retirement
11 guides about retirement
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Required Minimum Distributions (RMDs): What They Are and How to Minimize Them
Understand when RMDs kick in, how much you must withdraw, and proven strategies to reduce your tax bill from required minimum distributions.
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Solo 401k: The Best Retirement Account for Self-Employed People
The solo 401k lets self-employed individuals contribute up to $70,000/year — far more than a SEP-IRA or SIMPLE IRA. If you're self-employed with no full-time employees, this is probably your best retirement account option.
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Financial Planning in Your 60s: Transitioning to Retirement
Your 60s are when the plan becomes reality. Here's how to manage the transition from wealth accumulation to sustainable income — and avoid the most common mistakes near and in retirement.
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The 4% Rule: How Much Can You Safely Withdraw in Retirement?
The 4% rule is the most widely used guideline for sustainable retirement withdrawals. Here's what it means, whether it still works, and how to apply it to your situation.
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Investing in Your 40s: How to Catch Up and Still Retire Comfortably
If your retirement savings feel behind, your 40s are still a powerful decade to turn things around. Here's the strategy for maximizing the years you have left.
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When Should You Take Social Security? The Math Behind the Decision
Starting Social Security at 62 vs. 70 can mean a difference of hundreds of dollars per month — and potentially hundreds of thousands over your lifetime. Here's how to decide.
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Social Security Maximization: How to Get the Most From Your Benefits
When and how you claim Social Security can mean a difference of $100,000+ over your lifetime. Here's how to maximize what you receive.
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The Roth Conversion Ladder: How to Access Retirement Money Early (Tax-Free)
A Roth conversion ladder lets early retirees access 401k money penalty-free before 59½. Here's how it works, who it's for, and how to build one.
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How to Calculate Your Financial Independence Number
Your FI number is the amount you need invested to never need to work again. It's simpler to calculate than you think — and knowing it changes how you think about money.
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Early Retirement Planning: What to Do in Your 30s and 40s to Retire at 55
Retiring at 55 is achievable with disciplined planning. Here's a practical roadmap covering savings rates, account strategy, and the bridge-to-traditional-retirement problem.
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How Much Do You Need to Retire? A Realistic Answer for Every Budget
The '1 million dollar' retirement goal is too vague. Here's how to calculate your personal retirement number based on your actual spending and timeline.