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Money Over 55: Most Popular Articles

These articles are the most popular over the last month.
5 Ways to Become a Millionaire
To become a millionaire the natural way requires savvy moves on your part. Here are five definitive ways to start your way to seven digits.
7 Places to Look For Unclaimed Money
You may have unclaimed money in old bank accounts, pension plans, forgotten 401(k)s, and at the IRS. Here are 7 ways to find it.
When Can You Tap Your 401(k) Money? Age is Key
The rules on 401(k) withdrawals change depending on how old you are. Here are how the 401(k) age related rules work.
10 Ways to Save 10 Dollars a Day
Don't spend money without thinking about alternatives. The easiest way to save $10 per day is to reconsider these 10 areas for lower cost or free choices.
This is How the Social Security Spousal Benefit...
The Social Security spousal benefit applies to current, widowed, and ex-spouses. Here is how it works.
Where Is the Closest Social Security Office?
Social security office locations can be found by inputting your zip code into the social security office location web page at the link below.
10 Social Security Facts About Benefits For An...
Here are ten facts about Social Security benefits for an ex spouse. Some of them may surprise you.
10 Best Retirement Investments
Looking for the best retirement investments - ones that can produce the cash flow you need? Here are the top 10 retirement investments to consider.
Everything You Need to Know About Social...
You are eligible for a social security survivor benefit as long as you have been married for at least 9 months. Here's how it works.
Before You Claim, Try One of These Social...
These online Social Security calculators quantify what claiming choices can give you more money and they show you how much more.
Are Social Security Retirement Benefits Taxed?
The amount of taxes you pay on Social Security benefits depends on something called your combined income. Here's how it works.
At What Age Do Required Minimum Distributions...
Here's everything you need to know about required minimum distributions.
7 Things You Need to Know about Retirement Taxes
Will you pay taxes in retirement? Probably so. Here is a guide to what types of retirement income are taxed.
Want to Keep Working After Retirement? Don't...
Working and collecting Social Security benefits may trigger the earnings limit - which means you could owe some benefits back. Here's how it works.
6 Big Tax Mistakes You Should Avoid With Your...
Retirement may be more expensive than you think. One of the biggest items upcoming retirees underestimate is the amount of income taxes they will pay each year in retirement. If you're planning for retirement, below are six tax mistakes that you'll want to avoid.
5 Key Things To Know About Social Security...
Knowing how age affects your benefits is one of five key things you ought to know about Social Security. Here's a quick introduction to how it works.
What Is Full Retirement Age For My Social...
Knowing your Full Retirement Age for Social Security benefits is important for two reasons. Get it wrong, and you may get less in benefits.
When Are Social Security Payments Deposited?
Need to know when your Social Security check will be deposited? Find the Social Security check schedule and answers to additional questions.
2015 & 2016 IRA Income and Contribution...
2015 & 2016 IRA rules - all the income and contribution limits you need to see what type of IRA you can fund and if you can get the deduction.
Social Security Restricted Application Rules...
New laws have changed the Social Security restricted application rules. Here's how they work.
Why Taking Social Security at 62 May Harm You
Should you take social security at age 62... or not? Here are guidelines you can use to determine if it makes sense for you.
4 Ways Early Retirement Affects Your Social...
Here are four things you must know about early retirement and how it affects your Social Security benefits.
Who is Eligible for a Social Security Death...
Here are the two types of Social Security death benefits that are paid out.
3 Tools to Help You Estimate Required Minimum...
These 3 RMD calculators cover projecting future distributions, current year distributions, and required distributions if you inherited an IRA account.
How to Take Money Out of Your 401k
Taking money out of your 401k plan the wrong way can be costly. Here's how you can take money out the right way - depending on your age and situation.
Try These Retirement Income Calculators from...
Get a head start on retirement with these online retirement calculators.
Early Retirement Pitfalls - and How to Avoid Them
Learn how to avoid the biggest early retirement mistakes people make and you'll be able to pull off a successful early exit from the workforce.
Want to Retire at 55? Consider These 3 Things
Here are 3 things to consider before you retire at 55.
When Can I Start Collecting Social Security?
Your Social Security retirement age depends on your year and month of birth. Here's how it works.
Will I Pay Tax On My Home Sale?
Will I pay tax when I sell my home? What kind of taxes do you pay on home sales?
What's the Right Time to Apply for Medicare?
