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The offbeat personal finance blog for responsible people.

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How and When Are You Supposed to Enroll in Medicare?

By Sabado Domingo

Most people are enrolled in Medicare automatically when they reach age 65, but depending on how and when you become eligible, your process may be different. Automatic enrollment You'll be automatically enrolled in Part A and Part B when you ...

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January 18, 2019

The Pros and Cons of Paying for an Aging Life Insurance Policy

By Tex Freitag

A universal life insurance policy can be complicated; if you look at policy documents you might get lost in the rules and jargon. Unfortunately, some insurance carriers actively try to maintain this unfair advantage by keeping clients in the dark, ...

Continue reading The Pros and Cons of Paying for an Aging Life Insurance Policy

October 19, 2018

3 Steps to Help You Prepare When Retirement Is Just Around The Corner

By Ryan Eaglin

If looking ahead to retirement makes you a little nervous, you're not alone. Nearly half of Americans who haven't reached retirement predict that they won't be financially comfortable once they get there, according to a Gallup survey. For some, ...

Continue reading 3 Steps to Help You Prepare When Retirement Is Just Around The Corner

October 2, 2018

How to Invest in Stocks as a Retirement Plan

By Tex Freitag

It doesn't matter how hard you work or how talented you might be, your wealth building is tied by a singular constraint: your time and energy. When you stop performing, the money stops flowing. With retirement looming, it can be uncomfortable ...

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September 19, 2018

4 Ways To Reduce Risk In Your Retirement Plan

By Sabado Domingo

Many people are worried about their retirement from a money perspective. According to a survey by Transamerica, most workers think the financial challenges they'll face in retirement will be harder to overcome than those that prior generations ...

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September 12, 2018

5 Reasons to Carry Life Insurance in Retirement

By Sabado Domingo

When you are close to reaching retirement, you start thinking of ways to reduce your expenses. The lack of a steady monthly income means that you will have to make certain changes to your lifestyle. Even if you have planned your retirement in ...

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July 27, 2018

How to Save for Retirement When You Don’t Make a Lot of Money

By Ramona

Work for 30 years, retire, and enjoy your golden years, without doing too much to save for retirement because Social Security plans are enough; it may sound like science fiction now, but decades ago retirement planning was as simple as that for most ...

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June 12, 2018

Bitcoin IRA Fees and 4 Other Related FAQs Answered

By Tex Freitag

Bitcoin is a cryptocurrency which has been around for a few years now; and in 2017 it gained worldwide attention after its price skyrocketed from $2000 to $20,000 in a matter of just a few months. Of course, there is a lot of controversy still ...

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May 2, 2018

Does Today’s Economy Make Retirement Impossible?

By Tex Freitag

Life in retirement, which once conjured images of golf and sunsets at the beach, took on a drearier edge in recent years as more people realize they are unprepared financially to stop working. The Washington Post has called it "the new reality of ...

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March 13, 2018

5 Common Money Mistakes New Graduates Need to Avoid

By Jim Wang

Let me be the first to tell you that it's OK to make mistakes. Financial experts will tell you that the first few years after graduation are the most important. They're right. Compound interest means that the money you save today in your early ...

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June 14, 2017

Which US States Offer the Biggest Bang for Your Buck?

By Len Penzo

I've always been fascinated by maps. Throw me a map of anyplace and I can be mesmerized for quite a long time. Don't ask me why; it's just how I am. So I guess I shouldn't be too surprised that the other day I spent almost a half hour poring over ...

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August 30, 2016

Social Security and My $152,000 Challenge to Uncle Sam

By Len Penzo

I've been a proud, full-time, member of the American workforce since 1988. Since then, I've earned approximately $2.4 million in base salary -- excluding bonuses, stock option cash-outs, and other income streams. It also excludes the money I ...

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June 9, 2015

9 ‘Oops’ Moments That I Ultimately Paid For (One Way or Another)

By Len Penzo

Last week I needed to venture into my attic to check on some rat traps, so I grabbed my flashlight to help me navigate my way through the rafters. As luck would have it, the flashlight wasn't working; the last person who used it forgot to turn the ...

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February 25, 2013

Retirement Savings: Why My Kids Shouldn’t Plan on Receiving an Inheritance From Me

By Len Penzo

I know. A lot of you wish you could retire now, looking for reasons to retire early. However, before that can become reality, it's important to understand our magic number; that magic number, of course, is the amount of money we'll need to have ...

Continue reading Retirement Savings: Why My Kids Shouldn’t Plan on Receiving an Inheritance From Me

February 23, 2010

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