I'm 68 and Don't Know If It's Better to Take a $130K Lump Sum or $945 Monthly Pension in RetirementRetirees often face the dilemma of choosing between a lump sum or monthly pension payments.
Claiming Social Security at 62? Ask Yourself This Question FirstClaiming Social Security at 62 reduces benefits permanently, making it crucial to assess retirement savings first.
Social Security: 3 Things You Must Do Before Claiming Benefits at 62Claiming Social Security at age 62 may lead to permanently reduced benefits, making informed decision-making essential.
The Average Monthly Social Security Benefit Might Surprise YouSocial Security will not provide adequate retirement income on its own.It's important to have additional retirement savings for financial stability.
My traditional IRA has $1.8 million and my Roth only has $300k - am I doing this right?Optimal strategy for retirement account withdrawals includes starting with the traditional IRA.
Want to Delay Your Social Security? Here's Why You Need to Plan for That in AdvanceDelaying Social Security past full retirement age can significantly boost monthly benefits.
I'm 68 and Don't Know If It's Better to Take a $130K Lump Sum or $945 Monthly Pension in RetirementRetirees often face the dilemma of choosing between a lump sum or monthly pension payments.
Claiming Social Security at 62? Ask Yourself This Question FirstClaiming Social Security at 62 reduces benefits permanently, making it crucial to assess retirement savings first.
Social Security: 3 Things You Must Do Before Claiming Benefits at 62Claiming Social Security at age 62 may lead to permanently reduced benefits, making informed decision-making essential.
The Average Monthly Social Security Benefit Might Surprise YouSocial Security will not provide adequate retirement income on its own.It's important to have additional retirement savings for financial stability.
My traditional IRA has $1.8 million and my Roth only has $300k - am I doing this right?Optimal strategy for retirement account withdrawals includes starting with the traditional IRA.
Want to Delay Your Social Security? Here's Why You Need to Plan for That in AdvanceDelaying Social Security past full retirement age can significantly boost monthly benefits.
Pause Saving for Your Future To Buy a House Now, According to Dave RamseyDave Ramsey advises potential homebuyers to temporarily pause retirement contributions to fund down payments, a controversial but pragmatic strategy.
Dave Ramsey thinks you're an idiot if you think you need a sports car to fit inDave Ramsey emphasizes the importance of financial prudence over following friends' advice to incur debt for status.
Dave Ramsey Weighs In on Whether After a Decade It's Time for This Couple to Combine Their FinancesMarried couples should combine finances to enhance wealth building and marital harmony.
I make $80,000 a year and Dave Ramsey told me this is why I'm staying brokeBuying a car can hinder wealth building due to depreciation.
I'm a small business owner and my mom is guilting me for not funding her life - should I feel guilty?It's not morally required to financially support family members making poor decisions.
Dave Ramsey says the easiest way to know if you can afford something is with this simple formulaDave Ramsey advises to avoid purchases unless you can pay for them in cash.Borrowing for unnecessary items can compromise financial security.
Pause Saving for Your Future To Buy a House Now, According to Dave RamseyDave Ramsey advises potential homebuyers to temporarily pause retirement contributions to fund down payments, a controversial but pragmatic strategy.
Dave Ramsey thinks you're an idiot if you think you need a sports car to fit inDave Ramsey emphasizes the importance of financial prudence over following friends' advice to incur debt for status.
Dave Ramsey Weighs In on Whether After a Decade It's Time for This Couple to Combine Their FinancesMarried couples should combine finances to enhance wealth building and marital harmony.
I make $80,000 a year and Dave Ramsey told me this is why I'm staying brokeBuying a car can hinder wealth building due to depreciation.
I'm a small business owner and my mom is guilting me for not funding her life - should I feel guilty?It's not morally required to financially support family members making poor decisions.
Dave Ramsey says the easiest way to know if you can afford something is with this simple formulaDave Ramsey advises to avoid purchases unless you can pay for them in cash.Borrowing for unnecessary items can compromise financial security.