Almost 65? Over 65? Covered by a group health plan still? Not yet enrolled in social security? Here are the guidelines as to when and how you should apply for medicare.
When My Spouse Dies Do I Get Social Security?
Social Security rules for widows and widowers are complicated. The amount you'll get depends on whether your spouse had or had not started their benefits, how old they were, and how old you are.
How Much in Taxes Should I Withhold from my...
Before you start a pension you'll want to figure out if you should have taxes withheld, and if so, how much to withhold. Here's how to look at it.
Everything You Need to Know About Contributing...
2015 Roth IRA rules, complete with income limitations, contribution limits, historical limits, and much more.
What to Know Before Cashing Out Your 401k
Is cashing out your 401k plan a good idea? Is it even possible? Don't make a decision to cash out your 401k plan without knowing what you might be giving up.
How Much are Medicare Part B Premiums in 2016?
2016 Medicare Part B premiums vary based on income - many don't know that the more you make, the more you pay. Here's how that works.
How to Choose the Right Pension Option
Should you take your pension as a lump sum or annuity? Here's how to do the analysis.
5 Dividend Paying Stock Research Websites
A cash dividend can be a welcomed income boost. Use these 5 websites to research which companies you may want as part of your investment portfolio.
6 Ways To Buy Things For Less
Like many things in life, paying less is a skill that can be learned. Here are 6 ways to start honing this skill.
See How Historical Stock Market Returns Would...
Historical S&P 500 stock market returns from 1973 - 2014 help you understand the type of volatility to expect, and how it may impact you.
Which Types of Retirement Income Are Tax Free?
Here is a list of common sources of retirement income broken down into taxable sources, partially taxable, and tax free.
8 Ways to Avoid the IRA Early Withdrawal Penalty
You may be able to avoid the IRA early withdrawal penalty tax - if you qualify for one of these 8 exceptions.
Retire at 62? Yes, If You've Considered These 3...
Aiming to retire at 62? Here are three things to consider as you make plans.
401(k) Withdrawals at Age 55
In some circumstances you can take withdrawals from a 401k plan as early as age 55. Here's when you can - and when you can't.
Stay on Track with a Simple Retirement Budget
Believe it or not, a retirement budget can lead to more fun in retirement. In addition, it can help you avoid one of the biggest mistakes people make in retirement: overspending.
5 Dividend Income Index Funds Worth Investing In
Looking for dividend income? Here are 5 popular dividend paying funds.
What is Considered an Early Retirement Age?
Many Americans think of age 55 or earlier as an early retirement age. My definition of early retirement is any age before age 65. Here's why.
Ask These 5 Questions Before You Buy an Annuity
Five questions to ask before you buy an annuity.
Confused About Spousal Benefits? Here are 3...
Confusion abounds over Social Security spousal benefits. Here are three rules that help clear up the confusion.
5 Investments That Keep Your Nest Egg Safe
Here are 5 investing options that keep your money safe - but they may not pay much in terms of returns.
How to Calculate Social Security Benefits - A...
The formula used to calculate how much Social Security you will get is complex. Here is a step-by-step guide to how it works, with examples.
Why Annuity Payout is Not a Rate of Return
Do not use immediate annuity rates when comparing annuities to other investment options. Here's why.
Social Security Online Has Benefit Calculators...
The official Social Security website provides three free calculators you can use to estimate your future Social Security retirement benefits.
12 Inherited 401k Distribution and Withdrawal...
You inherited money that is in a 401k plan. Here are the rules the apply to when and how you can take the money out.
Close to Retirement? 5 Steps You Must Take Now
Short term retirement planning: 5 steps you must take within 5 years of retirement.
5 Retirement Income Portfolios
Here are 5 different ways to put together a retirement income portfolio.
4 Affordable, Reliable Index Fund Families to...
Index funds are a great investment choice. Here is a list of some of the very best index funds to choose from.
Things to Know Before Taking a 401k Hardship...
Not all 401k plans allow hardship withdrawals. If they do, here are the rules that apply.
Married & 62 Before 1/1/2016? Check Out...
This Social Security strategy is great for married couples if one of you was born Jan.1, 1954 or earlier. Here's how to collect now - and later.
How Does the Stock Market Perform During...
How do election years affect stock market returns? Here's what the statistics and past results say.
How to Find States with Low Taxes for Retirees
You can have far more income to spend if you live in one of the best states for retirement income taxes verses one of the worst. Is it worth relocating? You never know until you start looking.
