Here's why so many Americans can't handle a $400 unexpected expense
Some 40% of Americans would struggle to come up with even $400 to pay for an emergency expense. Just how are so many Americans so short on cash? Blame debt.| CNBC
Some 40% of Americans would struggle to come up with even $400 to pay for an emergency expense. Just how are so many Americans so short on cash? Blame debt.| CNBC
Estate planning experts emphasize that proper preparation can make all the difference between a smooth transfer of assets to heirs and a complicated, potentially contentious process. Financial advisors point to several critical steps that individuals should take to ensure their wishes are carried out effectively after their passing. The process involves more than just creating […] The post Estate Planning: key steps for smooth asset transfer appeared first on Due.| Due
I’ve designed a list to help you find strong long-term investment choices that support retirement goals. This content provides an objective ranking of firms known for their performance, reliability, and customer satisfaction: a historical view and recent performance data back the selections. The evaluations focus on key factors to present clear insights into each option. […] The post Top 13 Long-Term Investments For Retirement appeared first on Due.| Due
People often envision retirement as a time of leisure: long mornings with coffee, travel, family time, or finally pursuing hobbies put off during their working years. The reality is that retirees often overlook the hidden costs associated with retirement — expenses that aren’t reflected in glossy brochures and optimistic financial projections. As such, retirement plans can […] The post The Hidden Costs of Retirement No One Talks About: How to Prepare for the Unexpected appeared first o...| Due
Here is some clear guidance for those planning for retirement. It provides data-supported details on leading investment firms that focus on retirement savings. The discussion helps users compare options based on a range of evaluation measures. Background research shows that many investors seek low fees, varied investment products, and strong support when planning their future. […] The post Top 10 Investments For Retirement appeared first on Due.| Due
Here we list retirement investors by presenting a range of stocks with solid performance records. The selection reflects careful review of historical results, current dividend data, earnings performance, and overall stability in the market. The companies have maintained steady financial progress and display characteristics suited for long-term income and growth. Investors can use this guide […] The post Top 13 Performing Stocks For Retirement appeared first on Due.| Due
With many self-directed IRA platforms specializing in just one area such as cryptocurrency or precious metals, IRA Financial stands out for its breadth. Whether you want to invest in real estate or startups, set up a Solo 401(k) for your business, or have checkbook control, IRA Financial allows you to manage it all in one place. In this IRA Financial review, I’ll share who I believe this platform is best suited for and who may be better served by other options. What Makes IRA Financial ...| The Ways To Wealth
Retirement security is less a number and more a mindset. Flexibility can be the difference between surviving and thriving. The post Flexibility in Financial Planning: 10 Strategies to Build a Future That Can Bend Without Breaking appeared first on Boldin.| Boldin
Discover how mini-retirements can create career clarity, freedom & growth. Jillian Johnsrud shares her 4-step framework for intentional time off. The post Podcast 99: What If You Didn’t Wait? Mini Retirements, Big Life with Jillian Johnsrud appeared first on Boldin.| Boldin
Should I invest in 401k or Roth IRA? Learn how to decide based on taxes, income, and retirement goals, with examples and guidance. The post Should I Invest in 401k or Roth IRA? appeared first on Boldin.| Boldin
Learn Roth 401k limits for 2025, catch-up amounts, and strategies to maximize contributions. Get tax-free growth tips now. The post Roth 401k Limits — Contribution Rules, Catch-Up Amounts, and Planning Strategies appeared first on Boldin.| Boldin
We made the 2025 Inc. 5000 list! Thank you to our community for helping us grow and transform financial planning. The post Boldin Made the 2025 Inc. 5000 List of the Fastest Growing Companies in America appeared first on Boldin.| Boldin
Financial motivations drive your financial decisions. Be aware of them and you will make better choices. The post What Motivates You? How Financial Motivations Impact Your Decision Making appeared first on Boldin.| Boldin
Lee Hart is dusting off the keyboard and coming out of retirement to revive the Hart Attacks column that many Grainews readers might remember. The post Lee Hart: Out of the ashes of retirement appeared first on Grainews.| GrainewsGrainews
https://youtu.be/DEbFbVKZyBk Federal employees often find themselves standing at financial and emotional crossroads: Should they retire early and enjoy more years of freedom, or keep working to maximize their pension and build greater financial security? Unfortunately, you can’t do both. You cannot retire early and also get the absolute largest pension […] The post Early Retirement vs. Maximizing Your Pension: Which Path Is Best? appeared first on Haws Federal Advisors.| Haws Federal Advisors
Let’s talk about estate planning. Now before you click away thinking, “I’ll deal with that later,” I urge you—please hang with me. Estate| Haws Federal Advisors
After being in a savings mode for a good part of your life, you have now transitioned into retirement and may be wondering the best way draw down assets from your investment accounts to meet your living expenses and not incur significant taxes. The accumulation phase was somewhat straightforward as you used tax-advantaged investments to| Grand Life Financial