Here Are the Changes to Social Security This YearSocial Security benefits increased by 2.5% in 2025, with changes affecting both earnings limits and qualification criteria for lower earners.
The 3 Best Investments to Supplement Your Social Security in RetirementRetiring only on Social Security may lead to financial struggles due to insufficient income.
Here Are the Changes to Social Security This YearSocial Security benefits increased by 2.5% in 2025, with changes affecting both earnings limits and qualification criteria for lower earners.
The 3 Best Investments to Supplement Your Social Security in RetirementRetiring only on Social Security may lead to financial struggles due to insufficient income.
Judge Judy says "you don't get what you deserve-you get what you negotiate" - 5 tips for getting the upper handNegotiation skills are crucial for achieving success, especially for those who need to advocate for themselves.
Shark Tank legend Barbara Corcoran says this is "the difference between successful people and others"Setbacks are a common part of life, but success depends on how quickly you recover from them.
Judge Judy says "you don't get what you deserve-you get what you negotiate" - 5 tips for getting the upper handNegotiation skills are crucial for achieving success, especially for those who need to advocate for themselves.
Shark Tank legend Barbara Corcoran says this is "the difference between successful people and others"Setbacks are a common part of life, but success depends on how quickly you recover from them.
I have terminal cancer and after bills am only left with a 401(k). What are my options now?America's healthcare system leads to widespread medical debt and bankruptcies.
I'm a 61-year-old retiree and thanks to strong investments, I'm now sitting on $7 million - here's my advice for anyone considering retirementConsider a test run before committing to retirement to gauge happiness and fulfillment.
Suze Orman Thinks You Need a 12-Month Emergency Fund. Is She Right?Having an emergency fund of 12 months of expenses is crucial for financial security, especially following unexpected life events.
After Becoming A Millionaire At 44, Spending Money Is Much Harder Than I ThoughtUnderstand the roots of your spending fears to enjoy your wealth better.
My parents think that because we paid off our debt that we have so much more money now and they won't stop asking us for moneyFamily members shouldn't pressure for financial support from each other.It's okay to say no to family demands for money.Professional financial advice can help families avoid financial strain and improve their situations.
Many people think they don't need a financial advisor but here are 3 ways mine has helped meProfessional financial advice can significantly ease tax planning and preparation, benefiting individuals from various economic backgrounds.
I have terminal cancer and after bills am only left with a 401(k). What are my options now?America's healthcare system leads to widespread medical debt and bankruptcies.
I'm a 61-year-old retiree and thanks to strong investments, I'm now sitting on $7 million - here's my advice for anyone considering retirementConsider a test run before committing to retirement to gauge happiness and fulfillment.
Suze Orman Thinks You Need a 12-Month Emergency Fund. Is She Right?Having an emergency fund of 12 months of expenses is crucial for financial security, especially following unexpected life events.
After Becoming A Millionaire At 44, Spending Money Is Much Harder Than I ThoughtUnderstand the roots of your spending fears to enjoy your wealth better.
My parents think that because we paid off our debt that we have so much more money now and they won't stop asking us for moneyFamily members shouldn't pressure for financial support from each other.It's okay to say no to family demands for money.Professional financial advice can help families avoid financial strain and improve their situations.
Many people think they don't need a financial advisor but here are 3 ways mine has helped meProfessional financial advice can significantly ease tax planning and preparation, benefiting individuals from various economic backgrounds.
I'm in my late 30s and have saved $2 million but I still rent - am I stuck forever?Renting can be a valid financial choice during unfavorable market conditions for buying a home.Investing saved money from not buying can lead to greater financial flexibility.The potential for future home purchases remains as market conditions may change.
Can I Buy a Home With No Down Payment?The average down payment for homes has dropped to 14.5%, making home buying more accessible despite rising prices.No-down-payment loans are available but come with limitations for eligible buyers.
How Much Equity Do I Have in My Home? Here's How to Calculate Home EquityHome equity is the amount of your home that you own after mortgage payments.You can leverage home equity through loans or lines of credit.Calculating home equity involves knowing your home's value and mortgage balance.
