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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:dc="https://purl.org/dc/elements/1.1/" xmlns:media="http://search.yahoo.com/mrss/" xmlns:atom="http://www.w3.org/2005/Atom"> <channel> <atom:link href="https://www.kiplinger.com/feed/all" rel="self" type="application/rss+xml" /> <title><![CDATA[ Latest from Kiplinger ]]></title> <link>https://www.kiplinger.com</link> <description><![CDATA[ All the latest content from the Kiplinger team ]]></description> <lastBuildDate>Tue, 04 Nov 2025 16:00:00 +0000</lastBuildDate> <language>en</language> <item> <title><![CDATA[ Tariffs, Inflation, Uncertainty, Oh My: How to Feel Less Stressed About Finances Now ]]></title> <dc:content><![CDATA[ <p>Americans’ money worries are stacking up as <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/whats-happening-with-trump-tariffs">tariffs</a>, inflation and a weakening jobs outlook take an increasing toll. Even stocks hitting a series of record highs lately hasn’t been enough to shake the financial jitters, with memories of the market’s spring swoon still relatively fresh.</p><p>Four out of five Americans in a survey by <a data-analytics-id="inline-link" href="https://www.discover.com/personal-loans/" target="_blank">Discover</a> this summer said they feel anxiety about their finances — an increase of nine percentage points since 2021 — and one-third characterized their stress as moderate to severe. The findings echo recent studies by <a data-analytics-id="inline-link" href="https://www.northwesternmutual.com/">Northwestern Mutual </a>and <a data-analytics-id="inline-link" href="https://www.fool.com/" target="_blank">Motley Fool</a>, which found that more than half of Americans now worry about their finances at least three times a week.</p><p>Overall sentiment in the U.S. continues to deteriorate, with major gauges of consumer confidence falling in August. Topping the list of concerns: high <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/inflation">inflation</a> and everyday expenses, followed by job fears and worries about a recession.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_7xws2pdR_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="7xws2pdR"> <div id="botr_7xws2pdR_a7GJFMMh_div"></div> </div> </div></div><p>“The change in trade policies and uncertainty over prices — most of our clients are aware of that, and it puts them on edge,” says certified financial planner Eric Walters, managing partner at <a data-analytics-id="inline-link" href="https://summithillwealth.com/" target="_blank">Summit Hill Wealth Management</a> in Greenwood Village, Colo.</p><p>The concerns are not unfounded. Several measures of inflation have been inching higher recently, and many retailers and consumer goods manufacturers are warning that prices will continue to rise due to tariffs. The latest analysis from the <a data-analytics-id="inline-link" href="https://budgetlab.yale.edu/" target="_blank">Budget Lab at Yale University</a> suggests tariffs could add 1.8% to price increases this year, the equivalent of an average income loss of $2,400 per U.S. household. At the same time, employers are becoming reluctant to hire, creating another economic headwind.</p><p>What makes experts anxious, though, is that many people may make impulsive and possibly damaging money decisions to ease their worries, such as moving most of their retirement savings to cash or loading up on gold, cryptocurrency and other high-risk alternative assets.</p><p>“Everybody wants to get back into the driver’s seat of their lives financially, so they look at what they can control,” says CFP Bob Wolfe, founder of <a data-analytics-id="inline-link" href="https://www.healthyfp.com/" target="_blank">HealthyFP</a> in Conshohocken, Pa.</p><p>These steps can help you tackle money worries in a healthy way.</p><h2 id="zero-in-on-your-biggest-concern-2">Zero in on your biggest concern</h2><p>Pin down what disquiets you the most, then work on a specific plan to address that worry. If high prices top your list, for instance, you might start by reviewing your budget to find ways to lower expenses, says Juan HernandezAriano, a CFP and director of <a data-analytics-id="inline-link" href="https://wealthcr8.com/" target="_blank">WealthCreate</a> in Houston. For example, you might be able to take advantage of available discounts, cancel little-used <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-save-money/family-savings/601268/a-guide-to-streaming-services">streaming services</a> and subscriptions, or negotiate a lower interest rate on debt.</p><p>If you’re retired and inflation is fueling fears you could outlive your savings, consider shifting an additional three to six months’ worth of expenses from your investment portfolio to a lower-risk, easily accessible <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/banking/best-money-market-accounts">money market account</a> or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/best-high-yield-savings-accounts">high-yield savings account</a> that you can dip into as needed. That way, you’ll avoid selling stocks at a low if the market drops sharply again, HernandezAriano says. Temporarily lowering your annual portfolio withdrawals — say, from 4% to 3% — can help as well.</p><p>Naming your next three moves if your worst fears materialize is also a good exercise, HernandezAriano says. If you’re worried about losing your job, for example, you might assess your cash reserves to make sure you have enough on hand to meet your immediate bills, plan to file for unemployment benefits, and figure out how you’d maintain health insurance.</p><p>“The anxiety is reduced simply because you start flushing out that uncertainty,” HernandezAriano says.