Plain-English perspective on the things that actually move a financial plan — retirement, taxes, markets, and the headlines worth paying attention to.
Long-term interest rates hit their highest levels since 2002 this fall. Three forces are behind it, and why I prefer short-term bonds right now.
SpaceX is now public and the AI listings may follow. Fifty years of IPO research help to explain why chasing new issues rarely pays.
How all 50 states and D.C. tax retirement in 2026 — income, Social Security, IRA and 401(k) withdrawals, estates, and now property and sales tax too — in one sortable table you can read for retirement taxes or overall burden.
Fund a child's account young, convert it to a Roth, and let it compound tax-free. The math of exactly when that beats a taxable UTMA — and how the break-even shifts with your return assumptions.
The latest Trustees report pulled Social Security's reserve-depletion date up to 2032. What that means for benefits, why the shortfall could run deeper, and why it's the case for planning and stress-testing.
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