Do personal finance journalists ever really retire? Jonathan Chevreau talks to Rob Carrick and other long-time writers about stepping back from full-time work.| MoneySense
A USA Today article recently reported that more Americans than ever before will have access to Health Savings Accounts (HSAs) starting next year. Thanks to new provisions in President Donald Trump’s “One Big Beautiful Bill Act,” experts say tens of millions more people will be able to benefit from this triple tax-advantaged savings vehicle. The […] The post Health Savings Accounts (HSAs) get a boost under the “One Big Beautiful Bill.” first appeared on THInc.| THInc
When the “One Big Beautiful Bill Act” passed, the Social Security Administration (SSA) made an announcement that turned a lot of heads. In it, they stated: “The new law includes a provision that eliminates federal income taxes on Social Security benefits for most beneficiaries”1 That line spread quickly — and so did the criticism. Many […] The post Confusion Over Social Security Taxes and the New Senior Deduction appeared first on Heritage Financial Services.| Heritage Financial Services
Staying mentally sharp is just as important as having a sound financial plan. Just as you plan for long-term financial security, it’s worth investing in long-term brain health to lower your dementia risk.| Heritage Financial Services
Beyond the headlines: The new tax law's true impact for job seekers and investors lies in how it will transform industries and create opportunities in areas such as regional accounting, AI and outsourced business services.| Kiplinger
Even if your financial plan is on autopilot, now is the perfect time to make sure it's still aligned with your goals, especially if retirement is on the horizon.| Kiplinger
Recent research shows retirees don't even spend the income from their retirement portfolios, but is it a consumption gap or a normal spending pattern?| Nerd's Eye View | Kitces.com
Retired early, but not done. Scott Garrett shares how Boldin gave him the confidence to leave work and retire on his own terms.| Boldin
Too many people think that their financial destiny is set and can't be changed. Find out how a planning mindset improves wealth and security.| Boldin
From retirement boredom to too much to do, here are the top 9 surprises when you stop working. Plus, 14 ways to overcome the challenges.| Boldin
https://youtu.be/njuBp_E2ors For federal employees, one of the most important retirement benefits is the Cost-of-Living Adjustment (COLA). COLAs help ensure that your retirement income keeps pace with inflation over time. Without these adjustments, your pension would lose purchasing power every year—and what once felt like a comfortable retirement could quickly become […] The post When Do Federal Employees Get COLAs to Their Pension? appeared first on Haws Federal Advisors.| Haws Federal Advisors
https://youtu.be/NRPkCFnu1ow For many federal employees, becoming a TSP millionaire might sound like a lofty goal—but it’s far more attainable than you might think. Every day, we speak to federal employees who’ve reached or are well on their way to that milestone. These aren’t hedge fund managers or financial gurus. […] The post TSP Millionaire: Strategies for Federal Employees to Build Wealth appeared first on Haws Federal Advisors.| Haws Federal Advisors
Federal employees have access to complex benefits like the Thrift Savings Plan (TSP), FERS or CSRS pensions, FEGLI, and more. A generic| Haws Federal Advisors
People turn to AI to help cut through the noise, as seen in a 2024 AARP survey that generative AI usage has doubled among Americans aged 50+.| Due
https://youtu.be/ANnFuVaNAiI You’ve worked hard to earn your benefits—now it’s time to make sure you keep more of them. After working with thousands of federal employees over the years, one of the biggest regrets we hear is, “I wish I had started these tax-saving strategies earlier.” The good news? Whether you’re […] The post Best Hidden Tax Saving Opportunities for Federal Employees appeared first on Haws Federal Advisors.| Haws Federal Advisors
As a federal employee, you’ve dedicated years or even decades of service to your country, and along the way, you’ve built a significant nest| Haws Federal Advisors
The rise of trends like temporary retirement shows that we are changing how we think about things like work, time, and life.| Heritage Financial Services
These days, higher prices have made it harder for Americans to feel well off, almost regardless of their net worth.| CNBC
For many federal employees, the question of whether an $800,000 TSP (Thrift Savings Plan) balance is sufficient for a secure and comfortable| Haws Federal Advisors
The level of workers who retired then came back a year later is running around 3.2%, just about where it was before the pandemic.| CNBC
7 Shocking Retirement Truths That Nobody Talks About Retirement is often painted as a time for travel, golf, and endless relaxation. But the transition out of full-time work isn’t just a financial finish line; it’s a whole new stage of life with hidden challenges that can catch you off guard. If you think you’re ready […] The post 7 Retirement Truths Nobody Tells You: Prepare for Hidden Risks and Realities appeared first on WealthKeel Advisors LLC.| WealthKeel Advisors LLC
Federal employees often hear about the fantastic benefits they receive, but many of these benefits are underutilized simply because they are| Haws Federal Advisors
The House of Representatives passed a bill that would make it more difficult to fire or discipline older workers based solely on their age.| CNBC
