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Drew Wood | Apr 30, 2026 at 8:08 PM EDT

For a $2.4 Million Retiree, the Sequence of Returns in Years 1-3 Matters More Than Total Savings

Two retirees, same $2.4 million starting balance, same 7% average annual return over 20 years, same $96,000 annual withdrawal. One…

Drew Wood | Apr 30, 2026 at 5:24 PM EDT

How Much Do You Really Need Invested to Replace a $50,000 Salary With Dividends?

A $50,000 paycheck is close to what many American workers actually earn. The Census Bureau reported 2024 median earnings of…

David Beren | Apr 30, 2026 at 9:41 AM EDT

The 401(k) Paradox: Record Highs Mask a Growing Financial Crisis for Millions

Vanguard’s 2025 How America Saves report describes a 401(k) landscape that appears healthy on the surface yet strained beneath. The…

Maurie Backman | Apr 30, 2026 at 8:54 AM EDT

Social Security Tax Reprieve Has a Shocking Cost for Retirees

If there’s one thing seniors on Social Security have long griped about, and understandably so, it’s the fact that benefits…

Carl Sullivan | Apr 30, 2026 at 8:49 AM EDT

A Real Warning to Engaged Couples: “Stop Venmo-Splitting Bills Like Roommates”

Shelby is a blended-family mom with three kids of her own and a fiancé with his own child. She’s a…

David Beren | Apr 30, 2026 at 8:29 AM EDT

Half of Americans Think $1,000 Is Needed to Start Investing, They’re Wrong

A perception gap is keeping millions of Americans on the sidelines of the stock market. This is especially true if…

Carl Sullivan | Apr 30, 2026 at 7:49 AM EDT

Why Wes Moss Thinks Many People Should Skip Long-term Care Insurance

How much of a nest egg should be held aside for potential long-term care, separate from retirement spending money? That…

Maurie Backman | Apr 30, 2026 at 7:19 AM EDT

Fed Holds Interest Rates Steady: What It Means for Your Social Security COLA

Elevated borrowing rates have been making life difficult for consumers. And many are hoping the Federal Reserve will opt…

Maurie Backman | Apr 30, 2026 at 7:09 AM EDT

Inflation Boost Prompts Fed Rate Pause: Here’s Why Social Security Recipients Lose Out

When the Federal Reserve gathered in April, the general consensus was that the central bank was not going to lower…

Drew Wood | Apr 29, 2026 at 6:59 PM EDT

How Much Do You Really Need Invested to Replace a $40,000 Salary With Dividends?

A $40,000 salary works out to about $19 an hour: a lower-middle wage range for careers like delivery drivers, bank…

David Beren | Apr 29, 2026 at 2:12 PM EDT

46% of Americans Split Their Investments Into Separate Buckets. Should Your Retirement Strategy Too?

The Charles Schwab Modern Wealth Survey 2025 found that 46% of American investors maintain a main investment portfolio alongside one…

Drew Wood | Apr 29, 2026 at 1:44 PM EDT

Delaying Social Security to 70 Could Add $311,000 to a Surviving Spouse’s Lifetime Household Income

The most consequential Social Security decision most married couples will ever make has almost nothing to do with the person…

David Beren | Apr 29, 2026 at 1:32 PM EDT

57% of Americans Say Their Portfolios Are Too Complex to Manage Alone

A Charles Schwab Modern Wealth Survey 2025 finding that 57% of Americans agree modern investment portfolios are more sophisticated and…

Ian Cooper | Apr 29, 2026 at 12:15 PM EDT

OpenAI’s $122 Billion Burn Rate Sparks Debate on AI Spending Excesses

On a recent Animal Spirits Podcast episode, co-host Ben Carlson summed up the AI capex worry plainly: “If there’s one…

David Beren | Apr 29, 2026 at 11:00 AM EDT

35% of Americans Hold Crypto. Here’s Why That Allocation Terrifies Financial Planners

The Charles Schwab Modern Wealth Survey 2025 found that cryptocurrency now accounts for 10% of the average American investor’s portfolio,…

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Personal Finance Articles

All Personal Finance Articles

For a $2.4 Million Retiree, the Sequence of Returns in Years 1-3 Matters More Than Total Savings

How Much Do You Really Need Invested to Replace a $50,000 Salary With Dividends?

