Enough.

The Portfolio That Lets You Go Part-Time Five Years Early

'The Borrower Is Slave to the Lender': Dave Ramsey Warns a 22-Year-Old Against Letting a Rich Friend Pay Off His $70,000 Debt

$1 Million in Retirement Savings Spends Like $40,000 a Year. Here's Why That's Not Enough.

‘The Borrower Is Slave to the Lender’: Dave Ramsey Warns a 22-Year-Old Against Letting a Rich Friend Pay Off His $70,000 Debt

$1 Million in Retirement Savings Spends Like $40,000 a Year. Here’s Why That’s Not Enough.

Personal Finance Articles

All Personal Finance Articles

$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

The Celebration Portfolio That Pays For Date Nights, Birthdays, And Anniversaries Forever

Forced to Take an RMD in a Down Market? Here’s the Tax Move That Avoids Selling Low

‘The Borrower Is Slave to the Lender’: Dave Ramsey Warns a 22-Year-Old Against Letting a Rich Friend Pay Off His $70,000 Debt

$1 Million in Retirement Savings Spends Like $40,000 a Year. Here’s Why That’s Not Enough.

The Portfolio That Lets You Go Part-Time Five Years Early

Featured Reads

'The Borrower Is Slave to the Lender': Dave Ramsey Warns a 22-Year-Old Against Letting a Rich Friend Pay Off His $70,000 Debt

$1 Million in Retirement Savings Spends Like $40,000 a Year. Here's Why That's Not Enough.