</p><h2 id="avoid-habits-that-fuel-your-anxiety-2">Avoid habits that fuel your anxiety</h2><p>Keeping up with the 24/7 news cycle and reading constant social media posts about the economy can trigger your brain to release “a burst of dopamine, which feels good and trains the brain to seek out more news,” says CFP and therapist <a data-analytics-id="inline-link" href="https://joyslabaugh.com/" target="_blank">Joy Slabaugh</a>, founder of the Wealth Alignment Institute. But doing that ultimately feeds your anxiety, so “set up safeguards to turn that off,” she advises. Maybe limit your financial news viewing to an hour or less a day or stop following alarmist economic pundits on social media platforms.</p><p>Similarly, take a break from looking at your portfolio balances. “Those who check their investments frequently have a greater likelihood of seeing the inevitable short-term ups and downs,” says Walters, even though over the long term the market typically rises.</p><p>Clients who instead rely on quarterly updates have lower stress, Walters says — and research shows they average significantly higher returns on their investments as well.</p><h2 id="get-perspective-2">Get perspective</h2><p>Accept that some factors are out of your control, says Patrick Huey, a CFP and owner of <a data-analytics-id="inline-link" href="https://victoryindependentplanning.com/" target="_blank">Victory Independent Planning</a> in Naples, Fla. He likes to offer his clients a reassuring historical perspective: Periodic <a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/investing/t052-s001-8-facts-you-need-to-know-about-bear-markets/index.html">bear markets</a> and recessions are normal, and so is eventual recovery. “They feel like, okay, this isn’t the first time this has happened,” he says.</p><p>Instead of checking your portfolio, review your long-term <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/one-time-financial-plan-valuable-or-dangerous">financial plan</a>, which should account for market ups and downs, recessions, and other setbacks, such as higher-than-average inflation. It also offers a concrete representation of your wealth and goals, how far you’ve come, and where you’re going. “It lowers the stress level,” Walters says. “You feel like there’s a map for your life.”</p><h2 id="allow-yourself-some-grace-2">Allow yourself some grace</h2><p>Avoid beating yourself up for feeling anxious, says <a data-analytics-id="inline-link" href="https://kahlerfinancial.com/about-kahler-financial/rick-kahler" target="_blank">Rick Kahler</a>, a financial adviser and certified financial therapist in Rapid City, S.D. Instead, use the emotion to your benefit. “It’s what we call a trailhead to explore,” Kahler says. “It will lead us to some place that can be really productive.”</p><p>There’s also a good chance you’re not the only one dealing with financial jitters. Reaching out to trusted family and friends can help. As Slabaugh notes, “There can be comfort and solidarity in realizing you’re not the only one who feels this way.”</p><p><em>Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make </em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KPP/kipcomarticles"><u><em>here</em></u></a><em>.</em></p><h3 class="article-body__section" id="section-related"><span>Related</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/how-tariffs-impact-your-wallet">How Tariffs Work and What They Mean for You in 2025</a></li><li><a href="https://www.kiplinger.com/taxes/how-savings-account-interest-is-taxed">Is High-Yield Savings Account Interest Taxable?</a></li><li><a href="https://www.kiplinger.com/economic-forecasts/inflation">Kiplinger Inflation Outlook</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/economy/tariffs-inflation-uncertainty-oh-my</link> <description> <![CDATA[ Tariffs, high prices and an uncertain economy getting you down? These steps can help. ]]> </description> <guid isPermaLink="false">7AvRY38Vu73zPFK2JRQ4bV</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/G74pKdakJF4Cu5mUeeg56e-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 04 Nov 2025 16:00:00 +0000</pubDate> <category><![CDATA[Economy]]></category> <category><![CDATA[Happy Retirement]]></category> <category><![CDATA[Family Savings]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Careers]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[How To Save Money]]></category> <dc:creator><![CDATA[ Janna Herron ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/G74pKdakJF4Cu5mUeeg56e-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A woman lounging on a couch scrunches her hair in a sign of anxiety]]></media:text> <media:title type="plain"><![CDATA[A woman lounging on a couch scrunches her hair in a sign of anxiety]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/G74pKdakJF4Cu5mUeeg56e-1280-80.jpg" /> </item> <item> <title><![CDATA[ IRS Updates Capital Gains Tax Thresholds for 2026: Here’s What’s New ]]></title> <dc:content><![CDATA[ <p>Every year, the IRS adjusts certain tax thresholds and amounts to keep pace with inflation, and this year is no different. In addition to new tax brackets and higher standard deduction and estate limit amounts, the IRS just unveiled new income tax thresholds for capital gains in 2026.</p><p>If you have investment income, these updated capital gains brackets (effective for tax returns you’ll file in early 2027) could impact your tax bill.</p><p>So, let’s dive into the latest<a data-analytics-id="inline-link" href="https://www.irs.gov/" target="_blank"> IRS</a> numbers for 2026 and what they mean for you.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_hEB3ir3W_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="hEB3ir3W"> <div id="botr_hEB3ir3W_a7GJFMMh_div"></div> </div> </div></div><h2 id="new-2026-capital-gains-tax-thresholds-2">New 2026 capital gains tax thresholds</h2><p>For 2026 (returns normally filed in early 2027), the long-term <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates">capital gains tax rates </a>remain at 0%, 15%, and 20%, but the income thresholds have shifted.</p><p>Remember that short-term capital gains (assets held for one year or less) are taxed at ordinary income tax rates, different from those for long-term capital gains.