More posts by Humble Dollar
TODAY’S STOCK MARKETreminds me of Charles Dickens’s famous line: “It was the best of times, it was the worst of…
IF YOU’RE MARRIED,it’s almost certain that one of you will outlive the other—perhaps by many years. What are the financial…
I HAVE DEVOTEDmy entire adult life to learning about money. That might sound like cruel-and-unusual punishment, but I’ve mostly enjoyed…
FINANCIAL EXPERTSoften advise retirees to delay claiming Social Security. Their actuarial tables and statistics make acompellingcase. Still, as soon as…
GROWING UP, I WASheavily influenced by the ideals of the Protestantwork ethic. Working hard and finding career success provided great…
ON THE SURFACE,Social Security seems straightforward: During our working years, we pay into the system. Then, when we’re older, the…
VANGUARD GROUPreleased its latestHow America Savesreport last month. The survey details the behavior of participants in Vanguard-managed 401(k) and similar…
OVER A PRODUCTIVE30-year career that ended in 1950, Willie Sutton robbed as many as 100 banks for gains worth $40…
MANY PEOPLE TELL MEthey need, say, $1 million or $2 million to retire, effectively equating retirement with a dollar amount.…
RETIREMENT CAN BEthe best time of our life—but only if we manage it right. I recently passed a milestone: the…
ONE PERCENTis the average annual costchargedby actively managed stock mutual funds. One percent is also thetypical feecharged by financial advisors…
ON THE JOURNEYto retirement, should you focus on setting a retirement spending budget or on making sure you have adequate…
MANY DREAM of retiring to the beach. My wife and I just did it. We recently sold our primary home outside…
I’VE LATELY BEENhaving a hard time sleeping—and I have a pretty good idea why. It has to do with two…
RETIREMENT MAY MARKthe end of fulltime work—but that doesn’t mean we should stop working on our finances. Even after we…
A LOT OF INVESTMENTmath focuses on how moneygrowsover time. But as an attorney who’s worked with many clients hoping to…
THE PRODUCERSof retirement commercials would like us to believe that all retirees are the same. They aren’t. To behappyin retirement,…
INFLATION HAS BEENthe big economic story of 2022. Steep increases in consumer prices have hurt families in many ways—some of…
I SPEND SIGNIFICANTtime reading the viewpoints of people who are planning for retirement or who are already retired. My frequent…
BOSTON COLLEGE’SCenter for Retirement Research just published a study that explores what Americansthinkare the biggest risks to their retirement—as opposed…
THE FINANCIAL WORLDgenerates a lot of noise. As a financial planner, I see that every day. Being in my 20s,…
IF THERE’S ONE NUMBERthat drives our financial lives, it’s our fixed living costs. We’re talking here about regularly recurring expenses…
ARE YOU IN YOUR 60sand worried about rising consumer prices? It’s worth understanding how inflation affects Social Security benefits—especially its…
A FEW WEEKS BACK, I discussed the notion of “the four horsemen of the investor apocalypse.” A concept proposed by Morningstar Managing Director Don Phillips,…
WE LIKE TO ESCAPEthe Northeast’s cold each winter, so we just spent 10 days in Sarasota, Florida. Like many others…
DO YOU SEE THINGSclearly when it comes to money? Here’s a test to find out. Which of the following scenarios…
HOW WOULD YOU DEFINEfinancial freedom? That’s the intriguing question I’ve been asked twice in recent weeks by journalists curious about…
WHEN WE RETIRE,we win back control over our daily life. Gone is the boss, the expectation that we’ll be at…
“YOUR CHECKING ACCOUNTbalance is low.” It’s an alert none of us wants to receive, especially if we’ve just been paid.…
IT WAS JULY 2003.My wife and I were in our early 50s. Wehad jobs we liked and we lived comfortably.…
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