How to Know If That Condo Is a Good Investment
Is a condo a good investment? Here are the questions and calculations you'll need to make to determine the answer.
What You Should Know About IRAs and Age Limits
IRA age limits apply to Traditional IRAs but not to ROTH IRAs. Here are the IRA age related rules you need to know about for either type of IRA.
Current & Historical Medicare Part B Premiums
You will pay a premium for your Medicare Part B benefits. Find 2016 and past Medicare Part B premium schedules here.
Can Social Security Benefits Be Stopped or...
Can you stop Social Security benefits once you start? Sometimes. Here are the conditions that apply.
How to Use Capital Losses on Your Tax Return
Can a capital loss carryover to the next tax year? Maybe. Here's how it works.
10 Facts to Help You Successfully Navigate IRA...
Here are 10 facts that can help you successfully navigate the do's and don'ts of IRA rollovers.
6 Ways Your Financial Advisor May Charge You...
Here are the 6 common ways financial advisors charge fees and how each pricing structure works.
How Social Security Benefits Work After Divorce
How does divorce affect your or your ex-spouse's Social Security? Here's what you need to know.
Does An IRA Rate Exist?
How do you find the best IRA rates? The answer will surprise you.
6 Rules to Make Your Retirement Savings Last
Learn the six withdrawal rate rules you must follow when creating a portfolio to generate lasting retirement income. These rules help you make appropriate adjustments to your withdrawal rate, reducing the probability that you will run out of money.
Looking for High Yield Investments? Start Here
Looking for yield? Here's a list of high yield investments that offer above average income payouts.
The Scoop On ROTH IRAs - Are Withdrawals...
Are Roth IRA withdrawals tax free? Most of the time, but not always. Here's the scoop.
The Easy Way to Estimate Retirement Expenses
Accurately estimating retirement expenses is one of the most important things you can do. Here's an example to get you started.
Three Worries With Healthcare At Age 55 And...
Healthcare insurance needs after age 55 can be met in number of different ways. Here are three things to consider about health care at 55.
How Much Do You Need to Retire? Follow These 4...
How much to retire? Great question. It takes some soul searching and some calculating to come up with the answer. These four steps will help you determine how much you will need to retire.
Married? Don't Make This Common Retirement-Age...
Married couples - don't make the mistake of looking at when to take Social Security the same way a single person would. Instead, do this.
Here's How an IRA Distribution Is Taxed
The tax you pay on an IRA distribution will depend on your income and deductions for the year. Here's how it works along with an example.
9 Ways To Generate Retirement Income
Are you getting closer to retirement? Here is a list of 9 retirement income strategies to mix and match to create the cash flow you'll need.
Immediate Annuity Basics - What to Know Before...
Is an immediate annuity an investment? No, it is a risk management tool. Here's how it works.
Average Retirement Age In The United States
Here's the average retirement age in the U.S. as well as tips on what to do if you plan to retire earlier than average.
Social Security Just Changed. Are You Affected?
New rules on Social Security claiming options begin in 2016. You can't do what you could do before. Know the rules before you file.
When to Retire? A Guide to Retirement From Ages...
Deciding when to retire is scary. This retirement guide is sure to help - it covers the essentials from ages 50 - 70.
File and Suspend: A Social Security Strategy...
The file and suspend Social Security strategy allows will only work through April 30th, 2016. Here's who needs to take a look at it right away.
3 Things You Must Know Before You Buy Rental...
Here are the three things to consider before you buy rental property.
Do you really need to file a restricted...
Why you need probably need a restricted application, even if Social Security tells you it isn't necessary.
How Long Will Your Money Last in Retirement?
Seven things affect how long your money will last in retirement. Here's an outline of what they are and how to factor them in to your plans.
Details To Review About Your Insurance Policy
When you review your insurance policy, it is important to look at benefits and restrictions in detail.
Top 10 Must-Read Retirement Blogs
These 10 retirement blogs are ranked form highly academic and technical, to those geared toward beginners.
When To Take Social Security - It's More...
One of the most important retirement decisions you will make is deciding when to take Social Security. Here are the factors to consider.
Vanguard Retirement Income Calculator Review
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators, learn what they do well, and what their limitations are. Page 2.
5 Steps to Determine If You've Saved Enough to...
Are you saving enough to retire? Will you have enough to retire? Walk through these five steps and in five minutes you can come up with a simple yes or no answer.
