Guides & articles
Retirement Planning for Teachers: Pensions, 403(b)s, and the End of the Social Security Penalty
Between a state pension, a 403(b), and the recent repeal of the Social Security penalties, teachers have a retirement playbook all their own.
Retirement Planning for Nurses: 403(b)s, Shift Differentials, and Side Income
Hospital retirement plans plus overtime, differentials, and per-diem work give nurses several powerful levers to build savings fast.
Catch-Up Contributions: A Retirement Superpower After 50
Once you turn 50, the IRS lets you shovel extra money into tax-advantaged accounts. Here's how to use it.
Retirement Planning for Truck Drivers: Company Driver vs. Owner-Operator
Company driver or owner-operator, irregular income doesn't have to derail retirement — here's the right plan for each.
Retirement Plans for Small Business Owners: SEP-IRA vs. Solo 401(k) vs. Defined Benefit
A plain-English guide to the self-employed retirement options — and which one fits your business.
The 4% Rule, Explained (and Its Limits)
Where the famous retirement-spending rule comes from, and why it's a guideline — not a guarantee.
Retirement Planning for Federal Employees: FERS, the TSP, and the Big Three
FERS gives federal workers a three-legged stool — pension, TSP, and Social Security. Here's how to get the most from each.
How Much Money Do You Actually Need to Retire?
The honest answer is "it depends" — but a few simple rules of thumb get you surprisingly close.