Real-estate investors who own more than 20 doors share the 2-pronged strategy they're using to build wealthStart with flipping homes to generate cash before investing in rentals.
I'm in my late 30s and have saved $2 million but I still rent - am I stuck forever?Renting can be a valid financial choice during unfavorable market conditions for buying a home.Investing saved money from not buying can lead to greater financial flexibility.The potential for future home purchases remains as market conditions may change.
Can I Buy a Home With No Down Payment?The average down payment for homes has dropped to 14.5%, making home buying more accessible despite rising prices.No-down-payment loans are available but come with limitations for eligible buyers.
How Much Equity Do I Have in My Home? Here's How to Calculate Home EquityHome equity is the amount of your home that you own after mortgage payments.You can leverage home equity through loans or lines of credit.Calculating home equity involves knowing your home's value and mortgage balance.
Real-estate investors who own more than 20 doors share the 2-pronged strategy they're using to build wealthStart with flipping homes to generate cash before investing in rentals.
Why Are Americans Still Missing the Golden Savings Opportunity?High-yield savings accounts offer competitive interest rates, making them valuable for saving.Having an emergency fund in a savings account is crucial to manage unexpected financial difficulties.
Don't Leave Free Money on the Table: Savings Yields Have ReboundedHigh-yield savings accounts currently offer attractive interest rates.Shopping around can yield savings rates up to 4%.These accounts are ideal for short-term savings like emergency funds.
Why Are Americans Still Missing the Golden Savings Opportunity?High-yield savings accounts offer competitive interest rates, making them valuable for saving.Having an emergency fund in a savings account is crucial to manage unexpected financial difficulties.
Don't Leave Free Money on the Table: Savings Yields Have ReboundedHigh-yield savings accounts currently offer attractive interest rates.Shopping around can yield savings rates up to 4%.These accounts are ideal for short-term savings like emergency funds.
I'm 35 and worried about my retirement - how can I get help reviewing my Roth IRA?Investing in individualized stocks is risky; use diversified portfolios for retirement savings.It's important to seek professional advice to assess retirement savings and investment strategies.
Clark Howard explains how if you save a dollar in a Roth IRA you save $1 but it's not the case if you do the same in a 401(k)Roth accounts provide better long-term savings by locking in current lower tax rates compared to traditional 401(k)s.
I'm 35 and worried about my retirement - how can I get help reviewing my Roth IRA?Investing in individualized stocks is risky; use diversified portfolios for retirement savings.It's important to seek professional advice to assess retirement savings and investment strategies.
Clark Howard explains how if you save a dollar in a Roth IRA you save $1 but it's not the case if you do the same in a 401(k)Roth accounts provide better long-term savings by locking in current lower tax rates compared to traditional 401(k)s.
Gold (GLD) Had a Ludicrous Run Already, And With Inflation Coming in Hot It's Going to Keep Going UpGold prices are nearing $3,000 per ounce, driven by various market forces.Investors should consult financial advisors to prepare for potential economic crises.
I'm 53 with $3.7 million in gains on a single stock - should I sell it all and pay $800K in taxes?Long-term capital gains are taxed favorably but still incur liabilities, urging investors to manage their stock concentrations wisely.
My wife says I can't be trusted with money anymore after investing my savings into crypto back on November of 2021, she recommended I get myself a financial advisorIt's crucial for couples to sync their financial strategies, especially after significant investment losses.
Actor-turned-investor Ashton Kutcher says investing "is like planting seeds; nurture them, and they will grow into something remarkable"Ashton Kutcher emphasizes the importance of long-term investing over short-term market timing.
I adore Peter Lynch as an investor - but too many people get these 2 things wrong about his advicePeter Lynch achieved unprecedented success with almost 30% annualized returns as a value investor.New investors should carefully interpret Lynch's strategies to avoid common pitfalls.
Wanting to invest $100K, but unsure between Tesla and Amazon-which is the better bet?Investing in Amazon over Tesla is advised due to its strong buy rating and higher return potential.