</p><p><em>For more information on capital gains rates, see </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates"><em>Capital Gains Tax Rates for 2025 and 2026.</em></a></p><p><strong>The new brackets are as follows:</strong></p><h2 class="article-body__section" id="section-0-rate"><span>0% Rate</span></h2><p><strong>Single filers:</strong> Up to $49,450</p><p><strong>Married filing jointly:</strong> Up to $98,900</p><p><strong>Married filing separately:</strong> Up to $49,450</p><p><strong>Head of household:</strong> Up to $66,200</p><h2 class="article-body__section" id="section-15-rate"><span>15% Rate</span></h2><p><strong>Single filers:</strong> $49,451 to $545,500</p><p><strong>Married filing jointly:</strong> $98,901 to $613,700</p><p><strong>Married filing separately:</strong> $49,451 to $306,850</p><p><strong>Head of household:</strong> $66,201 to $579,600</p><h2 class="article-body__section" id="section-20-rate"><span>20% Rate</span></h2><p><strong>Single filers:</strong> Over $545,500</p><p><strong>Married filing jointly: </strong>Over $613,700</p><p><strong>Married filing separately:</strong> Over $306,850</p><p><strong>Head of household:</strong> Over $579,600</p><h2 class="article-body__section" id="section-what-s-changed"><span>What's Changed</span></h2><h2 id="2026-vs-2025-capital-gains-thresholds-2">2026 vs. 2025 capital gains thresholds</h2><p>Compared to 2025, these new numbers reflect a modest inflation adjustment across all brackets and filing statuses. The changes are designed to provide some relief against "bracket creep." (<em>That's when inflation essentially pushes you into a higher tax bracket.</em>)</p><p>For instance, the 0% rate threshold for married couples filing jointly increases from $96,700 in 2025 to $98,900 in 2026. That means an additional $2,200 in income can be taxed at the 0% rate in 2026 rather than at higher rates.</p><p>Similarly, the 20% rate threshold increases by over $13,600 for married couples filing jointly (from $600,050 in 2025 to $613,700 in 2026). that potentially enables more income to be taxed at the lower 15% capital gains rate in 2026.</p><h2 id="how-to-benefit-from-the-0-capital-gains-rate-2">How to benefit from the 0% capital gains rate</h2><p>The new 0%<a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates"> capital gains rate </a>threshold for 2026 creates some opportunities for investors.</p><ul><li>For example, if your income varies yearly, you might consider realizing long-term capital gains in years when your total<a href="https://www.kiplinger.com/taxes/what-is-taxable-income"> taxable income</a> is below the 0% threshold.</li><li>That way, you could take advantage of the lower tax rate.</li><li>Also, depending on your situation, offsetting your capital gains with any losses you may have incurred (<a href="https://www.kiplinger.com/taxes/tax-planning/investment-strategists-steps-for-tax-loss-harvesting">tax loss harvesting</a>) could help.</li></ul><p>Whatever you do, evaluate all your projected income sources each year, not just<a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/capital-gains-tax/604943/what-is-capital-gains-tax"> capital gains.</a></p><h2 id="long-term-capital-gains-tax-bottom-line-2">Long-term capital gains tax: Bottom line</h2><p>As Kiplinger has reported, these capital gains tax income threshold adjustments come alongside annual inflation-adjusted changes to the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/new-tax-brackets-set">2026 federal income tax brackets</a>, the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/standard-deduction-2026-amounts-are-here">standard deduction for 2026</a> (which increases to $16,100 for individual filers and $32,200 for married filing jointly), and several other key tax provisions.</p><p>The various shifts offer several advantages, including having more income taxed at lower rates, providing a buffer against inflation, and allowing for additional tax planning opportunities in some cases.</p><p>But don’t forget state taxes on capital gains, which can impact overall tax liability.</p><p>And as always, consult a qualified and trusted<a data-analytics-id="inline-link" href="https://www.kiplinger.com/kiplinger-advisor-collective/looking-for-a-tax-professional-factors-to-consider"> tax professional</a> to help manage your capital gains tax liability.</p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/new-tax-rules-income-the-irs-wont-touch">New Tax Rules: Types of Income the IRS Won't Touch</a></li><li><a href="https://www.kiplinger.com/taxes/another-state-eliminates-capital-gains-tax">Another State Eliminates Capital Gains Tax in 2025: What's Next?</a></li><li><a href="https://www.kiplinger.com/taxes/states-with-low-and-no-capital-gains-tax">States With Low and No Capital Gains Taxes</a></li><li><a href="https://www.kiplinger.com/taxes/new-tax-brackets-set">New 2026 Tax Brackets Are Set</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/taxes/irs-updates-capital-gains-tax-thresholds</link> <description> <![CDATA[ The IRS has increased the capital gains tax income thresholds for 2026. You'll need this information to help minimize your tax burden. ]]> </description> <guid isPermaLink="false">84c4wvr2Fs285RW5jyn6UN</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/rkdQ6M8tXykydvCCe8tFEB-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 04 Nov 2025 15:17:00 +0000</pubDate> <category><![CDATA[Taxes]]></category> <category><![CDATA[Capital Gains Tax]]></category> <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rkdQ6M8tXykydvCCe8tFEB-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[rendering of thin blocks of increasing height with an upward arrow above indicating growth]]></media:text> <media:title type="plain"><![CDATA[rendering of thin blocks of increasing height with an upward arrow above indicating growth]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/rkdQ6M8tXykydvCCe8tFEB-1280-80.jpg" /> </item> <item> <title><![CDATA[ When to Hire a Tax Pro: The Age Most Americans Switch to a CPA ]]></title> <dc:content><![CDATA[ <p>Paying taxes may be the last thing on your mind as you head into a busy season of turkey, stuffing, and televised football. You may even feel tempted to hand over your income return to a professional before tax season begins. And according to a new survey, that’s not a surprise.