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All ages

How to Retire Early: The Step-by-Step FIRE Playbook

Retiring early is possible, but it runs on math, not luck: reach financial independence by saving a large share of your income and investing the rest, until your portfolio covers your spending. Here's the step-by-step FIRE playbook — the number, the savings rate, and how to access your money before 59½.

All ages

When Can I Retire? The Exact Ages, Rules, and Amounts

‘When can I retire?’ has two answers: when the rules let you, and when you can afford to. Here are the specific ages and laws — the Rule of 55, 59½ withdrawals, Social Security from 62 to 70, Medicare at 65, and RMDs at 73 — plus the dollar-amount test for whether you can actually afford it.

40s

Retirement Planning in Your 40s

Your 40s are often your highest-earning decade. This is the time to max accounts, get intentional about goals, and check whether you're on track.

Retirement goals

Retirement Planning by Profession: 2026 Targets & Account Limits

How your profession changes your retirement math — 2026 IRS contribution limits, a computed nest-egg target for your income, pensions, and self-employed accounts.

All ages

Crypto Tax Strategies for Retirement

From the one-year holding rule to tax-loss harvesting (which crypto uniquely allows today) to donating appreciated coins and timing income in low-bracket years, these are practical, legal strategies to reduce the tax drag on crypto over a lifetime.

All ages

How Is Cryptocurrency Taxed? A Retirement Investor's Guide

The IRS treats crypto as property, so most transactions trigger capital gains or losses. This guide breaks down taxable events, short- vs long-term rates, staking and mining income, cost-basis methods, reporting forms, and the one move that makes all of it disappear: holding crypto in a retirement account.

All ages

Bitcoin ETFs in Your IRA or 401(k)

Spot Bitcoin ETFs let you add crypto to an IRA or 401(k) as easily as buying a stock — no wallets, no keys, no special custodian. Here's how they work, how they compare to owning coins directly, and how to buy one inside a retirement account.

All ages

Can You Hold Crypto in an IRA?

You can hold Bitcoin and other crypto in an IRA, and it can be one of the most tax-efficient ways to own it. This guide covers both routes — a self-directed crypto IRA and a spot ETF in a normal IRA — plus fees, rules, and the mistakes that trigger taxes.

All ages

How to Buy a Bitcoin ETF in a Roth IRA

A step-by-step guide to holding a spot Bitcoin ETF (IBIT, FBTC, and more) inside a tax-free Roth IRA — which brokerages allow it, the contribution limits, and what to watch for.

All ages

What Retirement Plans Are — and How to Set and Achieve Them

'Retirement plan' means two things: the accounts (401(k), IRA, Roth, pension, HSA) and the actual plan for using them. This covers both — what each account does, and a repeatable system to set goals and hit them.

All ages

What Is a Retirement Age?

There isn't one retirement age — there are several, each unlocking something different: penalty-free withdrawals, Social Security, Medicare, and required withdrawals. Here's what each key age actually means.

All ages

TRS vs. 403(b) for Texas Teachers: How They Actually Work Together

For Texas teachers, TRS and a 403(b) aren't an either/or choice: TRS is your automatic pension, and a 403(b) or 457(b) is how you save on top. Here's how each works, why it matters that many Texas teachers don't get Social Security, and the 2025 WEP/GPO repeal.

30s

How to Plan for Retirement in Your 30s

Two goals, one guide: how to plan for retirement in your 30s, and whether you could actually retire during your 30s. Here's the early-retirement (FIRE) math, the savings rates it takes, and a clear, step-by-step plan to build wealth automatically without sacrificing the life you're building now.

All ages

iTrustCapital Crypto IRA Review: Fees, Pros & Cons

iTrustCapital is a well-known crypto IRA provider, letting you hold cryptocurrency and physical gold or silver inside a tax-advantaged IRA. Its draw is a no-monthly-fee, per-trade pricing model and Roth tax-free growth. Here's an honest review — how it works, the fees, the pros and cons, and who it suits.

All ages

Crypto IRA Rules: Eligible Coins, Contribution Limits & Taxes

Crypto IRA rules confuse people because two systems overlap: normal IRA rules and how the IRS treats crypto as property. Short version — you fund it with cash up to the regular IRA limit, the provider decides which coins are eligible, and inside a Roth the growth is tax-free. Here are the rules in plain English.

All ages

Crypto in a Roth IRA: Tax-Free Growth

A Roth IRA lets qualified gains grow and come out completely tax-free — uniquely powerful for a high-growth, high-volatility asset like crypto. This guide covers why it fits, how to open one, contribution and income limits, the backdoor Roth, and the pitfalls to avoid.

All ages

Kraken Crypto IRA: How to Hold Crypto in a Retirement Account

A Kraken crypto IRA lets you hold Bitcoin and other crypto inside a tax-advantaged retirement account, using Kraken for trading and custody. Here's how it works, the tax advantages, the fees and risks to weigh, and the simpler spot-ETF alternative.