Gold (GLD) Had a Ludicrous Run Already, And With Inflation Coming in Hot It's Going to Keep Going UpGold prices are nearing $3,000 per ounce, driven by various market forces.Investors should consult financial advisors to prepare for potential economic crises.
I'm 53 with $3.7 million in gains on a single stock - should I sell it all and pay $800K in taxes?Long-term capital gains are taxed favorably but still incur liabilities, urging investors to manage their stock concentrations wisely.
My wife says I can't be trusted with money anymore after investing my savings into crypto back on November of 2021, she recommended I get myself a financial advisorIt's crucial for couples to sync their financial strategies, especially after significant investment losses.
Actor-turned-investor Ashton Kutcher says investing "is like planting seeds; nurture them, and they will grow into something remarkable"Ashton Kutcher emphasizes the importance of long-term investing over short-term market timing.
I adore Peter Lynch as an investor - but too many people get these 2 things wrong about his advicePeter Lynch achieved unprecedented success with almost 30% annualized returns as a value investor.New investors should carefully interpret Lynch's strategies to avoid common pitfalls.
Wanting to invest $100K, but unsure between Tesla and Amazon-which is the better bet?Investing in Amazon over Tesla is advised due to its strong buy rating and higher return potential.
I'm considering applying for a cash back credit card but want the most recent information and guidance. Where should I start?Cashback credit cards can offer significant savings; with the right card, consumers can earn hundreds or thousands annually.
VEU vs VWO: Which International Vanguard ETF Is a Better Fit for Your Portfolio?Consider international markets for value investments as U.S. stocks become increasingly expensive.
BofA Securities Says Stagflation May Return: Grab These 4 Dependable Dividend Stocks Set to OutperformStagflation resembling the 1970s may be imminent, based on current economic indicators.Investors should consider dividend stocks and consulting financial advisors in anticipation of stagflation.
VEU vs VWO: Which International Vanguard ETF Is a Better Fit for Your Portfolio?Consider international markets for value investments as U.S. stocks become increasingly expensive.
BofA Securities Says Stagflation May Return: Grab These 4 Dependable Dividend Stocks Set to OutperformStagflation resembling the 1970s may be imminent, based on current economic indicators.Investors should consider dividend stocks and consulting financial advisors in anticipation of stagflation.
Crypto Advocate Advises the Common Man to Sell a KidneyMichael Saylor advises extreme measures to buy Bitcoin during its price slump, emphasizing its long-term value despite current market conditions.
My brother died leaving me the sole beneficiary of his 401(k) - should I feel pressured to share the money with my siblings?Beneficiaries of a 401(k) are not obligated to share their inheritance.Open estate planning discussions can mitigate familial tensions over inheritance.
One of our kids is rich, the other isn't - how should we divide our estate so its fair?The Redditor is considering an unequal inheritance distribution for his two children, weighing fairness against avoiding future resentment.
My brother died leaving me the sole beneficiary of his 401(k) - should I feel pressured to share the money with my siblings?Beneficiaries of a 401(k) are not obligated to share their inheritance.Open estate planning discussions can mitigate familial tensions over inheritance.
One of our kids is rich, the other isn't - how should we divide our estate so its fair?The Redditor is considering an unequal inheritance distribution for his two children, weighing fairness against avoiding future resentment.
Suze Orman Is Usually Spot On, but I Think She's Off About $2M Not Being Enough to Retire With. Here's WhyAim for a retirement nest egg of at least $5 million, as per Suze Orman's advice.
Where you place your thermostat could impact energy bills, expert warnsEnergy bills are rising by 6.4% in April, prompting households to seek strategies to reduce expenses.
Hear Me Out, Piggy Banks Are Actually A Genius Money-Saving HackPiggy banks are experiencing a revival on TikTok as a fun and effective saving method for young adults.
TikTok Users Swear By Their "Screenshot Wishlists" To Save MoneyTaking screenshots of online products can help reduce impulse buying and improve spending habits.
Hear Me Out, Piggy Banks Are Actually A Genius Money-Saving HackPiggy banks are experiencing a revival on TikTok as a fun and effective saving method for young adults.
