'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(329%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(329%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(153%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3EPO%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Pay Off the Mortgage or Invest? A Retiree's Plain-Number Guide
With 30-year mortgage rates near 6.5% in mid-2026, paying off the house gives you a guaranteed return while...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(257%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(257%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(9%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ECA%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Can AI Pick Stocks? What the Evidence Actually Shows
Artificial intelligence is real and powerful, but the published evidence shows that AI-driven funds have ra...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(133%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(133%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(221%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3EWT%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
What the Dow, S&P 500, and Nasdaq Actually Are
The Dow, S&P 500, and Nasdaq are scoreboards for different slices of the stock market, not things you can b...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(5%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(5%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(45%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3EIF%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Index Funds vs. Picking Stocks: The Three-Fund Portfolio
The data is overwhelming: over 15 years, 89.5% of U.S. large-cap stock funds lost to a simple index, accord...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(94%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(94%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(218%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3EHM%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
How Much Should I Have in Stocks at 60, 70, 80?
Should a 70-year-old own 30% stocks or 50%? The old '100 minus age' rule may now be too conservative as lif...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(237%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(237%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(229%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ETM%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
The Market Dropped and I'm 67 - What Do I Do?
A falling market feels different when you are retired and drawing on your savings. Here is what sequence-of...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(141%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(141%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(277%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ESI%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Should I Move to Cash Before a Recession?
The fear of a downturn pushes many savers to pull money into cash. But the data from J.P. Morgan and decade...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(24%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(24%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(268%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ERV%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Robo-Advisor vs Human Advisor vs DIY - and How to Vet a Fiduciary
Three ways to manage your money, three very different price tags, and one question that matters more than a...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(120%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(120%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(220%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ECA%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Crypto at 65: An Honest Risk Piece
A plain-spoken look at what cryptocurrency really involves after 60 — the wild price swings, the scams that...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(194%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(194%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(198%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ETW%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
Tax-Smart Withdrawals: The Order to Tap Your Accounts
Which account you draw from first can change how much of your retirement income reaches your pocket. Here i...
2 min read'%2F%3E%3Cstop%20offset%3D'1'%20stop-color%3D'hsl(188%2C54%25%2C25%25)'%2F%3E%3C%2FlinearGradient%3E%3C%2Fdefs%3E%3Crect%20width%3D'320'%20height%3D'180'%20fill%3D'url(%23g)'%2F%3E%3Ccircle%20cx%3D'266'%20cy%3D'38'%20r%3D'74'%20fill%3D'hsl(188%2C65%25%2C58%25)'%20opacity%3D'0.18'%2F%3E%3Ccircle%20cx%3D'40'%20cy%3D'168'%20r%3D'52'%20fill%3D'hsl(336%2C65%25%2C60%25)'%20opacity%3D'0.14'%2F%3E%3Ctext%20x%3D'22'%20y%3D'150'%20font-family%3D'Georgia%2Cserif'%20font-size%3D'60'%20font-weight%3D'700'%20fill%3D'rgba(255%2C255%2C255%2C0.94)'%3ETH%3C%2Ftext%3E%3Ctext%20x%3D'24'%20y%3D'38'%20font-family%3D'Arial%2Csans-serif'%20font-size%3D'12.5'%20letter-spacing%3D'2'%20fill%3D'rgba(255%2C255%2C255%2C0.82)'%3EMONEY%3C%2Ftext%3E%3C%2Fsvg%3E)
The HSA as a Stealth Retirement Account
Most people treat a Health Savings Account like a debit card for doctor visits. Used differently, it is the...
2 min read
Medicare in 2027. The 5 Changes Coming That Will Hit Your Wallet and the 2 That Will Help.
Seven Medicare changes take effect in 2027. Five will cost you more money. Two will save you significant mo...
2 min read