Invest & Retire

“Investing can seem so complicated that you might shut down and do nothing about it — or feel you need to hire someone to guide you. However, it doesn’t need to be complex. You probably already have the opportunity to get started right where you work.”

Essentials

Latest Investing & Retirement

Required Minimum Distributions: How To Calculate, Rules
Required Minimum Distributions: How To Calculate, Rules Investing & Retirement December 11th, 2023
Once you turn 73, the IRS expects you to take annual Required Minimum Distributions (RMDs) from your retirement accounts. But…
Ask Clark Howard and Team Clark
Can You Withdraw Money From Retirement Accounts at Will? Investing & Retirement December 7th, 2023
Most financial literature related to 401(k) accounts or IRAs focuses on contributions. But what about when you retire? Yes, there…
Buying on Margin: The Investment Mistake You Need To Avoid
Buying on Margin: The Investment Mistake You Need To Avoid Investing & Retirement December 7th, 2023
American investors owed nearly $650 billion in margin debt entering November after the number peaked near $1 trillion at one…
3 Places You Should Never Invest Your Money
3 Places You Should Never Invest Your Money Banks & Banking December 5th, 2023
With great power comes great responsibility. Whether you've read about the Sword of Damocles or simply watched Spiderman, you've probably…
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Should I Participate in Costco’s Employee Stock Purchase Plan or Open a Roth IRA? Investing & Retirement November 22nd, 2023
Costco is money expert Clark Howard's favorite store. As such, we've written plenty about whether a Costco membership is worth…
Ask Clark Howard and Team Clark
I May Make Too Much Money To Be Eligible To Contribute To a Roth IRA in 2024. What Do I Do? Investing & Retirement November 20th, 2023
Outside of a workplace 401(k) plan that offers a company match, a Roth IRA is money expert Clark Howard's favorite…
Facet Wealth Review: Is Facet a Fiduciary and How Much Does It Cost?
Facet Wealth Review: Is Facet a Fiduciary and How Much Does It Cost? Investing & Retirement November 8th, 2023
By industry standards, Facet Wealth is a young company. But it has become a recognizable investment company in the United…
Vanguard Personal Advisor Review
Vanguard Personal Advisor Review Investing & Retirement November 8th, 2023
Vanguard Personal Advisor offers the personal touch and level of service of a traditional financial advisor at the price of…
IRS Announces New 401(k) and IRA Contribution Limits for 2024
IRS Announces New 401(k) and IRA Contribution Limits for 2024 Investing & Retirement November 3rd, 2023
The Internal Revenue Service (IRS) announced increases to the 401(k) and IRA contribution limits for 2024. 401(k) and Roth Contribution…
Coins stacked up and growing in value
What Is the Rule of 72 and Why Should You Care About It? Investing & Retirement October 31st, 2023
Everybody loves the idea of doubling their money. But did you know there's a simple formula that can help you…
Ask Clark Howard and Team Clark
What Brokerage Do You Recommend for First-Time Investors or Kids? Investing & Retirement October 31st, 2023
Learning about finance and investing from an early age can be life changing. Many of us have children, family members…
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We Have Enough Money To Retire. Can We Cancel These Insurance Policies and Use the Money for Fun? Investing & Retirement October 30th, 2023
If you don't have enough money saved for retirement, it's easy to know what to do. At least in broad…
Should I Pay Off Debt, Save Money or Invest?
Should I Pay Off Debt, Save Money or Invest? Investing & Retirement October 30th, 2023
You've got some cash and you're facing a financial decision: Should you invest, pay off debt or save that money…
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I Have $1 Million in Real Estate. Should I Sell and Invest It Instead? Homes & Real Estate October 25th, 2023
When it comes to investing for retirement, money expert Clark Howard often recommends stashing your money in a target date…
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How Many Financial Accounts and Companies Are Too Many? Banks & Banking October 23rd, 2023
"Mo Money Mo Problems" is a 1997 song by The Notorious B.I.G. The chorus includes this line: "It's like the…
The Social Security Cost-of-Living Adjustment for 2024
The Social Security Cost-of-Living Adjustment for 2024 Investing & Retirement October 12th, 2023
Are you ready to see an increase in your Social Security check? The Social Security Administration (SSA) just announced a…
Clark Howard’s Advice on Buying Gold
Clark Howard’s Advice on Buying Gold Investing & Retirement October 11th, 2023
Gold is one of the most popular investments in the world. In fact, according to the data-driven visual content site…
My Social Security: The Free Account Everyone Needs To Set Up Before Retirement
My Social Security: The Free Account Everyone Needs To Set Up Before Retirement Investing & Retirement October 11th, 2023
For many of us, Social Security will be a significant part of our income during retirement. In fact, the Social…
Fisher Investments Review: Is Fisher Really a Fiduciary?
Fisher Investments Review: Is Fisher Really a Fiduciary? Investing & Retirement October 4th, 2023
Outside of the biggest names such as BlackRock, Fidelity, Schwab and Vanguard, Fisher Investments is one of the most recognizable…
The Only Two Exceptions to Clark Howard’s Annuity Rule
The Only Two Exceptions to Clark Howard’s Annuity Rule Investing & Retirement September 30th, 2023
Money expert Clark Howard hates most annuities. He even calls "annuity" a "curse word" on his podcast. However, there are…
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Is Clark Concerned About the Underperformance of International Stocks in Funds? Investing & Retirement September 29th, 2023
Money expert Clark Howard often gives investing advice based on behavioral economics. Imagine that a doctor prescribes the perfect medicine…
What is a financial advisor and how much do financial advisors cost? Clark Howard answers those questions and more.
What Is a Financial Advisor and Do I Need One? Investing & Retirement September 28th, 2023
Considering that as little as 1% of the U.S. population uses a financial advisor, there’s understandably some mystery about what…
Betterment Review: How It Works, Pros & Cons
Betterment Review: How It Works, Pros & Cons Investing & Retirement September 19th, 2023
If you're reading a Betterment review, you probably already know something about robo-advisors. But how do they work, and what…
retirement clock
The Average Retirement Age in America Investing & Retirement September 18th, 2023
When you think about your retirement, do you envision still feeling spry and being in relatively good health? Truth be…
Retirement affordability
New Report: Top 15 Most Affordable Places To Retire Investing & Retirement September 12th, 2023
Finding somewhere to retire can be difficult when you’re looking for a city that has nice weather, adequate amenities and…
Wealthfront Review: How It Works, Pros & Cons
Wealthfront Review: How It Works, Pros & Cons Investing & Retirement September 12th, 2023
As I hope you'll understand after reading this Wealthfront review, if you want to outsource your investing but don't want…
An investor looks over his retirement accounts.
What’s the Average Retirement Account Balance in America? Investing & Retirement September 6th, 2023
It’s well known that saving for retirement is one of the most vital things you can do for your financial…
How To Find and Choose a Financial Advisor
How To Find and Choose a Financial Advisor Investing & Retirement September 6th, 2023
If you want to learn how to find a financial advisor you can trust, you've come to the right place.…
IRA Withdrawal Rules: Early Withdrawal Penalty & Exceptions
IRA Withdrawal Rules: Early Withdrawal Penalty & Exceptions Investing & Retirement September 6th, 2023
If you're funding your retirement through an Individual Retirement Account (IRA), you'll want to know the IRA withdrawal rules to…
Social Security sign
Report: 5 Things Most Americans Don’t Understand About Social Security Investing & Retirement September 5th, 2023
About 75% of U.S. adults over age 50 are concerned about Social Security running out of money in their lifetimes.…