A self-directed 401(k) is for people who are self-employed or for small businesses that only employ the owners. It also lets account owners invest in nontraditional assets, such as: Contributing to a Self-Directed 401(k) With a self-directed 401(k), the account owner can make contributions as both an employer and an employee. As an employee, you can contribute up to [...] Read More... The post Self-Directed 401(k) Plans Broken Down and Explained appeared first on Accuplan.| Accuplan
How to accurately build your retirement budget even if you're years away from retirement, including detailed steps to take to track your spending.| The Boston Advisor
Your home is probably your biggest asset, so if you're getting a divorce, the stakes are high. Keep it? Sell it? You need to have a good plan in place for how to handle it.| Kiplinger
If you are one of the more fortunate to receive a pension, there may be several different payout options, like a lump-sum payout, and understanding the pros and cons of each can make a significant difference in how your retirement unfolds. A traditional pension, or annuity, means that you receive a fixed ... Read more. The post With a pension plan, is an annuity or lump-sum payout better for me? appeared first on Grand Life Financial.| Grand Life Financial
Budgeting for health care during retirement depends largely on your age and overall health. However, it is important to plan ahead as the cost of health care will likely increase as you age. According to the U.S. Bureau of Labor Statistics, those 65 and older, on average, spend over $4,000 per month. Medicare is| Grand Life Financial
The million-dollar question is this: How can you ensure that your retirement is not just secure today, but will hold up for the long term?| Haws Federal Advisors
Early retirement is the dream. But, it can also an unfortunate reality for many. Worried about a forced retirement? Here is a 6 step plan.| Boldin
Creating guaranteed income sources in retirement will help you truly enjoy your golden years and spend less time worrying about money.| Kiplinger
The number of workers who say they are stretched thin has remained stubbornly high as inflation weighs on American households.| CNBC
Health Savings Accounts (HSAs) stand out as one of the best tax-advantaged retirement accounts available, yet research indicates only 9.6% of Americans own one. For individuals already maximizing their 401(k) contributions, an HSA offers an excellent additional avenue for retirement savings. According to Fidelity's 2024 estimate, a 65-year-old individual may need an average of $165,000| THInc
4% is a safe retirement withdrawal rate according to a popular rule of thumb. Its creator has done more research and thinks you can withdraw even more.| The Boston Advisor
Most Canadians understand the importance of having a budget while saving for retirement—but few realize just how critical budgeting becomes after you retire. While your working years are about maximizing savings and staying invested, retirement introduces a new challenge: spending wisely without outliving your money. One of the most common questions from retirees is:“How do …| MOOSE MARKETS
Getting divorced later in life can be a big financial blow, especially for women. But, as this financial adviser points out, it can also serve as a positive turning point for growth and independence.| Kiplinger
Last week Reader B, a fellow Canadian shared his amazing dividend investing story with us. B and his wife retired in 2004 at age 55 and have been living off| Tawcan
Why women aren't prioritising themselves financially and how professional help can support women on their wealth journey.| Progeny
In this episode of ‘Retire with Style’, hosts Alex Murguia and Wade Pfau delve into the intricacies of financial planning for retirement. They introduce the concept of a financial planning framework, emphasizing the importance of understanding one’s goals, risks, and the alignment of assets. The discussion covers the Retirement Income Challenge, the Retirement Income Optimization Map, and the four key goals of retirement: longevity, lifestyle, legacy, and liquidity. They also explore th...| RISA Profile
457(b) plans are a great fit for physicians looking to boost their retirement savings. Here are 457(b) basics that you need to know.| WealthKeel Advisors LLC
Planning an early retirement involves more than just financial planning. Here are three important yet overlooked areas of retirement planning.| Modern Gypsy
Ensure a smooth transition for your heirs. Learn about 12 key assets your financial advisor advises against leaving for your heirs.| HRSS CPA
President Trump's reelection likely means major policy shifts. Here are 5 considerations for preparing your retirement plans for these changes.| Boldin
This article is inspired by Mark's recent post on his blog where he revisited their financial independence assumptions. I have shared some numbers on this| Tawcan
How the portfolio size effect impacts the optimal asset allocation glidepath of a lifecycle or target date fund, and how a bond tent reduces volatility risk.| Nerd's Eye View | Kitces.com
how much taxes do we need to pay on our dividend income when we're financially free?| Tawcan
Today, the 8th post in The Retirement Reality Series, where I share the lessons from retirement at various stages of my journey.| The Retirement Manifesto
Knowing how to invest for retirement can be complicated and it is not an innate skill. However, you can do it with these 7 simple tips.| Boldin
Have you always thought about living in another country? Learn how to make your dreams of living abroad a reality. Click for more.| Boldin
One of the age old retirement questions is whether to take a pension or a lump sum payment. We discuss, using an example from baseball.| Financial Symmetry, Inc.
