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David Beren | May 21, 2026 at 9:49 AM EDT

The Northwestern Mutual 2025 Study Found That 61% of Americans Have No Will, and Boomers Are Not Exempt

The Northwestern Mutual 2025 Planning & Progress Study reveals a significant gap between what Americans want to do with their…

Marc Guberti | May 21, 2026 at 9:47 AM EDT

Retirees With Over $1.5 Million in a Traditional 401(k) Are Being Warned About This $43,000 Annual RMD at 73

The math hits different once you read it on an IRS worksheet. A 73-year-old with $1.5 million in a traditional…

Jeremy Phillips | May 21, 2026 at 9:36 AM EDT

Suze Orman on Inherited IRA RMDs: Do You Owe One Every Year of the 10-Year Window?

On the March 19, 2026 episode of Suze Orman’s Women & Money, a listener named Kim asked the question every…

Drew Wood | May 21, 2026 at 9:21 AM EDT

A $620,000 Portfolio That Pays More Than the Average Couple’s Combined Social Security

The Social Security Administration estimates the average retired worker benefit at roughly $2,076 per month in 2026. For a married…

Drew Wood | May 21, 2026 at 8:54 AM EDT

Here Is What I Would Tell a 64-Year-Old Who Just Inherited a $750,000 IRA and Is About to Hand the IRS $186,000 Without Knowing It

The phone call comes from the estate attorney: your late father left you his traditional IRA, and the balance is…

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 &…

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Personal Finance Articles

All Personal Finance Articles

The Northwestern Mutual 2025 Study Found That 61% of Americans Have No Will, and Boomers Are Not Exempt

Retirees With Over $1.5 Million in a Traditional 401(k) Are Being Warned About This $43,000 Annual RMD at 73

Suze Orman on Inherited IRA RMDs: Do You Owe One Every Year of the 10-Year Window?

A $620,000 Portfolio That Pays More Than the Average Couple’s Combined Social Security

Here Is What I Would Tell a 64-Year-Old Who Just Inherited a $750,000 IRA and Is About to Hand the IRS $186,000 Without Knowing It

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

RSP’s Equal-Weight Trap: How a $10,000 Investment Lost $27,800 to Fees and Rebalancing Drag Over a Decade

Two Income ETFs Retirees Can Buy Inside a Roth IRA to Generate Tax Free Cash for Life

Personal Finance Expert Warns Buy Now, Pay Later Can Reach “100% APR” as 29% of Customers Use It to Buy Groceries

Personal Finance Expert Warns Buy Now, Pay Later Can Reach “100% APR” as 29% of Customers Use It to Buy Groceries

A $250,000 Annuity Guarantees $1,600 a Month for Life, but What Are Retirees Giving Up?

RSP’s Equal-Weight Trap: How a $10,000 Investment Lost $27,800 to Fees and Rebalancing Drag Over a Decade

Two Income ETFs Retirees Can Buy Inside a Roth IRA to Generate Tax Free Cash for Life

Personal Finance Articles

All Personal Finance Articles

The Northwestern Mutual 2025 Study Found That 61% of Americans Have No Will, and Boomers Are Not Exempt

Retirees With Over $1.5 Million in a Traditional 401(k) Are Being Warned About This $43,000 Annual RMD at 73

Suze Orman on Inherited IRA RMDs: Do You Owe One Every Year of the 10-Year Window?

A $620,000 Portfolio That Pays More Than the Average Couple’s Combined Social Security

Here Is What I Would Tell a 64-Year-Old Who Just Inherited a $750,000 IRA and Is About to Hand the IRS $186,000 Without Knowing It

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

RSP’s Equal-Weight Trap: How a $10,000 Investment Lost $27,800 to Fees and Rebalancing Drag Over a Decade

Two Income ETFs Retirees Can Buy Inside a Roth IRA to Generate Tax Free Cash for Life

Personal Finance Expert Warns Buy Now, Pay Later Can Reach “100% APR” as 29% of Customers Use It to Buy Groceries

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Personal Finance Expert Warns Buy Now, Pay Later Can Reach “100% APR” as 29% of Customers Use It to Buy Groceries

A $250,000 Annuity Guarantees $1,600 a Month for Life, but What Are Retirees Giving Up?