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37 results for “irs”.
Articles (30)
All articlesRequired Minimum Distributions (RMDs) Explained
What RMDs are, the age they start, how they're calculated, which accounts they apply to, and the steep penalty for missing one — in plain English, with IRS sources.
All agesRetirement Planning for Lawyers & Attorneys
Retirement planning for lawyers: how to handle a high income, a late start with student debt, and the firm structures — associate, partner, solo — that decide which plans (401(k), cash-balance, solo 401(k)) fit.
50s
Crypto Estate Planning: Passing Bitcoin to Your Heirs
Crypto's biggest inheritance risk isn't taxes — it's lost access. This guide covers building a secure access plan, the trade-off between self-custody and custodial accounts, beneficiary designations, the step-up in basis, and how to make sure your heirs can actually recover what you leave them.
All ages
The Best Communities That Discuss Retirement
Some of the best retirement learning happens in communities of people going through the same decisions. Here are well-known forums and communities where retirement, investing, and financial independence are discussed — and how to use them wisely.
All ages
Crypto in a 401(k): Can You Hold Bitcoin at Work?
Most 401(k) plans don't offer crypto directly, but there are a few ways in — and some important warnings from regulators. This guide covers brokerage windows, direct Bitcoin options, the DOL's stance, why the employer match still comes first, and how an IRA can fill the gap.
50s
Best States to Retire: The Top 10, Ranked
Which states are best for retirement? We rank the top 10 US states for retirees — weighing taxes, cost of living, climate, and healthcare — with a clear reason for each. Florida, Tennessee, and Texas lead the list, but tax dark-horses like Pennsylvania earn a spot too.
50s
What Retirement Looks Like for a Teacher
Teachers retire differently from most workers: many rely on a state pension plus a 403(b), and a 2025 law change restored full Social Security for many educators. Here's how the pieces fit together.
All ages
At What Age Can You Retire? Every Milestone, Explained
At what age can you retire? Legally there's no minimum — you can retire whenever you can afford it. But a series of specific ages unlock penalty-free access to your money and your benefits: 55, 59½, 62, 65, 67, 70, and 73. Here's each one explained, with the numbers and a claiming-age chart.
All ages
2025 Retirement Contribution Limits: Every Account, Side by Side
The 2025 IRS contribution limits for every major retirement account — 401(k), 403(b), 457(b), IRA, SIMPLE, SEP, Solo 401(k) and the HSA — with catch-up amounts and the new SECURE 2.0 super catch-up, in one table.
All ages
What Is Retirement? A Complete, Plain-English Guide
Retirement is the stage of life when you stop working for income and live on money you've built up — from Social Security, employer plans, and personal savings. A complete, plain-English guide to what retirement is, where the money comes from, how much you need, and when you can retire.
50s
The Best Places to Retire in the US: Cities and Towns
The best place to retire in the US depends on your budget, climate, and lifestyle, but a handful of cities and towns keep topping the lists. Here's a detailed guide to what makes a place great for retirement, the most tax-friendly states, and standout cities and towns for warmth, the outdoors, healthcare, and low cost.
All ages
How Much Should You Have Saved for Retirement by Age?
Age-based retirement savings benchmarks as multiples of your salary: 1x by 30, 3x by 40, 6x by 50, and 10x by age 67 — with a chart, a dollar table, what they assume, and how to catch up if you're behind.
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.
All ages
Which Retirement Plan Do You Get? A Guide by Occupation
Your job decides your retirement toolkit. A plain-English map of which plans each type of worker gets — private-sector 401(k), teacher pensions plus 403(b)/457(b), federal FERS and the TSP, nonprofit 403(b), and self-employed SEP or Solo 401(k).
40s
Retirement Planning in Your 40s
Your 40s are the highest-leverage decade to secure retirement: check where you stand, max the right accounts, and balance college, debt, and saving. A practical, step-by-step plan.
50s
Retirement Planning in Your 50s
In your 50s you get extra 'catch-up' contribution room and a clearer view of the finish line. Time to firm up the plan and reduce risk thoughtfully.
All ages
How Much Crypto Should Be in Your Retirement Portfolio?
There's no official number, but a disciplined framework beats guessing. This guide covers the 'only what you can afford to lose' rule, common 1–5% guardrails, how age changes the answer, rebalancing, and dollar-cost averaging into a position without trying to time the market.
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.
40s
Catching Up on Retirement in Your 40s (When You Didn't Plan)
Behind on retirement in your 40s? You're not out of time — with 20+ years left, an aggressive savings rate, catch-up contributions, and a few focused moves can still build a real nest egg. Here's a step-by-step catch-up plan for people who didn't get an early start.
30s
In Debt at 30? How to Balance Debt and Retirement Saving
In debt at 30 and torn between paying it off or saving for retirement? It's not all-or-nothing. Here's how to balance debt payoff and retirement saving, which debts to attack first, why the employer match always comes first, and why you shouldn't pause investing entirely in your 30s.
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.
60s
Retirement Planning in Your 60s
Your 60s are about transition: when to claim Social Security, how Medicare works, and how to withdraw from savings without running out.
Directory (7)
All resourcesIRS Publication 554 — Tax Guide for Seniors
Budgeting & SavingThe IRS's plain-language guide to how retirement income, credits, and deductions are taxed for older adults.
View details →IRS Publication 590-B — Inherited IRAs
Estate PlanningThe IRS rules for beneficiaries of IRAs, including inherited-IRA distribution options and the 10-year rule.
View details →IRS Publication 969 — HSAs
Retirement AccountsThe official rules on Health Savings Account eligibility, contribution limits, and tax treatment.
View details →IRS — Retirement Plans
Retirement AccountsThe official rules on IRAs, 401(k)s, contribution limits, and required minimum distributions.
View details →IRS — Rollovers of Retirement Plan & IRA Distributions
Retirement AccountsOfficial IRS rules on moving money between 401(k)s and IRAs without triggering taxes, including the 60-day rule.
View details →IRS — Required Minimum Distribution FAQs
Retirement AccountsWhen RMDs start, how they are calculated, and the penalty for missing one — straight from the IRS.
View details →IRS Rollover Chart (PDF)
Retirement AccountsOne-page grid showing which account types you can roll into which — a handy reference before a rollover.
View details →