Category: Wealth
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Over 50? Check Whether Your 2026 401(k) Catch-Up Must Be Roth
Who must make 2026 401(k) catch-up contributions as Roth? Check the $150,000 prior-year wage test, age-based limits, and what to ask payroll.
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Who Gets Your 401(k) When You Die? Why Your Beneficiary Form Matters
A beneficiary designation can control a 401(k), IRA, or insurance policy even when a will says something different. Learn what to check, when to review it, and where to ask for help.
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My Retirement Income Is Only Half of My Goal. What Can I Do Besides Buy More VOO and QQQM?
My projected retirement income covers only about half of my goal. Before buying more VOO or QQQM, I am checking the gap and the other levers that could change it.
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We Started Tracking Every Cent. Here’s What We Found—and Canceled.
Small purchases and forgotten subscriptions used to disappear into the month. After financial hardship, we began tracking every expense and upcoming payment down to the cent.
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I Once Owned Apple and Alibaba. Why I’m Rebuilding With VOO and QQQM
After selling my house, I bought Apple and Alibaba—and later had to sell them. Here is why I returned with a 70/30 VOO–QQQM ETF plan, what 11.64% YTD means, and where the…
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2027 Social Security COLA Explained: Why a Possible 3.6% Raise May Feel Smaller
The 2027 Social Security COLA is currently projected near 3.6%. Calculate the possible increase—and see why Medicare could make the amount reaching your bank account smaller.
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How I’m Rebuilding My Retirement in My Early 50s
How I’m rebuilding retirement savings in my early 50s using my employer’s 401(k) match, monthly ASPP proceeds, and a simple VOO/QQQM plan.