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
How Medicare IRMAA Surcharges Hit Retirees in 2026
Higher-income retirees face extra monthly charges on Medicare Parts B and D based on their tax returns from...
8 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...
15 min read
Social Security Was Never Meant to Be Your Retirement. The Math Behind the Promise We All Believed.
Social Security was designed to supplement 30% of your income. Today, millions treat it as their entire ret...
15 min read
The Retirement Math Nobody Showed You. What $500,000 Actually Buys in 2026.
Most retirement planning advice gives you a rosy number and a handshake. I am going to give you the actual ...
15 min read