Money — In Your 70s

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

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

Inflation-Proofing Your Retirement: The Six Real Hedges That Actually Work

The 2022-2024 inflation surge cut the real value of fixed retirement income by roughly 17 percent in three ...

25 min read

Required Minimum Distributions: The Rules, the Math, and the Five Strategies That Save the Most in Taxes

If you have a traditional IRA or 401(k), the year you turn 73 is one of the most important tax years of you...

25 min read