Retirement Planning
How Required Minimum Distributions Work and When They Start
A reader emailed me last spring with a letter from her IRA custodian that said she owed a withdrawal of 18,868 dollars by...
You have $20,000 sitting in savings that you will not need for a couple of years, and the bank keeps nudging the rate down every few months.
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Retirement Planning
A reader emailed me last spring with a letter from her IRA custodian that said she owed a withdrawal of 18,868 dollars by...
Taxes Simplified
Every spring someone shows me a closet shelf with eleven years of tax folders, a shoebox of gas station receipts from 2014, and...
Investing for Beginners
In 2022 a broad US bond index fund lost about 13 percent, its worst calendar year in decades.
Retirement Planning
Take a worker whose full benefit at 67 would be 2,000 dollars a month. Claim at 62 and the check is 1,400 dollars.
Taxes Simplified
About 95 percent of married couples in the United States file a joint return, and most of them never run the numbers on the...
Investing for Beginners
Say you just received a 12,000 dollar inheritance, a bonus or the proceeds from selling a car, and you have already decided it...
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Three writers who each spent years on a different side of a money decision: a former family financial planner who got tired of budget templates that assume nobody has an irregular paycheck, a one-time collections rep who now explains what a credit report actually shows, and someone who has tracked her own index fund returns since she was twenty four and writes from that spreadsheet, not a textbook. Every article carries a byline, and the numbers shown are worked through, not rounded to make a point.