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HISTORICAL FACTS: Business personal finance - The Untold Story

How Much Can You Spend in Retirement? Fund Giant Sets Out Two Ways to Draw Down Savings

Capital Group has outlined withdrawal rates of 4% to 5.5% for retirees, depending on whether they prioritise stable income or accept annual payments that fluctuate with investment performance.

International Business Times UK · 5m ago

'Social Insecurity': 'The Ramsey Show' Warns Americans Over 50 Who Rely on Social Security

Dave Ramsey's retirement advice follows a 3.6% Social Security increase in 2027. See how savings, debt, and household costs may affect retirement income needs.

International Business Times UK · 1h ago

The IRS Is Mailing a New Retirement Notice — Don’t Assume It’s Junk Mail

A thin envelope from the IRS is rarely something people look forward to opening, but a new mailing arriving in taxpayers’ mailboxes is different from the usual tax bill or warning. The IRS retirement notice, known as CP321J, is alerting certain Americans that they may qualify for a new federal…

Everybody Loves Your Money · 4h ago

From analysis to the latest developments in health,
read the most diverse news in one place.

You Retired at 62 — Now You Want to Work Again. What Happens to Your Benefits?

Retirement at 62 can sound wonderful until the novelty wears off, the savings account looks less impressive, or a former coworker mentions an opening with decent pay. Suddenly, another job sounds appealing. The catch? Social Security has rules about earning a paycheck while collecting retirement benefits, and those rules can…

The Free Financial Advisor · 4h ago

State pensioners to receive £500 triple lock boost in 2027

Someone on the full state pension will get over £13,000 for the year from April

The Independent UK · 9h ago

Seven things you should do if you are worried about winter energy bills

There are several proactive steps you can take ahead of winter to lower your tariff

The Independent UK · 10h ago

7 things to do now if you are worried about winter energy bills

There are several proactive steps you can take ahead of winter to lower your tariff.

The Independent UK · 10h ago

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Couple Have $4 Million Saved but Still Disagree About Retiring — What Would Be Enough?

A 60-year-old with $4 million saved wants to retire, but his wife says they cannot afford it. Independent benchmarks and record retirement fears reveal what 'enough' really means.

International Business Times UK · 11h ago

Nine million homes heading into winter in energy debt, survey suggests

Just 55% of billpayers are in credit this year to their energy supplier this year, down from almost two-thirds (64%) in 2022, Uswitch found.

Evening Standard · 20h ago

Social Security’s $75 Monthly Increase Is Sparking Heated Debate—Retirees Say It Isn’t Enough

An extra $75 a month might sound like welcome news for retirees struggling to stretch their Social Security checks. But when grocery bills, prescription costs,...

Saving Advice · 21h ago

Should You Pay Off Your Mortgage Before Helping Your Kids Buy a House?

Paying off your mortgage before helping your kids buy a house sounds wonderfully tidy. The parents enter retirement debt-free, the children get a financial head start, and everyone celebrates with a housewarming dinner that nobody has to finance.

The Free Financial Advisor · Oct 20

The Problem With Taking Money Advice From Someone Who Got Rich 30 Years Ago

Money advice from someone who built a fortune 30 years ago comes with an appealing feature: proof that the strategy worked. A paid-off house, a comfortable retirement, and a healthy investment portfolio make a persuasive case. Unfortunately, financial success can hide just how much the world changed between the first…

The Free Financial Advisor · Oct 20

Your Financial Advisor Says You’re on Track — But Have You Asked This Question?

Your financial advisor says you’re on track for retirement. Your investments look reasonable, your savings follow the plan, and your projected numbers seem reassuring. Before leaving that meeting feeling financially accomplished, ask one question: “What happens if life doesn’t go according to this plan?”

The Free Financial Advisor · Oct 20

You Find an Old Savings Bond in Your Parents’ House — Is It Still Worth Money?

An old savings bond tucked inside a desk drawer could hold real money, even if its owner bought it decades ago. But the date on the bond matters more than its age, and some bonds stopped earning interest years ago. The first thing to check is the issue date, not…

The Free Financial Advisor · Oct 20

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Budget and the Bees · Oct 20

I’m 40 and Have Nothing Saved for Retirement — Is It Too Late to Catch Up?

Turning 40 with nothing saved for retirement can make every financial milestone you missed feel suddenly urgent. The good news is that retirement savings at 40 still have roughly 25 to 27 years to grow if you expect to retire in your mid-to-late 60s.

International Business Times UK · Oct 20

'Rich But Cash-Poor': Why Some $500,000 Earners Still Live Paycheck to Paycheck

Goldman Sachs survey finds 36.6% of US households earning over $500,000 live paycheck to paycheck, while 45% delay retirement savings.

The Free Financial Advisor · Oct 20

How Do You Spend Retirement Money When You Have No Idea How Long You’ll Live?

Retirement savings must cover a life span nobody can predict. That creates an awkward problem: spending too freely could leave a retiree short of money, while spending too cautiously could turn retirement into decades of unnecessary penny-pinching. Neither outcome sounds particularly appealing after years of working toward financial freedom.

The Free Financial Advisor · Oct 20

Higher Earners Over 50 Lost a 401(k) Tax Break in 2026 — Here’s What Changed

Higher earners over 50 face a new 401(k) rule in 2026, and it changes when they pay income taxes on some retirement contributions. Workers whose previous-year wages from their current plan sponsor exceeded $150,000 must generally make their eligible catch-up contributions on a Roth basis. That means they lose the…

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The Independent UK · Oct 20

This is why you should open a Lifetime ISA - while you still can

The government’s new First Time Buyer ISA is on the way - but critics say it’s an inferior product

The Economic Times · Oct 20

I have LTCG tax liability of Rs 16 lakh from land sale; should I pay income tax or reinvest to save?

ET Wealth Reader's Query: I am 57. I recently sold a piece of land near Jewar airport, resulting in a long-term capital gains (LTCG) tax liability of around Rs 16 lakh. I am considering two options: reinvesting the proceeds in another property of a similar value to claim the available…

The Economic Times · Oct 20

Is ₹3 lakh enough for your emergency fund if you have a home loan, children and ageing parents?

As Netflix plans to cut jobs, the importance of an emergency fund becomes paramount for households facing financial uncertainty. Discover how to calculate your emergency fund based on your essential monthly expenses and personal circumstances. Learn about the best places to keep your emergency savings, and how health insurance factors…

Saving Advice · Oct 19

Can You Retire on $2,500 a Month? These States May Make It Possible

Retiring on $2,500 a month might sound impossible when groceries, housing, insurance, and healthcare costs keep climbing. But depending on where you live, that amount...

The Free Financial Advisor · Oct 19

How Do You Make A Relationship Budget For You And Your Girlfriend?

A relationship budget helps you and your girlfriend enjoy spending time together without letting every date, grocery run, or weekend getaway become a financial guessing game. The awkward part usually isn’t the math. It’s figuring out what feels fair when two people have different incomes, spending habits, and ideas about…

International Business Times · Oct 19

One in Three Americans May Have Retirement Money They Don't Remember About, New Data Shows

A federal database can help former employees trace workplace retirement plans even when they no longer remember who administered their accounts.

The Free Financial Advisor · Oct 19

The Strange Reason Some People Receive Social Security Checks After They Die

Social Security checks can arrive after a recipient dies, creating an awkward problem for grieving families: the money shows up, but the government may want it back. The explanation involves a payment schedule that catches many people off guard, especially when funeral expenses and household bills already demand attention.

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