Invested retirees
need an emergency fund, too The classic reason to keep an emergency fund — replacing a paycheck if you lose your job — disappears in…
Category: Money & Personal Finance
The emergency fund you’ll actually build
The most repeated advice in personal finance is also the most discouraging: keep three to six months of expenses in the bank. For some, it…
Are you as diversified as you think?
Giant technology companies have grown so large that they now dominate the S&P 500, and that is changing how some investors think about index funds. As of…
A historic boom, and no one knows where it ends
The same giant companies that dominate the stock market are pouring almost unimaginable sums into artificial intelligence, and the figures are hard to…
Can government help when rents are too high?
Rents feel too high in a lot of cities, so governments worldwide keep stepping in to push them down. The results have been mixed, and rarely what the…
A budget you can build with one sheet of paper
The bills that wreck a budget usually aren’t the monthly ones. They’re the expenses that don’t arrive every month but always arrive eventually — car…
Mystery deposit from your credit union? It’s your share of the profits
If you bank with a credit union, you may notice a deposit appear once a year labeled something like “descriptive deposit rebate.” It is not a mistake. It…
“Free $1,000” insurance from the bank
Your bank or credit union may have already sent you an announcement that you are covered for $1,000 of accidental death and dismemberment insurance. It’s…
Can you fund retirement without stocks?
Some want zero stock market exposure when they retire. Maybe they were burned in 2008. Maybe they remember the decade from 2000 to 2009, when the S&P 500…
The two-week trouble of payday loans
Payday loans are legal in most states, but illegal or capped at very low rates in about 21 states and the District of Columbia. If your state allows them,…