Investment Insight

Prioritizing your debts is a critical step in a successful financial recovery plan because it allows you to focus your limited resources on the liabilities that cause the most damage to your net worth. Without a clear hierarchy of payments you might f…

Negotiating lower interest rates is one of the most effective ways to accelerate your journey toward financial freedom by reducing the cost of borrowing and allowing more of your payments to hit the principal balance. Banks and creditors are often wil…

For high income investors, the biggest challenge to wealth preservation is often the impact of federal and state taxes on their investment returns. While corporate bonds and treasury bills provide steady interest, that income is typically subject to o…

In the quest for financial independence, the biggest obstacle is often the steady erosion of your savings by future taxes. While many retirement accounts offer tax relief today, the Roth IRA is unique because it provides a powerful guarantee of tax fr…

Dividend investing is one of the most celebrated paths to passive income and financial freedom. Receiving regular payments from successful companies feels like the ultimate reward for your patience and discipline as an investor. However, many people a…

Tax loss harvesting is a powerful strategy used by sophisticated investors to lower their tax liability by selling losing investments. However, the internal revenue services of many countries have established specific guardrails to prevent investors f…

Deciding when to click the button and begin receiving Social Security benefits is one of the most consequential financial choices a person will ever make. It is not just a paperwork exercise; it is a permanent decision that locks in your monthly incom…

Retirement looms large for many folks, and the big question hits hard: Will Social Security cover my needs? You might lose sleep over it, wondering if that monthly check will stretch far enough. The truth is, figuring out your Social Security benefits…

Turning 50 hits like a wake-up call. You look at your bank statements and wonder if you'll ever stop working. Many folks in their fifties face this same fear years of life got in the way of saving enough for those golden years. But here's the …

Many folks feel a knot in their stomach when they think about retirement. Will the money last? Will life after work be secure or stressful? These worries push people to seek clear paths. That's where the retirement savings by age guideline comes i…