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Marc Guberti | May 25, 2026 at 12:21 PM EDT

The 5 Year Roth Conversion Ladder a 52 Year Old Can Use to Access $40,000 a Year of Retirement Funds Penalty Free at 57

A 52-year-old with $1.5 million in a traditional 401(k) and a goal to retire at 57 faces a five-year gap.…

Joel South | May 25, 2026 at 12:01 PM EDT

40% of People Earning Over $500,000 Live Paycheck to Paycheck

On a recent episode of the Money Guy Show titled Even Smart People Make These Massive Money Mistakes, co-host Bo…

David Beren | May 25, 2026 at 11:34 AM EDT

The 5-Day Trap: How Missing Less Than a Week Wiped Out $154,000

On a recent episode of the Money Guy Show titled Even Smart People Make These Massive Money Mistakes, co-host Bo…

Drew Wood | May 25, 2026 at 11:19 AM EDT

What a $1 Million Dividend Portfolio Actually Pays After Federal AND State Taxes in California

A California retiree with a $1 million dividend portfolio earning a 5% blended yield grosses $50,000 in annual income. After…

Joel South | May 25, 2026 at 11:05 AM EDT

S&P 500 Dividends Just Hit an All-Time Low Going Back to the 1800s — Here’s What Retirees Need to Know

The host of Retire SMART Podcast opened Episode 416 with a number that should stop every income-focused retiree in their…

David Beren | May 25, 2026 at 10:16 AM EDT

Buy Now Pay Later Isn’t Free Money, It’s Costing You 8-10% in Hidden Fees

George Kamel, the Ramsey Solutions personality, recently spent 23 minutes on YouTube dismantling the Buy Now Pay Later pitch. His…

Joel South | May 25, 2026 at 9:41 AM EDT

‘You Guys Make Too Much to Be This Broke’: Rachel Cruze to Family Earning $340K With $200K in Debt

On a recent episode of The Ramsey Show, a caller named Joseph laid out a math problem that should not…

Jeremy Phillips | May 25, 2026 at 9:35 AM EDT

“The Stupidest Thing I Ever Heard”: Suze Orman on Why Waiting Until RMDs Are Required Wrecks Retirement

Suze Orman delivers financial advice with a blowtorch. On her October 10, 2024 podcast, a 65-year-old retired caller named Deb…

Drew Wood | May 25, 2026 at 9:18 AM EDT

A 67-Year-Old Single Retiree With $920,000 Can Stretch It to Age 95 If the COLA Holds Above 2 Percent

A 67-year-old retiree with $920,000 saved and drawing a $2,800 monthly Social Security benefit appears, at first glance, to be…

Austin Smith | May 25, 2026 at 8:25 AM EDT

The $10,000 Growth in Your 529 Plan Becomes $6,200 After Taxes and Penalties if You Withdraw Early

The question comes up on call-in shows constantly: a parent staring at a credit card statement they cannot pay, looking…

Joel South | May 25, 2026 at 8:22 AM EDT

‘It’s Redneck Envy’: Dave Ramsey Defends Billionaires’ Yachts With Ratio Logic

On a recent episode of Ramsey Everyday Millionaires, a caller asked whether a boat costing more than his annual income…

Ian Cooper | May 25, 2026 at 8:08 AM EDT

A 67-Year-Old With a $620,000 Inherited 401(k) Faces an $80,000 Tax Bomb Most Heirs Do Not See Coming

Inheriting a parent’s retirement account sounds like a windfall. For a 67-year-old still pulling in a high W-2, it can…

Drew Wood | May 25, 2026 at 7:17 AM EDT

If You Have $1.2 Million Saved at 63 and a Mortgage Still on the Books, Here Is What Retirement Actually Looks Like

At 63, with $1.2 million in savings and a $185,000 mortgage hanging around at 4.875%, retirement starts to feel like…

Drew Wood | May 25, 2026 at 5:14 AM EDT

The Eight-Rung Treasury Bond Ladder That Pays a 72-Year-Old $40,000 a Year With Zero Credit Risk on $850,000

A retiree with $850,000 in savings who wants about $40,000 a year in reliable income may not need to take…

Marc Guberti | May 24, 2026 at 11:21 PM EDT

The Hidden 401(k) Tax Bomb That Hits a $1.3 Million Saver With $19,800 in Their First RMD Year

Picture a single 73-year-old retiree sitting on $1.3 million in a traditional 401(k), drawing $36,000 a year in Social Security,…

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Personal Finance Articles

All Personal Finance Articles

The 5 Year Roth Conversion Ladder a 52 Year Old Can Use to Access $40,000 a Year of Retirement Funds Penalty Free at 57