</p><p>Market research company, <a data-analytics-id="inline-link" href="https://talkerresearch.com/tax-season-stress-most-americans-outsource-it-before-hitting-30/" target="_blank"><u>Talker Research</u></a>, recently found that, at a certain stage in life, more than a third of taxpayers are “happy to just let professionals handle their taxes for them,” citing that finances may get “too complicated the more you age.”*</p><p>Age aside, there are several circumstances when professional tax assistance could be beneficial, like when you’re trying to navigate complex rules surrounding foreign-earned income or cryptocurrency investments. Yet there are situations where you may not benefit from hiring a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-filing/how-to-find-a-tax-preparer-what-to-look-for-in-a-tax-professional"><u>tax preparer</u></a>. Here’s more of what to know.</p><p>*<em>The Talker Research survey was commissioned by </em><a data-analytics-id="inline-link" href="https://www.taxslayerpro.com/" target="_blank"><u><em>TaxSlayer Pro</em></u></a><em>, conducted online, and surveyed 2,000 U.S. taxpayers. </em></p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_hEB3ir3W_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="hEB3ir3W"> <div id="botr_hEB3ir3W_a7GJFMMh_div"></div> </div> </div></div><h2 id="when-to-hire-a-tax-professional-for-filing-taxes-2">When to hire a tax professional for filing taxes</h2><p>The Talker survey found that the “average American” turns to professional tax help by age 29 for a variety of reasons:</p><ul><li><strong>Investments.</strong> About 23% turn to professionals before 30 because they’ve begun investing.</li><li><strong>Bandwidth. </strong>Almost one-quarter of respondents say they don’t have the time to handle their own taxes.</li><li><strong>Life events.</strong> At least 20% of “younger” taxpayers look for a tax professional after getting married, and 15% opt for a tax preparer after buying a home.</li></ul><p>“For many Americans, big life milestones like getting married or buying a home can make filing taxes start to feel overwhelming,” said Richard Marshall, Director of Sales at TaxSlayer Pro, in the survey’s press release. <a data-analytics-id="inline-link" href="https://www.statista.com/chart/7031/americans-are-tying-the-knot-older-than-ever/#:~:text=Marriage&text=Americans%20are%20delaying%20(or%20putting,time%20job%20and%20financial%20independence.&text=This%20infographic%20shows%20the%20median,States%20from%201950%20to%202023." target="_blank"><u>Research shows</u></a> the average marriage age for men is around 30, and for women, 28. “...another motivator for people — especially this year — is when tax laws change.”</p><p>True, the big Trump/GOP tax and spending bill, also known as the “<a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/trump-tax-bill-summary"><u>big beautiful bill</u></a>,” made significant changes to tax provisions in 2025. Among other things, eligible taxpayers can now take an <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/new-gop-car-loan-tax-deduction"><u>interest loan deduction for some cars</u></a>, potentially claim a higher <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/salt-deduction-things-to-know"><u>deduction for state and local taxes</u></a>, and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/no-tax-on-tips-bill-approved"><u>deduct tips</u></a> and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/whats-happening-with-taxes-on-overtime-pay"><u>overtime pay</u></a> on their federal income returns.</p><p>But do concerns about missed opportunities justify hiring a tax professional? Well, that depends on whether you have a complicated tax situation, regardless of age.</p><h2 id="are-tax-preparers-worth-the-cost-2">Are tax preparers worth the cost?</h2><p>A tax preparer can be valuable when your financial situation is “complex.” Here are a couple of scenarios where attempting to manage your taxes without professional help could be complicated:</p><ul><li><strong>If you have several sources of income. </strong>Over 25% of Americans surveyed by Talker had multiple sources of income (this may include gig work, rental income, etc.). Several revenue streams can complicate the tax filing process, as different tax rules may apply to each additional source.</li><li><strong>If you own a business.</strong> Almost half of self-employed taxpayers surveyed said they have consulted with tax preparers about how to manage business taxes. Business tax laws can present significant compliance issues or unique record-keeping challenges compared to individual income tax returns.</li></ul><p>Tax compliance is a key issue when your income tax return is complicated. The <a data-analytics-id="inline-link" href="https://www.ncacpa.org/blog/the-eternal-question-what-are-a-taxpayers-chances-of-an-irs-audit/" target="_blank"><u>North Carolina Association of CPAs</u></a> found that an average IRS “mail” audit led to $6,000 in additional taxes for taxpayers. And in-person <a data-analytics-id="inline-link" href="https://www.irs.gov/" target="_blank"><u>IRS</u></a> audits averaged a whopping $21,000 to $22,000 in unexpected taxes.</p><p>Hiring a tax professional may help you avoid the risk of an IRS audit, thereby possibly saving you money. The cost of outsourcing your taxes fluctuates based on the number of hours your tax preparer spends and/or how many tax forms you need filed. The typical fee for a tax preparer, like a CPA, <a data-analytics-id="inline-link" href="https://connect.nsacct.org/blogs/nsa-blogger/2017/01/27/national-society-of-accountants-reports-on-average-tax-return-preparation-fees" target="_blank"><u>can range</u></a> from $200 to over $2,500 for one income return.