MoneyThe Spousal IRA Contribution: The Retirement Account Most Couples Don't Know Exists
Your spouse doesn't need earned income to fund an IRA. The math on what you're leaving behind is not small.
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MoneyAnnuity vs. 401(k): What Your Insurance Agent Isn't Telling You
The comparison is usually a sales pitch disguised as a question. Here's how to tell the difference.
MoneyHow to Retire Early: What the Math Actually Requires
Early retirement sounds like a dream. For people over 55, the math is surprisingly doable if you know the four landmines and how to walk around them.
InsuranceLife Insurance for Seniors: What Actually Makes Sense After 60
The calculus changes completely after 60. Here's how to figure out what you actually need, what you don't, and what the industry hopes you never ask.
Estate PlanningLiving Trust vs. Will: The Question Most People Get Wrong
The real question isn't which document is better. It's which problems you're trying to solve, and in what order.
MoneyThe Long-Term Care Conversation Nobody Is Having
The most expensive financial event of your life might be the one you haven't planned for. The numbers are available. Almost nobody looks.
MoneyWhy You Can't Make Yourself Spend the Money
You saved for forty years. Now you can't bring yourself to touch it. You're not alone, and it's not about the money.
MoneyThe Social Security Math They Don't Show You
You can claim at 62 and feel smart for getting out early. Or you can wait and collect 77% more per month for the rest of your life. The numbers are not ambiguous.
MoneyThe Fee They Never Show You
Every mutual fund has an expense ratio. Most people in retirement accounts have no idea what theirs is, and the fund companies are not going to remind them.