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Listen to the pod This is what really matters if you want to be free. ——— In this episode of the Money Gains Podcast we welcome Jayson Graystone to the show.  Jason shares his journey to achieving financial freedom at just 30 years old, spending a week with Richard Branson on Necker Island and revealing why most people are optimising for the wrong version of freedom.  ——— Get a FREE FRACTIONAL SHARE worth up £100 […]

Retirement planning often centers around income streams, investment balances, and healthcare coverage, but one of the most overlooked assets is the home itself. For many retirees, their house represents decades of equity growth, yet it may no longer serve their evolving needs. Knowing when to convert that equity into financial flexibility or a more suitable living arrangement can be a turning point in securing a more stable and fulfilling retirement. This decision is about aligning […]

Every year, the IRS updates various limits due to inflation. This covers everything from your tax rates and standard deductions to contribution limits for retirement accounts. Earlier this month, the IRS released the 2026 contribution limits for a variety of retirement accounts and despite their best efforts, it’s formatted like an encyclopedia. Here they are in a (hopefully) more easily readable format! 🤣 Table of Contents401(k), 403(b), 457 & TSP AccountsIndividual Retirement Arrangements (IRA)Health Savings Account (HSA)Other Limits and Ranges 401(k), 403(b), 457 & TSP Accounts The contribution limits for 401(k), 403(b), 457 & TSP has increased to $24,500 – a $1,000 increase over 2025. The catch-up contribution limit for those 50+ is an additional $8,000 – a $500 increase over 2025. The super catch-up limit for those 60-63 is an additional $3,250 on top of the $8,000 for a total super catch-up of $11,250. So the limits are now, based on age: Under 50 – $24,500 50 to 59 – $32,500 60 to 63 – $35,750 Individual Retirement Arrangements (IRA) For IRAs, your contribution limit is now $7,500 – a $500 increase over 2025. The catch up contribution limits for those over 50 years old has increased to $1,100 – a $100 increase over 2025. The Roth IRA income phaseouts have increased as well and remains based on the modified adjusted gross income: For single and head of household, the range is $153,000 to $168,000. For married filing jointly, the range is $242,000 to $252,000. For married filing separate, the range remained the same and is $0 to $10,000. Health Savings Account (HSA) These figures were not explicitly listed in the IRS page but Fidelity has a useful recap. If you are eligible for an HSA, your limits are now $4,400 for individuals (self-only) and $8,750 for family coverage. The catch up contribution limit for those 55+ is an additional $1,000. Other Limits and Ranges The Saver’s Credit (Retirement Savings Contributions Credit) increased its income limits: Singles & married filing separate tax filers income limit is $40,250 – up from $39,500 in 2025 Married filing jointly tax filers income limit is $80,500 – up from $79,000 in 2025 Heads of household tax filers income limit is $60,375 – up from $59,250 in 2025 SIMPLE retirement account limits increased to $17,000 – up from $16,500 from 2025. Catch up contributions for those 50+ has increased to $4,000 and the super catch up (60-63) is $5,250. The post 2026 Retirement Contribution Limits & Income Phaseouts Updated by IRS appeared first on Best Wallet Hacks.

Today’s reader case touches on an issue that’s near and dear to my heart, so without further ado, let’s dive in! Hi Firecracker & Wanderer! I’ve been an avid reader of your blog for years now, and first stumbled upon your book in 2020…I bought both the audible version and physical copy, and have probably re-listened/ re-read your book about 7 times to really solidify the concepts. At the time of reading Quit Like a Millionaire, I […]

Today’s reader case touches on an issue that’s near and dear to my heart, so without further ado, let’s dive in! Hi Firecracker & Wanderer! I’ve been an avid reader of your blog for years now, and first stumbled upon your book in 2020…I bought both the audible version and physical copy, and have probably re-listened/ re-read your book about 7 times to really solidify the concepts. At the time of reading Quit Like a Millionaire, I […]

Before the article, check out the latest on my podcast, Personal Finance for Long-Term Investors: On Apple Podcasts On Spotify On YouTube Now, here’s today’s article: Phil wrote in this week: Jesse – if we do think that the stock market is overvalued right now, doesn’t it make sense to sell some stocks and move that money to cash? Or is that “timing the market?” Can’t I just argue it’s smart “rebalancing?” It kind of feels like semantics!! I’m writing this as a 68-year old retiree (retired since 2017). Interested to hear your thoughts.  I’ve been thinking about this myself, Phil. Yes, valuations are undoubtedly high. But, as Aswath Damodaran might ask, does that mean stocks are overpriced? And most to the point: should long-term investors and retirees do anything about it? The “Boglehead” and “Malkiel” in me both know that market timing is a fool’s errand. As John Bogle told us, “Don’t do something; just stand there.” At the same time… Returns have been so good. The S&P 500 return since January 2023 (35 months) is 22.46% per year. These kinds returns do not and cannot continue forever.  Zooming out, since Phil retired in 2017, the S&P has returned 14.5% per year. Simply outstanding. Valuations are high, especially among the biggest stocks in the market.  If there was ever an excuse to time the market, surely this is what it would look like? Or at least, I’m sure that’s the argument Phil and many others are telling themselves. In fairness to the idea, let’s do this: I’ll share both smart and dumb reasons to shift money into cash right now. Let’s see where your thoughts end up. Why Move to Cash Right Now There are logical reasons to consider a move to cash right now. Risk Reduction and Rebalancing Discipline Selling some stocks will lock in your gains and protect you if the market does correct sharply. This is purely a risk reduction measure. If your 60/40 starting portfolio is now closer to 70/30, then I’m all in favor of selling stocks to get back to 60/40…or perhaps 60 / 30 + 10% in cash.  Asset-Liability Matching If your financial plan includes asset-liability matching or a “goals-based” investing framework, then recent stock market performance might have blessed you with “excess capital.” The asset-liability framework suggests using low-risk assets (cash, bonds) to cover your spending needs for the near term. Then you use high-risk assets (such as stocks) to cover your long-term spending needs. But then, you might have all your future liabilities covered, yet still have some money to be deployed. This is excess capital. It’s money you don’t need. Your financial plan will be successful with or without it. For that reason, you can do what you want with it. Find a great charity. Take a flyer on your nephew’s

I came across an article in The Business Times recently titled “Why investors should stay active for healthy finances in retirement.” Before we talk about investing, let’s talk about something more important: how to read financial news without getting sold to. What you’re actually reading Here’s what happened: An active fund management company published an […] The post Why Investors Should Stay Passive For Healthy Finances In Retirement appeared first on Turtle Investor.