</p><p>However, you should steer clear of a “one size fits all” approach. As reported by Kiplinger, less than 1% of all individual <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-returns/602068/irs-audit-red-flags"><u>tax returns have been audited</u></a> in recent years, so not everyone is at risk of a costly mistake. You may opt for software to file your taxes instead if your tax situation is simple. For instance, some taxpayers use IRS <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/ways-to-file-taxes-for-free"><u>Free File</u></a> each year, while millions were eligible for <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/irs-direct-file-what-it-is-how-it-works"><u>Direct File</u></a> last year.</p><h2 id="choosing-between-a-cpa-and-diy-tax-software-2">Choosing between a CPA and DIY tax software</h2><p>At least 60% of taxpayers surveyed by Talker said they still file their own taxes — so if you’re one of them, you're not alone. You may be able to skip the professional and do your own tax filing if you fall into at least two of the following categories:</p><ul><li><strong>Claim the standard deduction. </strong>IRS <a href="https://www.irs.gov/statistics/soi-tax-stats-tax-stats-at-a-glance" target="_blank"><u>data show</u></a> that about 90% of taxpayers choose the <a href="https://www.kiplinger.com/taxes/tax-deductions/602223/standard-deduction"><u>standard deduction</u></a> over itemizing. This means you wouldn’t use your itemized receipts for <a href="https://www.kiplinger.com/taxes/tax-deductions/what-to-know-about-medical-expenses-and-your-tax-deductions"><u>medical expenses</u></a>, <a href="https://www.kiplinger.com/taxes/tax-deductions/601993/charitable-tax-deductions-an-additional-reward-for-the-gift-of-giving"><u>charitable contributions</u></a>, etc., for income tax purposes.</li><li><strong>Only have one or two W-2s.</strong> Even if you’ve changed jobs in the last year, you may not need a professional’s help.<em> (But residing in two or more states might make your tax reporting more difficult.)</em></li><li><strong>You don’t have a business, rental properties, or tricky investment income.</strong> Significant or complex investments may warrant a tax professional’s help (e.g., cryptocurrency investing or investments that require you to pay <a href="https://www.kiplinger.com/taxes/what-is-net-investment-income-tax"><u>net investment income tax</u></a>).</li></ul><p>If you meet none or only one of these criteria, you may wish to consult a qualified tax preparer, like a CPA. But in reality, your comfort level with taxes and the complexity of your situation dictates whether you need a tax professional.</p><p><strong>Also, tax situations change. </strong>Reevaluate every year whether you would like a professional’s help. After all, more than half of do-it-yourself taxpayers from the Talker survey admitted they’d use a tax preparer if their situation got more complicated in the future. Although there’s no perfect “age” to hand over your taxes to a professional preparer, there’s certainly a perfect time to start tax planning: Now.</p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/types-of-nontaxable-income">Types of Income the IRS Doesn't Tax</a></li><li><a href="https://www.kiplinger.com/taxes/tax-brackets/602222/income-tax-brackets">2025 Tax Brackets and Federal Income Tax Rates</a></li><li><a href="https://www.kiplinger.com/taxes/tax-breaks-for-middle-class-families">Tax Breaks for Middle-Class Families Claiming the Standard Deduction</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/taxes/the-age-most-americans-hire-a-tax-professional</link> <description> <![CDATA[ Taxpayers may outsource their financial stress by a specific age. Find out when you should hire a tax preparer. ]]> </description> <guid isPermaLink="false">JKHuqtgGfbzKAMrpC7Amtm</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/hiL5gmRcSpFnH7xHqbRFWM-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 04 Nov 2025 14:37:00 +0000</pubDate> <category><![CDATA[Taxes]]></category> <category><![CDATA[Tax Planning]]></category> <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hiL5gmRcSpFnH7xHqbRFWM-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[birthday cupcake with a question mark candle]]></media:text> <media:title type="plain"><![CDATA[birthday cupcake with a question mark candle]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/hiL5gmRcSpFnH7xHqbRFWM-1280-80.jpg" /> </item> <item> <title><![CDATA[ Three Veterans Charities to Support As Charitable Season Starts ]]></title> <dc:content><![CDATA[ <p>As <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/steps-to-plan-your-charitable-giving">giving season</a> gets underway, you may be wondering how to contribute this year. Will you give the gift of your time on Giving Tuesday, which this year falls on December 2, or donate funds to a worthy cause, reaping <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-deductions/601993/charitable-tax-deductions-an-additional-reward-for-the-gift-of-giving">tax benefits</a> as you do so?</p><p>With around 1.8 million nonprofits in the U.S. vying for donations, it's can be hard to choose where to direct your cash for maximum impact. One sector you may have overlooked before now is support for veterans and their families.</p><p>Men and women who've <a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/saving/t065-s000-10-best-financial-benefits-for-military-families/index.html">served in the armed forces</a> experience post-traumatic stress disorder (PTSD), financial strain and homelessness at a higher rate than the general population. If you wish to help, consider donating to these top-rated organizations that support those who served in the military.