Blog Feed
Here’s How Much the Man Who Invented the 4% Rule Actually Spends in Retirement (Spoiler: It’s More …
Determining how to decumulate your nest egg in retirement is one of the hardest tasks in finance. Is the 4% rule still a good guideline? The post He…
Is It Possible to Inflation-Proof Your Retirement?
Picture this: You’re 70 years old, comfortably retired, and heading to the grocery store with the same shopping list you’ve used for year…
12 Reasons to Consider More Roth
Roth conversions and contributions may be the most challenging topic in personal finance and investing. Here's how to utilize them. The post 12 Reas…
Optimizing 401ks When You Change Jobs Mid-Year
Most people think the annual 401k limit is $70k. They're wrong. If you switch jobs or have a side hustle, you can open up a second 401k limit. Learn …
529 Plan Alternatives: UMGA, Roth IRA, And More
Learn about 529 plan alternatives like UGMA and Roth IRAs, including their pros and cons for college savings. The post 529 Plan Alternatives: UMGA, R…
Cutting Taxes & Retiring Sooner w/ Cody Garrett – Episode 1037
Benjamin Franklin once wrote “… in this world, nothing is certain except death and taxes.” It was true over 200 years ago and it’s true today! …
5 Good Times to Retire (and 1 Bad Time)
Per the 4% guideline, you can spend about 4% of your portfolio a year. But there are five times when that number might change significantly. The post…
Healthcare After Early Retirement
Healthcare is a huge issue in the United States if you plan to retire early. Most of us get health insurance through our employer. What happens if yo…
Tax-Deferred Retirement Accounts: A Gift from the Government
Tax-deferred retirement accounts can reduce taxes, protect assets, plan your estate, and boost returns. Ignore them at your peril. The post Tax-Defer…
Understanding The Biggest Risk to New Retirees (Sequence of Return Risk)
Two retirees, both starting with $1 million. Both average 6% returns over their retirement. One runs out of money completely. The other still has hun…
Retirement and Decumulation
Answering reader questions about decumulation in retirement, how to start withdrawing from your investments, and when and if you should increase your…
Friday Flight: Forgotten 401k, Peaking Pessimism, & Loyalty is for Losers – Episode 1032
Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines…
Can You ‘Coast’ Into Retirement From Where You Are Now?
When people think about retirement planning, the traditional path is clear: Keep saving as much as possible for as long as possible, and one day you’…
Planning For Your Healthcare Costs, To and Through Retirement
How do healthcare costs change - and how do we plan for that? - during the different stages and phases of your retirement?
How Two Clark-Approved Annuities Can Reduce Retirement Stress
For decades, money expert Clark Howard has warned people to steer clear of annuities. He’s even called the word itself a “cuss word” in personal fina…
The Smart Way Parents Can Save for College and Retirement Together
Learn how to use a 529 plan to save for your child’s college without putting retirement at risk. Balance both goals with a smart savings strategy. Th…
Ask HTM: Is a 25% Savings Rate Overkill, Avoiding State Minimum Insurance Requirements, & Eliminati…
Let’s kick off the week with some fresh listener questions we have lined up for you! And don’t just stand on the sidelines- if you have a quest…
Why Mandatory Retirement Plans Can Help You Save a Ton More Money
Learn how mandatory 403(b) contributions can significantly increase your retirement savings potential while maximizing tax-deferred space in 2025. Th…
20-Year Treasury Bonds At 5% Looks Attractive For Retirees
I recently had a zero-coupon Treasury Bill redeem in the amount of $102,000. This money is part of the 35% of my taxable brokerage portfolio that’s i…
America’s Fastest Growing Renter Demographic: 55+ Retirees and Empty-Nesters
Millennials and now Gen Z have been the target audience for many rental communities over the last few years. Even for mom-and-pop landlords, making a…