Retirement

Self-Directed IRAs: Save for Retirement with Alternatives Investments Learn how self-direct IRAs work for holding alternative assets and investments in a tax-advantaged retirement account. Find out about eligible investments. IRA Contribution Limits & Income Phase-Out Limits for 2020 and 2021 Photo of Simon Zhen Simon Zhen IRA Contribution Limits & Income Phase-Out Limits for 2020 and 2021 The 2020 IRA contribution limit (for traditional and Roth IRAs) is $6,000 if...

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Roth IRA Conversion Ladder: Get More Tax-Free Income in Retirement Learn how to create a Roth IRA conversion ladder to consolidate funds in other retirement accounts for the purpose of an early retirement. Inherited IRAs: Rules on How to Manage and Withdrawal Funds Find out how to use inherited IRAs for manage and withdraw retirement funds from a deceased family member or friend with beneficiaries. Are You Too Old to Open and Contribute to a Roth IRA? Photo of Kevin Mercadante Kevin Mercadante Are You Too Old to Open and Contribute to a Roth IRA? Do you want to know a secret? The Roth IRA is the only tax-sheltered... When Does It Make Sense to Take Out a 401(k) Loan? Photo of Valencia Patrice Higuera Valencia Patrice Higuera When Does It Make Sense to Take Out a 401(k) Loan? You've been setting money aside for retirement with a 401(k) and there's a good... SIMPLE IRA: The Best Retirement Option for the Self-Employed and Small Businesses? Learn how SIMPLE IRAs work to see if they're the best retirement savings option for small business, self-employed individuals, and their employees. What Retirees Need to Consider Before Going Back to Work Thinking about returning to the workforce? There are serious implications for your finances. Read this retiree back to work guide to learn about your options. SEP IRA: The Best Retirement Account for Self-Employed? Photo of Lance Cothern Lance Cothern SEP IRA: The Best Retirement Account for Self-Employed? If you’re one of the many self-employed individuals in America, you have... How Much Do You Need to Save for Retirement? Photo of Simon Zhen Simon Zhen How Much Do You Need to Save for Retirement? Retirement is a lingering financial goal that many people have on their... How to Calculate Your Tax Bracket During Retirement Find out how to calculate your income tax bracket during retirement and determine the tax rate on any income, capital gains, and retirement fund distributions. Should You Use Retirement Funds to Pay for College Tuition? Learn about the pros and cons of using your retirement funds to help pay for a child's college tuition, board, and other education expenses. What to Consider When Planning for a Mini-Retirement Photo of Lance Cothern Lance Cothern What to Consider When Planning for a Mini-Retirement In Tim Ferriss’ book, The 4-Hour Workweek, he shares the idea that we shouldn’t... How to Save for Retirement When You’re Unemployed Photo of Lance Cothern Lance Cothern How to Save for Retirement When You’re Unemployed When you’re unemployed, one of the last things on your mind is how you’re going... The FIRE Movement: What Are You Sacrificing to Retire Early? Learn what it takes to join the FIRE movement, which encourages the pursuit of financial independence to retire early - with certain sacrifices. Death of a Spouse in Retirement: How You’re Affected Financially and What to Do Find out how your retirement could be affected financially if your spouse died, including the impact on your Social Security benefits, taxes, and income. How to Get Health Insurance in Retirement and Minimize Medical Expenses Photo of Lance Cothern Lance Cothern How to Get Health Insurance in Retirement and Minimize Medical Expenses After figuring out your finances and Social Security benefits, one of the biggest... 7 Ways to Increase the Size of Your Social Security Benefits Payout Photo of Lance Cothern Lance Cothern 7 Ways to Increase the Size of Your Social Security Benefits Payout For many, Social Security is their only source of income in retirement. That's... Should You Use a Solo 401(k) to Save for Retirement? Learn how solo 401(k)s work to help the self-employed and business owners save for retirement. Compare this plan to SEP IRAs, SIMPLE IRAs, and regular IRAs. Keogh Plan: The Best Retirement Option for the Self-Employed? Learn about Keogh plans to build retirement savings for the self-employed and business owners and compare them to other tax-deferred alternatives. Outliving Your Retirement Funds: How to Prepare for It Photo of Aja McClanahan Aja McClanahan Outliving Your Retirement Funds: How to Prepare for It We are living longer -- and that's worrisome to retirees who may not have accounted... What to Do If Social Security Benefits Aren’t Enough for Retirement Photo of Lance Cothern Lance Cothern What to Do If Social Security Benefits Aren’t Enough for Retirement When you retire, you probably thought your Social Security benefits and any other... 10 Ways to Reduce Your Expenses During Retirement Learn how you can reduce the cost of retirement by making changes to your lifestyle that will minimize retirement expenses and stretch your retirement funds. 10 Things to Consider Before Retiring in a Different Country Learn about the many factors that you have to consider before spending retirement in a different country outside the U.S., especially when it comes to finances. 7 Factors to Consider Before Retiring in a Different State Photo of Lance Cothern Lance Cothern 7 Factors to Consider Before Retiring in a Different State After decades of hard work and diligent saving, you’re finally about to retire.... How Teachers Can Save for Retirement Photo of Zina Kumok Zina Kumok How Teachers Can Save for Retirement Many teachers - especially those in major metropolitan areas - are working second and... What Age is Best for You to Take Social Security Benefits? Learn what you should consider when you're thinking about taking Social Security benefits upon retirement, including factors such as age, lifestyle, and income. How to Withdraw Money From 401(k)s and IRAs During Retirement Learn the order in which you should withdraw from your retirement accounts (including 401(k)s and IRAs) so that you pay the least taxes and avoid penalties. How Couples Can Use a Spousal IRA to Save More for Retirement Photo of Lance Cothern Lance Cothern How Couples Can Use a Spousal IRA to Save More for Retirement You’ve probably heard of a traditional IRA and a Roth IRA. What you may not have...