</p><h2 id="a-note-on-donating-with-confidence-2">A note on donating with confidence</h2><p>Donating money is easier when you're safe in the knowledge it will be used effectively and make a real difference to people's lives. The organizations listed below have received an A rating from <a data-analytics-id="inline-link" href="https://www.charitywatch.org/" target="_blank">CharityWatch</a> — a group that rates charities based on their financial efficiency and other factors — and a score of 90% or higher from charity evaluating service <a data-analytics-id="inline-link" href="https://www.charitynavigator.org/" target="_blank">Charity Navigator</a>, which means they exceed or meet best practices and industry standards across almost all areas.</p><h2 id="homes-for-our-troops-2">Homes for Our Troops </h2><p><a data-analytics-id="inline-link" href="https://www.hfotusa.org/" target="_blank">Homes for Our Troops (HFOT) </a>builds and donates specially adapted homes for severely injured post-9/11 veterans. With 69 projects recently under way nationwide, HFOT has built 417 homes for severely injured veterans across the country.</p><p><strong>CharityWatch:</strong> A<br><strong>Charity Navigator:</strong> 98%</p><h2 id="iraq-and-afghanistan-veterans-of-america-2">Iraq and Afghanistan Veterans of America </h2><p><a data-analytics-id="inline-link" href="https://iava.org/" target="_blank">Iraq and Afghanistan Veterans of America </a>advocates for and supports post-9/11 veterans through policy initiatives, community building, and access to mental health and transition resources.</p><p>Since its start 20 years ago, the IAVA has fought to win passage of various legislation that supports veterans, including the Post-9/11 GI Bill, which expanded education benefits for veterans; the Deborah Sampson Act, which improved services for women veterans; and the PACT Act, which increased access to care for veterans exposed to toxic burn pits and other hazardous substances.</p><p><strong>CharityWatch:</strong> A–<br><strong>Charity Navigator:</strong> 100%</p><h2 id="semper-fi-america-s-fund-2">Semper Fi & America's Fund</h2><p><a data-analytics-id="inline-link" href="https://thefund.org/" target="_blank">Semper Fi & America's Fund</a> supports critically wounded, ill and injured service members, veterans and their families. The organization provides immediate financial assistance as well as ongoing services, such as help with career transitions.</p><p>It processes, on average, 170 grant requests each day, typically delivering assistance within 24 to 48 hours of receiving an emergency request, and within a week for nonurgent cases.</p><p><strong>CharityWatch:</strong> A+<br><strong>Charity Navigator:</strong> 100%</p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/steps-to-plan-your-charitable-giving">Six Steps to Plan Your Charitable Giving</a></li><li><a href="https://www.kiplinger.com/personal-finance/ways-to-optimize-your-charitable-giving-before-year-end">Ways to Optimize Your Charitable Giving Before Year-End</a></li><li><a href="Charitable Contributions: Five Frequently Asked Questions">Charitable Contributions: Five Frequently Asked Questions</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/charity/veterans-charities-to-support</link> <description> <![CDATA[ If you're looking for a worthwhile cause to support for Veterans Day and beyond, consider these three highly rated charities that support veterans and their families. ]]> </description> <guid isPermaLink="false">cdFA3Grmda4J8AX9dtg5o</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/7iU4htLDNc4AGdSqjNmGSY-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 04 Nov 2025 12:31:00 +0000</pubDate> <category><![CDATA[Charity]]></category> <category><![CDATA[Personal Finance]]></category> <author><![CDATA[ emma.patch@futurenet.com (Emma Patch) ]]></author> <dc:creator><![CDATA[ Emma Patch ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7iU4htLDNc4AGdSqjNmGSY-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A medical professional stands by while a recovering veteran walks on a treadmill.]]></media:text> <media:title type="plain"><![CDATA[A medical professional stands by while a recovering veteran walks on a treadmill.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/7iU4htLDNc4AGdSqjNmGSY-1280-80.jpg" /> </item> <item> <title><![CDATA[ Your Estate Plan Isn't 'Done' Until You've Completed These Five Steps, From an Estate Planning Attorney ]]></title> <dc:content><![CDATA[ <p><em>Editor's note: This is the fifth article in a step-by-step guide for getting your financial house in order. We've already brought you information on compiling your </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-create-your-personal-net-worth-statement"><em>net worth statement</em></a><em>, reviewing </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning-issues-you-should-never-overlook"><em>asset titling and beneficiary designations</em></a><em>, the importance of </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/power-of-attorney-an-estate-planning-attorneys-guide"><em>powers of attorney</em></a><em> and </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/an-attorneys-guide-to-your-evolving-estate-plan"><em>wills, trusts and related documents</em></a><em>. For October, we're addressing how to talk to your agents, beneficiaries and other relevant parties about their roles and responsibilities. </em></p><p>Getting your estate plan and financial house in order is a major accomplishment, but it doesn't end when the documents are signed.</p><p>One of the most important — and often overlooked — steps is making sure the right people know how to carry out your plan and your wishes.</p><p>Here are steps to ensure all relevant parties have the information to implement the plan you've created.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><h2 id="1-share-key-details-with-trusted-agents-2">1. Share key details with trusted agents</h2><p>Start by letting your <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/financial-power-of-attorney-mistakes-to-avoid">financial power of attorney</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/executor-steps-to-take-when-settling-an-estate">executor</a> or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/choosing-your-trustee-common-options">trustee</a> know that they've been named in your documents — and what their role entails.