RetirementGuide
How Much to Save for Retirement Based on Your Actual Income
The fifteen percent rule fits some incomes and fails others. How to size your savings rate from your target, your start date and Social Security.
7 min read
The library
9 plain-English reads on budgeting, saving, investing, debt, credit and taxes. Newest first unless you say otherwise.
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Money FoundationsGuide
How to Calculate Your Net Worth and Why Direction Matters
Net worth is what you own minus what you owe, and trajectory matters more than the snapshot. What to count, what to omit and how often to track it.
6 min read
Retirement
Retirement Contribution Limits and What Changed This Year
Complete retirement contribution limits for 401k plans, IRAs, and HSAs in one reference table. Learn how to adjust your January payroll deductions smoothly.
5 min read
Editor's pick
RetirementGuide
The 4% Rule, Examined
The 4% rule originated in a 1994 historical study of 30-year retirements. Here is what it actually proved, what critics get right, and how dynamic guardrails work.
8 min read
Retirement
Catch-Up Contributions After 50
Catch-up rules allow extra retirement contributions from the year you turn 50, with a higher tier for ages 60 to 63. Here are the 2026 limits and contribution order.
6 min read
Passive Income
How Much You Need Invested for $500 a Month
$500 monthly needs $150,000 at a 4% withdrawal rate or $187,500 at a 3.2% dividend yield. Neither figure includes tax or guarantees the income.
5 min read
Editor's pick
Saving
How Much Should You Have Saved by 30, 40 and 50?
The salary-multiple rules assume a career shape most people do not have. Here they are anyway, beside what people at each age actually hold.
6 min read
Investing
Asset Allocation by Age: The Table and Its Limits
"110 minus your age" is a starting point that ignores the two things that actually matter: when you need the money, and what you did last time it fell 30%.
6 min read
Editor's pick
InvestingGuide
Index Funds Explained Without the Jargon
An index fund is a rule, not a manager. What the rule costs, what it buys, and why 0.85% instead of 0.04% takes $70,624 off a thirty-year balance.
11 min read
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