Examine a provision in the recently enacted SECURE 2.0 retirement legislation concerning the RMD rules and explain how it can help taxpayers.| Retirement Industry Trust Association
Avoid costly mistakes with your Health Savings Accounts (HSA). Learn about the common errors and how to maximize the benefits of HSAs.| WealthKeel Advisors LLC
Learn four smart ways high-income families can pay for college without student loans. Discover tips on savings, school selection, and more.| WealthKeel Advisors LLC
Recently, a newly retired acquaintance commented how she feels bad that she doesn’t want to travel in retirement as that’s what seems to be expected. Unfortunately, the expectations for retirement…| retirementtransition
A petition by a charity to halt the proposed changes by the Government to this year’s Winter Fuel Payment is close to reaching its target.| Your Money
So, you're looking at about 10 years to retirement. What are the necessary planning steps to pay attention to now?| Clever Dude Personal Finance & Money
Are you considering what you need to do to prep for retirement? Here is a comprehensive guide about retirement planning for women.| Budget and the Bees
Without patience, your retirement plan will not work. You have to wait for some things. One thing you don’t need to wait for is our terrific weekly retirement links. Start reading them today and plan for a brighter tomorrow. At what age does working get harder? Flowing Data Add gratitude to your retirement plan. A...| A Teachable Moment
Learn about the best tours for seniors traveling alone or in a group, on a bus, train, and other top tours in Canada.| Savvy New Canadians
Learn what benefits are available for low-income seniors in BC, like the BC Senior’s Supplement and other BC housing grants.| Savvy New Canadians
A bad sequence of returns can deplete a portfolio in retirement, but in fact, it's far more common for favorable sequences to create an excess of wealth.| Nerd's Eye View | Kitces.com
3 years ago, I first wrote about our financial independence assumptions where I estimated how much we would need to be financially independent. Later, I wrote| Tawcan
Living off dividends. Find out how a fellow Canadian retired at 55 and now living off dividends ($360k a year!) and paying almost no taxes.| Tawcan
Downsizing your home to upgrade your life can be a good idea. Here are the benefits and disadvantages of downsizing, plus tips for seniors.| Savvy New Canadians
Learn everything you need to know about subsidized housing for low-income seniors in Ontario, including housing options and how to apply.| Savvy New Canadians
Seniors who stay in their home as they age can get benefits. Learn about government assistance for seniors living at home in Canada.| Savvy New Canadians
We discuss the ways in which you can utilise your financial plan to experience a meaningful and happy life and what that means for you.| Progeny
I read an article the other day that had me wondering about retirement again. The article was about the positive side of flunking retirement! The article’s research (link here) indicated that, “Onl…| retirementtransition
The rising cost of retirement means a re-evaluation of your financial plan is key to helping you stay on track for financial freedom.| Progeny
Discover how to avoid 5 common Roth IRA traps that high-income earners face, including marriage and income jumps. Learn easy Backdoor strategies!| WealthKeel Advisors LLC
The Canada Pension Plan (CPP) is Canada's social security system that provides eligible retirees and disabled individuals a basic lifetime income after age 65. It's a monthly taxable benefit that replaces a portion of your| Savvy New Canadians
Here are the best accounts to hold your savings and investments.| MoneySense
Quakers live in accordance with four core principles, or testimonies: Honesty and integrity, Simplicity, Equality and Peace. These testimonies are not imposed, but guide their personal and professional lives. You are invited to use these advices and queries alongside our methods for decision making to challenge and inspire your work and business.| Quaker Aging Resources
Debt among older Americans has increased dramatically since 1999, due partly to the erosion of the country's social safety net.| CNBC
What are the best retirement accounts for Physicians? Chad Chubb covers the 401k, 403b, HSA, 457b, Backdoor Roth IRA, and taxable accounts.| WealthKeel Advisors LLC
(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. See our Disclosure for more info.) If there is one thing that personal finance gurus all seem to agree on, it is this: You...| Women Who Money
Today, we focus on the fact that 72% of retirees are happy, and contrast them to the 28% who are depressed. What drives the difference?| The Retirement Manifesto
(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. See our Disclosure for more info.) There are few maxims in personal finance more beloved than “You should have a paid-off house in retirement.” ...| Women Who Money