Benefits of Hiring a Good Financial Planner
What type of advice should you expect from a financial advisor? Here is what a good one will do for you.
Find The Best Financial Advisor in 7 Easy Steps
7 easy steps show you how to find the best financial advisor for you and your family.
6 Things to Think About Before Choosing a...
Your retirement age determines when and how you can access your retirement money. Retirement age rules vary from plan to plan and from country to country. Here are the things you need to know before you choose your retirement age.
Is Buying an Annuity a Good Investment?
Are annuities a good investment? In the right situation, they can be a good choice, but in many situations they aren't so great. Here's why.
5 Ways to Get Money Out of Your IRA
There are 5 types of IRA withdrawals; early (hardship IRA withdrawals are included in this category), regular IRA withdrawals (meaning you are over age 59 1/2), required minimum distributions (which start at 70 1/2), ROTH IRA withdrawals, and an IRA rollover or transfer.
ESPlanner Basic Retirement Calculator Review
See why ESPlanner Basic is the best free retirement calculator we could find.
Which Pension Benefit Choices Are Best for...
Pension plans will offer payout choices of life-only, joint and survivor, or life with ten years certain. Here's what to consider.
Retirement Income Funds - How They Work
Retirement income funds provide an all-in-one investment solution for monthly retirement income. Here are four such funds to consider.
All About Deferred Annuities
With deferred annuities, you deposit your funds with the annuity company (by investing in either a fixed, variable, longevity, or equity indexed annuity) and the taxes on any investment gains are deferred until such time as you take a withdrawal.
T. Rowe Price Retirement Income Calculator
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators, learn what they do well, and what their limitations are. Page 4.
S&P 500 Index Rolling Stock Market Returns
This bar chart shows the rolling returns from 1973 - mid 2009 for the S&P 500 Index over 1, 3, 5, 10, 15, and 20 years.
What is a Pension and How Do You Get One?
The purpose of a pension is to provide guaranteed income. Here are tips on how to find one.
When to Start Your Pension
Starting your pension at the right age can reduce your risk of running out of money. Here is how you analyze your options to best decide when to start your pension.
Earned Income Is Taxed Differently Than...
What is earned income? And when is income considered unearned? This is good to know so you can estimate taxes before and after retirement.
Important Facts About Social Security Earnings...
If you take Social Security benefits before you reach full retirement age, and you earn income in excess of the annual earnings limit, your Social Security benefits will be reduced. Here are the current and past years' earnings limits for reference.
Pros and Cons of Long Term Care Insurance
Pros and cons of long term care insurance.
Is Real Estate a Good Investment for Retirement?
Real estate can be not only a good investment; it can be a great investment. But is it a good choice for your retirement income?
3 Easy Ways to Get More Social Security Benefits
Take these steps to increase the amount of Social Security you will receive.
Want Retirement Income? 4 Steps You Must Take
Here are four steps you must take to secure the retirement income you'll need. As you begin to think about where your retirement income will come from, take the time to work your way through this set of articles. They'll give you a great overview of the issues you need to think about as well as some specific ideas on when to retire, and how to create the retirement income you'll need.
Top 3 Millionaire Calculators
How long will it take and how much to you need to save to become a millionaire? These three calculators can help you figure it out.
How to Hire the Right Financial Advisor
Five questions to ask a potential financial advisor that will help you determine if they are the right financial advisor for you. These questions help you determine their level of integrity and their ability to communicate to you in language and terms you can understand.
How to Use Delayed Retirement Credits to...
Delayed retirement credits can increase your Social Security by 25% or more - and provide more income for a surviving spouse. Here's how they work.
6 Ways to Keep Your Nest Egg Safe
Want to keep your nest egg safe? These six guidelines show you how.
Inherited an IRA from Mom or Dad? Here's What...
Inherited an IRA from mom or dad? Or an aunt, uncle or sibling? Here is what you can do with it.
2015 Tax Rates - How to Use Them in Your...
2015 tax brackets - and more importantly - how to use them when planning for retirement.
3 Ways to Find the Best Mutual Funds for...
Finding good mutual funds and learning how to use them is an important part of investing in retirement. Here's how to find good funds.
AARP Retirement Income Calculator Review
This a review of AARP's retirement calculator. Additional retirement calculator reviews are provided in this series. Page 3.
How Old Does My Ex Need to Be So I Can Collect...
