Money advice for the next generation
A pension (defined benefit plan) promises you a fixed monthly payment for life, calculated by a formula, with your employer bearing the investment risk. A 401(k) (defined contribution plan) gives…
If you retire before 65, you have three main ways to cover the health insurance gap until Medicare starts: COBRA (continuing your…
Splitting a 401(k) in divorce requires a Qualified Domestic Relations Order (QDRO), a separate court order beyond your divorce decree, because federal…
A spousal Social Security benefit can pay up to 50% of your spouse’s full retirement age benefit while they’re alive. A survivor…
The general rule of thumb is to withdraw from taxable brokerage accounts first, then tax-deferred accounts like a traditional 401(k) or IRA,…
A Solo 401(k) usually lets you contribute more than a SEP IRA at the same income level, because it counts you as…
Coast FIRE, Barista FIRE, Lean FIRE, and Fat FIRE are all variations on the same idea, reaching financial independence, but they differ…
A 401(k) loan lets you borrow up to 50% of your vested balance, capped at $50,000, and pay yourself back with interest…
Yes, Social Security can be taxable, up to 85% of your benefit, depending on your total income in retirement. If Social Security…
There’s no single best age to claim Social Security, but the math is clear on the tradeoffs: claim at 62 and your…
A 401(k) rollover moves money from an old employer’s retirement plan into an IRA or your new employer’s 401(k), and if you…
The IRS won’t announce official 2027 401(k) and IRA limits until around November 1, 2026, but 2027 HSA limits are already official:…
Updated July 2026. The 2027 Social Security cost-of-living adjustment (COLA) will not be official until mid-October 2026, but estimates have climbed sharply…
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