Blog Category
Retirement planning guides covering 401(k), IRA, HSA, and long-term wealth building.
7 articles
Roth IRA vs Traditional IRA 2026: contribution limits, income phase-outs, RMDs, the 5-year rule, and exactly when each wins. Includes tax break-even analysis and 5 investor profile scenarios.
July 30, 2026 · 13 min readThe complete FIRE guide: FIRE number calculation, savings rates, 4% rule vs 3.5%, Roth conversion ladder, healthcare before 65, sequence-of-returns risk, and the exact steps to financial independence.
July 27, 2026 · 14 min readWhen should you claim Social Security? Claim at 62 vs 67 vs 70 compared with break-even analysis, spousal and survivor benefits, earnings test, benefit taxation, and the WEP/GPO repeal under the Social Security Fairness Act.
July 27, 2026 · 14 min readThe complete 2026 comparison — tax treatment, contribution limits ($7,000/$8,000), income phase-outs, RMDs, and which account wins at every tax bracket and life stage.
June 10, 2026 · 12 min read2026 contribution limits ($23,500 / $70,000 total), employer match strategy, fund selection, Roth vs Traditional 401(k), and the priority waterfall for every retirement dollar.
June 10, 2026 · 13 min readVTI, AVUV, VXUS, VNQ, QQQM, SCHD — expense ratios, dividend yields, and why each ETF maximizes the tax-free advantage of a Roth IRA. Includes 4 sample portfolio allocations.
June 10, 2026 · 10 min readHow to contribute to a Roth IRA when you're over the income limit — step-by-step execution, the pro-rata rule trap, mega backdoor Roth, and Form 8606 filing guide.
June 10, 2026 · 12 min read