The 401(k) Paradox: Record Highs Mask a Growing Financial Crisis for Millions

Social Security Tax Reprieve Has a Shocking Cost for Retirees

A Real Warning to Engaged Couples: “Stop Venmo-Splitting Bills Like Roommates”

Half of Americans Think $1,000 Is Needed to Start Investing, They’re Wrong

Why Wes Moss Thinks Many People Should Skip Long-term Care Insurance

Fed Holds Interest Rates Steady: What It Means for Your Social Security COLA

Inflation Boost Prompts Fed Rate Pause: Here’s Why Social Security Recipients Lose Out

How Much Do You Really Need Invested to Replace a $40,000 Salary With Dividends?

46% of Americans Split Their Investments Into Separate Buckets. Should Your Retirement Strategy Too?

Delaying Social Security to 70 Could Add $311,000 to a Surviving Spouse’s Lifetime Household Income

57% of Americans Say Their Portfolios Are Too Complex to Manage Alone

OpenAI’s $122 Billion Burn Rate Sparks Debate on AI Spending Excesses

35% of Americans Hold Crypto. Here’s Why That Allocation Terrifies Financial Planners

Live Nasdaq Composite: OpenAI IPO Delay Fears Send Markets Out on Sour Note

Move Over, VIG: Why Yield-Hungry Investors Are Quietly Dumping Vanguard for This 3.3% Monster

A VC Says the ‘All Your Eggs in the AI Basket’ Trade Is Finally Cracking — Here’s Where the Money Goes Next

What They Aren’t Telling You About GPIQ’s “Safe” Tech-Income Strategy

A Couple Built a Treasury Ladder for Safe Income. The Yields Nudged Them Toward Medicare's $218,000 IRMAA Cliff.

Nobody Wants To Retire In North Dakota. Maybe That's Exactly Why You Should.

The “BALI” Bull Run: Is BlackRock’s 7.7% Yield Strategy Too Good to Be True?

Move Over, VIG: Why Yield-Hungry Investors Are Quietly Dumping Vanguard for This 3.3% Monster

Personal Finance Articles

All Personal Finance Articles

For a $2.4 Million Retiree, the Sequence of Returns in Years 1-3 Matters More Than Total Savings

How Much Do You Really Need Invested to Replace a $50,000 Salary With Dividends?

The 401(k) Paradox: Record Highs Mask a Growing Financial Crisis for Millions

Social Security Tax Reprieve Has a Shocking Cost for Retirees

A Real Warning to Engaged Couples: “Stop Venmo-Splitting Bills Like Roommates”

Half of Americans Think $1,000 Is Needed to Start Investing, They’re Wrong

Why Wes Moss Thinks Many People Should Skip Long-term Care Insurance

Fed Holds Interest Rates Steady: What It Means for Your Social Security COLA

Inflation Boost Prompts Fed Rate Pause: Here’s Why Social Security Recipients Lose Out

How Much Do You Really Need Invested to Replace a $40,000 Salary With Dividends?

46% of Americans Split Their Investments Into Separate Buckets. Should Your Retirement Strategy Too?

Delaying Social Security to 70 Could Add $311,000 to a Surviving Spouse’s Lifetime Household Income

57% of Americans Say Their Portfolios Are Too Complex to Manage Alone

OpenAI’s $122 Billion Burn Rate Sparks Debate on AI Spending Excesses

35% of Americans Hold Crypto. Here’s Why That Allocation Terrifies Financial Planners

Live Nasdaq Composite: OpenAI IPO Delay Fears Send Markets Out on Sour Note

Move Over, VIG: Why Yield-Hungry Investors Are Quietly Dumping Vanguard for This 3.3% Monster

A VC Says the ‘All Your Eggs in the AI Basket’ Trade Is Finally Cracking — Here’s Where the Money Goes Next

What They Aren’t Telling You About GPIQ’s “Safe” Tech-Income Strategy

Featured Reads

A Couple Built a Treasury Ladder for Safe Income. The Yields Nudged Them Toward Medicare's $218,000 IRMAA Cliff.

Nobody Wants To Retire In North Dakota. Maybe That's Exactly Why You Should.