How old does my ex have to be, 62, or 66, for me to be able to claim a spousal Social Security benefit? And how much will I get?
401k Vesting And What It Means For You
401k vesting, or what you may call your “vested balance”, refers to how much of your 401k balance goes with you if you leave the company. Vesting is also used to determine how much you can borrow if you take a 401k loan, as you can only borrow from your vested balance.
3 Smart Ways to Invest Your 401k
Most 401(k) plan now offer foolproof ways to invest your money. Here's how you identify these great choices.
Roth 401(k) vs. Regular 401(k): Do You Know the...
Employee Roth 401(k) contributions differ from regular pre-tax 401(k) contributions and from Roth IRAs. Here are need-to-know facts and differences.
Calculate Your Longevity. Here's How.
Estimating life expectancy can help you make better decisions in all aspects of your life. Here are 4 online tools to use that do the calculations.
Do I Lose My 401k Plan if My Company Closes?
If your company shuts down, do you lose your 401k money? Likely not. Here's how your money is protected and how you can get it.
What to Know Before You Start an IRA Rollover
Almost everyone seems to have an old 401(k) or other retirement plan lingering somewhere. Find out what you need to know before you roll it over.
Social Security Quiz
Social Security Quiz
How to Pay Less Taxes in Retirement
You can lower the taxes you pay in retirement by proper tax planning between the ages of 55 and 70. Here's what you can do to pay less taxes in retirement.
Should You Hire a Fee Only Financial Advisor?
What is a fee only advisor, and should you hire one?
Should You Own Stocks in Retirement?
Only 3 types of people should own stocks in retirement? Are you one of them?
How Salary Deferral Can Help You Save More
New to retirement planning? You'll often hear the term salary deferral. Here's what it means, how to get started with it, and why it's a good idea.
What's a Variable Annuity?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >A variable annuity,
Increase Your Social Security Benefits By...
Social security uses your highest thirty-five years of work history to calculate your social security retirement benefit. To increase your social security benefits make sure you have a full 35 years of work history. Think of this calculation like an average; if you have a zero as one of the numbers, it will pull the average down.
7 Ways to Get Guaranteed Income in Retirement
Here are 7 ways to get guaranteed income in retirement.
Case Study 1 - Taxation of Social Security for...
This table shows how much tax an average married couple will pay in retirement, and how much tax they will pay on their Social Security benefits.
What Is an Annuity Really Good At?
There is one thing an annuity does exceptionally well. Here is what it is.
8 Things to Know Before You Take an Early...
Don't make these eight mistakes when you take an early retirement package. Smart planning is the key to early retirement success.
15 Things You Must Do to Financially Prepare...
This retirement checklist provides 15 things you must do to financially prepare for retirement.
Schwab Retirement Savings Calculator Review
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators, learn what they do well, and what their limitations are. Page 5.
Here's Why You Might Want to Fund an HSA...
When used correctly an HSA can be like an IRA on steroids. That's why you might want to fund an HSA instead of an IRA.
5 Things to Know Before You Invest Your...
Retirement is scary and figuring out where to put your retirement money isn't always easy. Here are five things you must know before you invest your retirement money.
Pre and After-Tax Investments: Which One for...
Here's the difference between pre-tax and after-tax dollars.
5 Questions to Ask About Life Insurance Over 50
Do you need life insurance over 50? If so, how much, how should you buy it and who is it for? Here are 5 questions to ask about life insurance over 50.
Important Events on Your Retirement Plan Timeline
What to do and how to plan as you near certain retirement ages. Key ages are 55, 59 1/2, 62, 65 and 70 1/2.
Life Insurance After 55: How Much Do You Really...
Once retired, do you still need life insurance? Here are 5 questions to ask to find out.
10 Small Money Moves That Can Have a Big Impact
These ten money moves may seem minor - but over time they can have a major impact.
Retirement Calculator Reviews
Find the best retirement calculator for your situation, see pros and cons of popular retirement calculators, learn what they do well, and what their limitations are.
6 Investment Fees You Should Understand Before...
Investment fees will lower your returns, so find out whether you are responsible for these six investment fees before you buy.
Looking for a Good Stock to Invest In?
Looking for a good stock to invest in? If so, you need to read this article.
How (and Why) to Use a Non-Deductible IRA...
Non deductible IRA contributions can be a great way for high income earners to get money into a Roth IRA. Here's how.

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