40% of People Earning Over $500,000 Live Paycheck to Paycheck

The 5-Day Trap: How Missing Less Than a Week Wiped Out $154,000

What a $1 Million Dividend Portfolio Actually Pays After Federal AND State Taxes in California

S&P 500 Dividends Just Hit an All-Time Low Going Back to the 1800s — Here’s What Retirees Need to Know

Buy Now Pay Later Isn’t Free Money, It’s Costing You 8-10% in Hidden Fees

‘You Guys Make Too Much to Be This Broke’: Rachel Cruze to Family Earning $340K With $200K in Debt

“The Stupidest Thing I Ever Heard”: Suze Orman on Why Waiting Until RMDs Are Required Wrecks Retirement

A 67-Year-Old Single Retiree With $920,000 Can Stretch It to Age 95 If the COLA Holds Above 2 Percent

The $10,000 Growth in Your 529 Plan Becomes $6,200 After Taxes and Penalties if You Withdraw Early

‘It’s Redneck Envy’: Dave Ramsey Defends Billionaires’ Yachts With Ratio Logic

A 67-Year-Old With a $620,000 Inherited 401(k) Faces an $80,000 Tax Bomb Most Heirs Do Not See Coming

If You Have $1.2 Million Saved at 63 and a Mortgage Still on the Books, Here Is What Retirement Actually Looks Like

The Eight-Rung Treasury Bond Ladder That Pays a 72-Year-Old $40,000 a Year With Zero Credit Risk on $850,000

The Hidden 401(k) Tax Bomb That Hits a $1.3 Million Saver With $19,800 in Their First RMD Year

He Retired at 55 With $1.2 Million in His 401(k). One Routine Paperwork Move Would Have Locked It All Up for Years

Have a Big 401(k) and Turning 60? Your Catch-Up Limit Just Jumped to $11,250 and the Window Closes at 64

Chief Economic Adviser: “There Is No Way” the Bond Market Can Fund the AI Boom Without Higher Yields

He Retired at 55 With $1.2 Million in His 401(k). One Routine Paperwork Move Would Have Locked It All Up for Years

Have a Big 401(k) and Turning 60? Your Catch-Up Limit Just Jumped to $11,250 and the Window Closes at 64

He Retired at 55 With $1.2 Million in His 401(k). One Routine Paperwork Move Would Have Locked It All Up for Years

Have a Big 401(k) and Turning 60? Your Catch-Up Limit Just Jumped to $11,250 and the Window Closes at 64

Personal Finance Articles

All Personal Finance Articles

The 5 Year Roth Conversion Ladder a 52 Year Old Can Use to Access $40,000 a Year of Retirement Funds Penalty Free at 57

40% of People Earning Over $500,000 Live Paycheck to Paycheck

The 5-Day Trap: How Missing Less Than a Week Wiped Out $154,000

What a $1 Million Dividend Portfolio Actually Pays After Federal AND State Taxes in California

S&P 500 Dividends Just Hit an All-Time Low Going Back to the 1800s — Here’s What Retirees Need to Know

Buy Now Pay Later Isn’t Free Money, It’s Costing You 8-10% in Hidden Fees

‘You Guys Make Too Much to Be This Broke’: Rachel Cruze to Family Earning $340K With $200K in Debt

“The Stupidest Thing I Ever Heard”: Suze Orman on Why Waiting Until RMDs Are Required Wrecks Retirement

A 67-Year-Old Single Retiree With $920,000 Can Stretch It to Age 95 If the COLA Holds Above 2 Percent

The $10,000 Growth in Your 529 Plan Becomes $6,200 After Taxes and Penalties if You Withdraw Early

‘It’s Redneck Envy’: Dave Ramsey Defends Billionaires’ Yachts With Ratio Logic

A 67-Year-Old With a $620,000 Inherited 401(k) Faces an $80,000 Tax Bomb Most Heirs Do Not See Coming

If You Have $1.2 Million Saved at 63 and a Mortgage Still on the Books, Here Is What Retirement Actually Looks Like

The Eight-Rung Treasury Bond Ladder That Pays a 72-Year-Old $40,000 a Year With Zero Credit Risk on $850,000

The Hidden 401(k) Tax Bomb That Hits a $1.3 Million Saver With $19,800 in Their First RMD Year

He Retired at 55 With $1.2 Million in His 401(k). One Routine Paperwork Move Would Have Locked It All Up for Years

Have a Big 401(k) and Turning 60? Your Catch-Up Limit Just Jumped to $11,250 and the Window Closes at 64

Chief Economic Adviser: “There Is No Way” the Bond Market Can Fund the AI Boom Without Higher Yields

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He Retired at 55 With $1.2 Million in His 401(k). One Routine Paperwork Move Would Have Locked It All Up for Years

Have a Big 401(k) and Turning 60? Your Catch-Up Limit Just Jumped to $11,250 and the Window Closes at 64