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A 28 year old reader wants to retire by 50. Can he do so? Let us do the calculation using the freefincal robo advisory tool with the following assumptions (remaining assumptions stay the same): Monthly expenses Rs. 50,000; Post-tax return expected from equity investments % 10.00 Post-tax return expected from current taxable fixed income %… The post Retirement plan illustration: Can I retire by 50? appeared first on freefincal.
Image Source: Unsplash.com A quiet shift has started to reshape the future of inheritance, and it looks nothing like the traditional family tree. Millennials, now deep into their prime earning years, no longer treat beneficiary designations as automatic nods to children or siblings. They approach them as deliberate choices that reflect real relationships, shared values, and modern family structures. That shift carries real legal and financial consequences, because beneficiary designations on life insurance policies, retirement […]
The stock market outlook remains in a downtrend.
Image source: Unsplash.com Raised beds don’t collapse on their own. Something causes the wood to bow, the soil to sour, and the tomatoes to stall out midseason. And in gardens across the South, that culprit often costs less than a fast-food lunch. Walk through any big-box hardware store in spring and stacks of black landscape fabric promise easy weed control and low-maintenance beds. The packaging sells a dream: fewer weeds, better drainage, long-lasting performance. For […]
Image source: Pexels.com You value your independence, and your car keys are the ultimate symbol of that freedom. However, rumors of a new federal law targeting senior drivers have many people between 35 and 65 feeling anxious. Here is the truth: there is no universal federal senior driving law in 2026. Instead, individual states are quietly moving the goalposts with new renewal rules and vision requirements. Honestly, the system is becoming more restrictive on a […]
Image source: Unsplash.com Across the country, fire marshals continue to flag one setup that shows up again and again in post-fire investigations: small greenhouses packed with portable electric heaters, daisy-chained extension cords, and high-wattage grow lights all running at once. Gardeners chase warmth and light for their plants, but many overlook the simple math of electricity and the unforgiving nature of heat in tight, plastic-lined spaces. The result can escalate quickly from cozy to catastrophic. […]
Image Source: Pexels.com Plenty of retirees enter their golden years with what looks like a solid nest egg. They have a paid-off house, a monthly Social Security check, maybe a pension, and savings from decades of work. On paper, the numbers look comforting. Yet many discover, sometimes within just a few years, that their money drains faster than expected. That shock doesn’t come from one dramatic mistake. It grows from a mix of economic realities, […]
Image source: shutterstock.com You celebrated the 2.8 percent cost-of-living increase this January, thinking it would finally help you keep up with the grocery bill. However, for many retirees, that extra money is currently triggering a hidden tax trap that could leave you with less cash than last year. It is a frustrating cycle where the government gives with one hand and takes with the other. Honestly, the system relies on outdated income thresholds that haven’t […]
Image Source: Shutterstock Many New Jersey seniors are eagerly watching for their first Stay NJ benefit, a new property tax relief payment designed to cut bills for older homeowners. With the program launching its first-ever payments in 2026, some seniors are confused about when the money will arrive and whether they qualify. The Stay NJ benefit is significant (covering 50% of property taxes up to a capped amount), and for many households, it represents meaningful […]
Image Source: Shutterstock Many seniors rely on senior utility discounts to keep monthly bills manageable, but what many don’t realize is that several of these programs don’t renew automatically. Cities, counties, and utility companies often require seniors to re‑enroll every one to three years, even if nothing in their household has changed. Missing a renewal letter or email can cause discounts to disappear without warning, leading to sudden bill spikes that strain fixed incomes. With […]
Image Source: Shutterstock Many seniors receive bank letters that look routine, but some of these notices are actually early warnings tied to federal banking rules and fraud‑prevention requirements. When these letters go unanswered, banks may restrict access to accounts or place a full bank account freeze while they review the issue. A freeze can stop debit card use, block bill payments, and prevent withdrawals until the bank completes its investigation. Banks are tightening fraud controls, […]
This Revolut vs Monzo guide is designed for beginners who want a clear, simple comparison of the two most popular digital banks in the UK…. The post Revolut vs Monzo: Which Is Right for You appeared first on Money Nuggets.