TikTok Users Swear By Their "Screenshot Wishlists" To Save MoneyTaking screenshots of online products can help reduce impulse buying and improve spending habits.
What if I'm missing a form? Attorneys answer tax questions from NPR's audienceMany can file taxes independently using software; accountants are essential for complex situations or business ownership.It's crucial to verify an accountant's qualifications to avoid potential issues.
What exactly is the point of a non cash back credit card?Non-cash-back credit cards provide attractive alternatives to cash-back options, especially for travelers who prefer earning points.
I'm dumb when it comes to credit cards, but I want to upgrade my current card to something with travel benefitsConsider upgrading to a dedicated travel credit card if your current cash back card's benefits decrease.
What exactly is the point of a non cash back credit card?Non-cash-back credit cards provide attractive alternatives to cash-back options, especially for travelers who prefer earning points.
I'm dumb when it comes to credit cards, but I want to upgrade my current card to something with travel benefitsConsider upgrading to a dedicated travel credit card if your current cash back card's benefits decrease.
Here's What You Should Do, and Not Do, If You Win the LotteryWinning the lottery could lead to unexpected unhappiness and social complications.
File Your Taxes Early With 33% off H&R BlockFile taxes early for peace of mind and savings.H&R Block offers a limited-time discount on their tax filing software.
Dave Ramsey Talks About Getting Out Of Debt, But You Can Go One Step Further And Make Your Money Work For YouDebt significantly hinders wealth building efforts.High Yield Savings Accounts can provide returns while maintaining liquidity.It's advisable for individuals to prioritize debt elimination before investing.
File Your Taxes Early With 33% off H&R BlockFile taxes early for peace of mind and savings.H&R Block offers a limited-time discount on their tax filing software.
Dave Ramsey Talks About Getting Out Of Debt, But You Can Go One Step Further And Make Your Money Work For YouDebt significantly hinders wealth building efforts.High Yield Savings Accounts can provide returns while maintaining liquidity.It's advisable for individuals to prioritize debt elimination before investing.
I Always Dreamed of Purchasing a Mercedes-Benz, But These 10 Red Flags Changed My MindLuxury doesn't always equate to happiness; ownership costs can diminish satisfaction.
How to take over a mortgage when a loved one has passed awayInheriting a house with an unpaid mortgage could allow you to assume the mortgage under specific conditions.
Billionaire Investor Warns America Could Have 'Economic Heart Attack' If This Is Not Fixed in 3 YearsRay Dalio warns that failing to reduce the government deficit to 3% of GDP could lead to an economic crisis.
'There are a lot of bad actors': Gen Z is finding out the hard way not to get their financial advice from TikTokConsumer caution is crucial when seeking financial advice online, as many influencers lack formal qualifications.
I just got offered a job I'd love to accept - is a $250k pay cut too much even if I hate my job?Choosing mental and physical health over a high salary can lead to a more fulfilling life.
Goldman Sachs Has 4 Strong Buy Dividend Energy Stocks With Up to 50% Upside PotentialGoldman Sachs recommends energy stocks with significant upside potential, making it essential for investors to review their portfolios.
I think a recession is coming and want to convert 90% of 401(k) into cash - is this a bad idea?Skepticism surrounds the S&P 500's potential for a strong return in 2025, with predictions leaning toward more modest gains.
Where to park your money for better returns after interest rate cutsBank of England's rate cut prompts swift reductions in savings rates by banks, urging savers to seek competitive offers.
Horoscopes Feb. 12, 2025: Josh Brolin, share your vision with those close to youSharing your vision with trusted individuals can enhance possibilities and outcomes in life.Implementing safety measures in joint ventures can prevent financial mishaps.Personal growth and impactful discussions are essential for attaining your goals.Creative energy and responsibility can attract influential connections.
I'm 30 with only $140k in net worth but here's my plan to triple my money from hereReddit serves as a unique platform for high-earning tech workers seeking financial advice, especially regarding restricted stock units.