</p><p>If these include a spouse or close relative, consider sharing your personal net worth statement or at the very least, let them know where it's stored and how to access it.</p><p>Because of today's security protocols, it's also smart to provide them with the basics: your phone password and the answers to security questions, or how to access them in the future.</p><p>Without this, even simple financial tasks can become roadblocks.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="2-make-your-health-care-wishes-clear-2">2. Make your health care wishes clear</h2><p>It's important to have a thorough conversation about your personal wishes. Make sure your <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/power-of-attorney-types-which-is-right-for-you">health care power of attorney</a> (HCPOA) agent understands your preferences for medical treatment and end-of-life care so they can feel confident acting on your behalf.</p><p>That includes <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/advance-directive">directives about life-sustaining measures</a> — or the refusal of them.</p><p>If you anticipate family conflict, communicate your wishes broadly so there's no room for confusion or disputes later.</p><p>In addition, provide your HCPOA agent and close family with a current list of medications and dosages (a photo of your prescription bottles can work, too). Having this on hand can be invaluable in an emergency.</p><h2 id="3-write-a-letter-of-wishes-2">3. Write a letter of wishes</h2><p>Legal documents cover the essentials, but they don't capture everything. We highly recommend writing and passing along a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/letter-of-wishes-no-legal-power-but-still-powerful">letter of wishes</a> to your loved ones.</p><p>This letter might include information about how you'd like to be remembered and directions for your funeral or memorial services — the type of service you would like and any preferences related to donations, special readings or music selection.</p><p>It's also helpful to reiterate the instructions about cremation or burial you listed in your HCPOA. This guidance spares your family from uncertainty during an already difficult time and provides a roadmap for decision-making that helps ease the burden.</p><h2 id="4-decide-what-to-share-with-beneficiaries-and-when-2">4. Decide what to share with beneficiaries and when</h2><p>How much you tell beneficiaries depends on their age and circumstances. For younger children or grandchildren, you might not want to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/how-to-discuss-estate-planning-with-your-family">share information related to your estate plan</a>, but you can start by teaching them about <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/604578/why-financial-literacy-alone-will-always-fail">financial literacy</a>, educating them on the values of saving and, perhaps, explaining the basics of investing.</p><p>For adult beneficiaries, it can be useful to let them know whether they'll receive an inheritance outright or in trust so that they can plan their own financial futures with more confidence. If you are leaving assets to charity, sharing that information can also be helpful.</p><h2 id="5-communicate-with-professionals-2">5. Communicate with professionals</h2><p>While <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-talk-to-your-kids-about-family-wealth">family conversations</a> are crucial, it's just as important to communicate with your professional team. Make sure your estate planning attorney, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-find-a-financial-adviser">financial adviser</a> and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/cfp-vs-cpa-whats-the-difference">CPA</a> all know about updates to your plan so that taxes, investments and legal documents stay aligned.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>You'll also want to make sure they know who you've appointed as agents, safekeepers of documents, etc., along with their contact information. Keeping these professionals on the same page reduces the chance of oversights and confusion later.</p><h2 id="final-thoughts-on-reviewing-your-estate-plan-2">Final thoughts on reviewing your estate plan</h2><p>Taking the time to organize and review your finances and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning-documents-everyone-needs">critical estate planning documents</a> can create peace of mind for both you and your loved ones.</p><p>By breaking down the process into manageable steps and addressing key areas such as documenting your personal net worth, confirming asset titling, updating power of attorney instruments and revising will/trust documents, you can ensure that your plans reflect your current life circumstances and goals.</p><p>While you don't have to follow the exact plan outlined in our step-by-step series, you won't regret reviewing your documents and sharing information with trusted family members and agents, and they'll appreciate it.</p><p>The effort you put into this process now will create a lasting impact, offering both financial security and emotional reassurance for your family in the years ahead.</p><p>One last note — we often tell clients that estate planning is not called "Estate Done" for a reason; you should plan to repeat this same process every three to five years or after a significant life event.