how to get started investing

Not Investing Yet? Here’s How to Get Started

Everyone knows that saving for retirement is important. Unfortunately, far too many of us aren’t saving nearly as much as we should. But why? A

alms box at st. peters

A Retirement Tax Trick You May Not Know About

Whether it’s a gift to your local church or a nonprofit environmental group, setting up a charitable remainder trust can help lower your tax bill

stock market bull on wall street

And the Stock Market Outlook Is… Who Cares?!

Bulls and bears, booms and busts: They make great headlines, but a solid financial strategy is actually a boring one. Photo: Sam Valadi As I write this article

high earners use backdoor sign

The Backdoor Roth IRA

Photo: Anders Ljungberg/TSD illustration Earning too much money to contribute to a Roth IRA — and its unique tax benefits — is what most people

Uncle Sam

Uncle Sam Wants YOU… to Retire?

Image: Library of Congress When I meet with investors, most believe health care will be their single largest expense during retirement. They’re surprised when I

retired couple

A Romantic Reality

Donald Liebenson wrote an interesting article at Business Insider entitled “Most people aging out of the workforce consider retirement ‘a romantic fantasy of the past.’”

older man on laptop at coffeeshop

Why Self-Employment and Early Retirement Go Hand in Hand

Being your own boss comes with certain risks, but also plenty of freedoms — including the ability to sock away more tax-deferred money for retirement.


How Betterment Won My Retirement Account

Earlier this year, I began writing a series chronicling my decision to roll over my old 401(k) into a new IRA with an automated investment advisor


Three Questions

Ask yourself these three questions, right now. If you died right now, in your final moments, what would upset you that you hadn’t taken care

woman typing on laptop

When to Use an SEP IRA

For freelancers, small business owners, and other self-employed workers, an SEP IRA is often the best way to save for retirement. Just a few decades

Wealthfront vs Betterment

Betterment vs. Wealthfront

As I explained in previous posts, I’m on a quest to roll over my old 401(k) into the best retirement account I can find. My

Personal Capital site on various devices

Personal Capital Review

As I explained in a few previous posts, I am on a quest to roll over my old 401(k) into a new account with better

Granada rooftops

Eight Best Places to Retire Abroad (and Enjoy the Good Life for Less)

With its warm, lakefront location, extremely low cost of living, and lively expat community, Granada, Nicaragua, has become a popular retirement haven for Americans willing to think

investing charts

Roth IRA vs 401k? You May Not Have to Choose

One of the most common retirement questions I get asked is: Roth IRA or 401(k)? Although both are good options worth considering, the answer isn’t

man searching for something

Where Do Investment Returns Come From?

The whole point of investing is to give yourself the possibility of earning better returns than you can get from a savings account. If you


Are 401(k)s Unrealistic? Only If You Are

In the past few days, three different readers have sent me a link to this great article from Fidelity entitled Five Habits of 401(k) Millionaires.


Why Taking a Lump-Sum Payout Makes More Sense Than You Think

When I was in sixth grade, a classmate’s grandma won a million dollars in the lottery. This made the front page of our small town’s

filing out tax form

Can the Saver’s Credit Save You Money on Your Taxes?

Low- and moderate-income earners can get a double tax break on some retirement contributions. Photo: AgriLife Today For many people, two of the most frightening words