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ACA Tax Credits or Roth Conversions in Early Retirement? For early retirees, the choice is not simply whether to convert. It is whether the future tax savings are worth the subsidy you give up today. Healthcare is a common concern […]
Is it just me or have train tickets got ridiculously expensive? Honestly, sometimes it’s cheaper to fly abroad than get a train to London! Anyway, I recently needed a Railcard and, being me, I wasn’t about to pay full price if I could help it. I had a little look around and found that TrainPal offers discounted Railcards, so I managed to save myself some money before I’d even booked a train ticket – instead […]
Rates are rising! 📈 🚀 Here’s my monthly survey of the best interest rates on cash as of October 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more interest while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn […]
One objective of tax planning is to limit income taxes paid during one’s lifetime. To my mind, it is exceedingly difficult to present an entire adult lifetime tax arc in a single projection or spreadsheet. This is for many reasons, including the fact that we don’t know the date of death. What I think has […]
This post was inspired by Rhys Martell the founder of Well Built Wealth. Rhys does a wonderful job of educating Canadians on all things retirement. I’ve learned a bunch from Rhys and several other advice-only planners. Rhys offered a video (shown below) offering six ways we can lower our taxes in retirement. While it’s a fantastic video, it’s also a good opportunity to ‘put it in writing’, and at times with a little more context. […]
Below are estimated United States retirement savings statistics by age for 2026, from the Federal Reserve’s 2025 survey (the newest data we have until roughly late 2029). You’ll find the average retirement savings by age, along with median, and top 1% of savings. For a fuller accounting of net worth as opposed to only savings for retirement, see our net worth by age research. Retirement savings benchmarks by age in 2026 The following chart summarizes […]
On this page are estimated United States retirement savings. Statistics are for households headed by adults aged 32-61 at the time of the survey (the Federal Reserve’s 2025 survey, released in 2026). It’s the newest United States data until roughly late 2029. You’ll see average retirement savings, median retirement savings, top 1% retirement savings, and a retirement savings percentile calculator to rank a savings amount versus the adult population. Perhaps more relevantly, later see our […]
Paying no federal income tax can feel like an obvious win, especially after decades of watching taxes come out of every paycheck. Once work ends, income often drops, deductions may cover much of what remains, and it can be satisfying to see little or nothing owed when your tax return is finished. The problem is that tax planning is not really about producing the lowest possible tax bill in any single year. It is about […]
Amazon and American Express are once again offering a discount of up to 50% on Amazon purchases when you redeem American Express Membership Rewards points for a portion of your payment. Note that this is a targeted offer and the percentage discount, maximum amount saved, and number of points you need to use can vary per customer. More details and link to offer can be found below. AmEx Pay with Points Promotion Details & Link When you enroll an American Express credit card with Membership Rewards, you can link your points to Amazon as a form of payment. With this The post Amazon: Save up to 50% with AmEx Membership Rewards Points appeared first on 20somethingfinance.com.
If you have children, then odds are you’ve thought of the future expense of college. My kids are 10 and under, and it seems like I have plenty of time, but in reality I need to come up with a LOT of money starting in just 8 short years! In 8 years, my oldest willKeep Reading A Way to Pay for College When You Haven’t Saved Up Enough was originally published on WhatMommyDoes.com
Your wedding day is one of the most important days of your life, but it can also be one of the most expensive. You want your day to be perfect, but with the average cost of a wedding in America totaling $25,200, that price tag is hard to swallow. That’s a lot of money to pay for a few hours of celebration. It’s tough to cut back on your wedding. After all, it’s a celebration of […]
In 2014, through some contract work I was doing in the travel industry, I found a last-minute cruise deal on the Mediterranean. In my pre-Mum life, I worked in the travel industry and I know how popular cruise travel has become. And for good reason – your holiday begins the minute you board. If you … Read more