Bonds, Treasuries, TIPS, I-Bonds, and CDs: The Income Menu Now
With safe yields back near 4.5%, the boring corner of your portfolio finally pays. Here is a plain-English ...
6 min read
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...
8 min read
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...
8 min read
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...
8 min read
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...
8 min read
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...
8 min read
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...
6 min read
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...
7 min read
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...
7 min read
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...
7 min read
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...
6 min read
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...
6 min read