Market analysis, investing strategy, and wealth-building insights — written for real investors.
A child who skips college does not make a 529 worthless. You can change beneficiaries, fund other education, or potentially roll up to $35,000 into their Roth IRA.
The SECURE Act quietly replaced stretch IRA distributions with a 10-year deadline — and most heirs are bungling the timing in a way that spikes their tax bill by five figures.
Freelancers and business owners have access to retirement accounts that dwarf what W-2 employees can use — yet most default to a basic IRA and leave tens of thousands in tax savings on the table.
Most investors max their 401(k) at $24,500 and stop — but a lesser-known IRS rule lets you contribute up to $44,500 more and convert it to Roth, tax-free.
Most workers either stop at the employer match or max out blindly — the right answer depends on a tax calculation that takes 10 minutes and can be worth $40,000.