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/estate-planning/common-estate-planning-mistakes">Protect Your Family's Future: Avoid These 12 Common Estate Planning Mistakes</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/how-to-ensure-your-family-keeps-the-wealth-youve-built">I'm a Financial Adviser: You've Built Your Wealth, Now Make Sure Your Family Keeps It</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/a-financial-planners-guide-to-family-wealth-discussions">What Would You Like to Leave Behind? A Financial Planner's Guide to Family Wealth Discussions</a></li><li><a href="https://www.kiplinger.com/personal-finance/how-to-talk-to-your-kids-about-family-wealth">Resist the Taboo: Talk to Your Kids About Family Wealth</a></li><li><a href="https://www.kiplinger.com/kiplinger-advisor-collective/prepare-your-family-for-the-financial-and-legal-aftermath-of-your-death">Prepare Your Family for the Financial and Legal Aftermath of Your Death</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/estate-planning/your-estate-plan-isnt-done-until-youve-completed-these-steps</link> <description> <![CDATA[ Congratulations on getting your estate plan in order. Now, you need to communicate the relevant details to ensure your plan is effectively carried out. ]]> </description> <guid isPermaLink="false">osaxRvkVkLCquSoknMpTKU</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/n4ZXxE6cpUSCwcjYP8XwYW-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 04 Nov 2025 10:35:00 +0000</pubDate> <category><![CDATA[Estate Planning]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Inheritance]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <dc:creator><![CDATA[ Denise McClain, JD, CPA ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/n4ZXxE6cpUSCwcjYP8XwYW-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A multigenerational family on a hike through a field.]]></media:text> <media:title type="plain"><![CDATA[A multigenerational family on a hike through a field.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/n4ZXxE6cpUSCwcjYP8XwYW-1280-80.jpg" /> </item> <item> <title><![CDATA[ A Nightmare for Parents: How to Navigate the Legal Boundaries of Tenant Rights During a Family Crisis ]]></title> <dc:content><![CDATA[ <p>There is a great benefit in having a family doctor and lawyer who build strong, lasting relationships, often with several generations of the same family.</p><p>The result is more personalized, effective health care and prompt access to legal representation.</p><p>However, there is one particular upsetting frustration that can be a matter of life or death — or the result can be seeing your nervous client walk into the office holding a lawsuit they were just served with.</p><p>The frustration? A delayed heads-up that something is amiss. For example, a patient who waits for months before saying, "Doc, I think something's not right."</p><p>Or the client who admits to having taken the law into their own hands — months ago —<em> </em>and is worried about the expensive consequences.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><h2 id="what-s-going-on-2">What's going on?</h2><p>Plumbing contractors "Kevin" and "Julie" have been our clients for over 30 years. With one exception, they have bounced any significant legal decision off of us. That exception happens when issues with their children — all adults — cause their blood to boil.</p><p>On a recent Saturday morning, they called. Agitated, Kevin explained, "Our daughter, 'Sandy,' and her jerk of a husband, 'Seth,' rented an apartment located in the rear of our house.</p><p>Both are on the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/601083/kids-moving-back-home-time-to-write-up-a-lease">rental agreement</a>. They recently separated, but he briefly returned a few days ago to grab some of his things.</p><p>"We knew that he had a temper. However, today Sandy admitted he has been physically abusive, and she has a black eye to prove it. She is terrified of him returning."</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_v6I2nWbb_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="v6I2nWbb"> <div id="botr_v6I2nWbb_a7GJFMMh_div"></div> </div> </div></div><p>Julie, in a trembling voice, added, "This creep just called us — he was clearly under the influence of something — and said that he was going to take half of everything we own, even though his name is nowhere on anything proving ownership, and he never once contributed money toward the property. Can he do that?"</p><p>I replied, "Not likely, but something tells me there is more to this, so tell me what's going on now?"</p><h2 id="a-threatening-phone-call-2">A threatening phone call</h2><p>Kevin then played the recording of a phone call he had with Seth:</p><p>"I am recording this conversation, Seth."</p><p>"I don't care what you are recording."</p><p>"Stay away from Sandy and never set foot on our property, including the apartment, or you will regret it."</p><p>"I am a paying tenant," Seth yelled, "and I'm coming over now with some muscle! We are taking Sandy away from you creeps. Try to stop me, and <em>you</em><em><strong> </strong></em>will regret it."</p><p>"What should we do?" Sandy's frightened parents asked.</p><p>In a calm tone of voice, I explained, "Normally, you would have the right to exclude anyone from your property who is not a current tenant or who poses a threat.</p><p>"But your daughter and Seth have both rented the rear house. If Seth is still a legal resident, then you cannot bar him from accessing the rental unit unless there is a restraining order or eviction judgment against him."</p><p>I further explained that attempting to evict him could be seen as a form of unlawful <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/constructive-eviction-when-youre-evicted-through-no-fault-of-your-own">eviction</a> or interference with his tenancy rights.</p><p>However, if he has moved out, and there is evidence of him having relinquished the tenancy, this would be a strong argument in favor of barring him from entry, especially if Sandy is now the only tenant and his presence is threatening to her and, apparently, both Kevin and Julie.</p><h2 id="time-to-call-law-enforcement-2">Time to call law enforcement</h2><p>Given the threat of "coming over with muscle," this is the time for Sandy and her parents to immediately contact law enforcement.</p><p>In all states, while the exact terminology will be somewhat different, a law enforcement officer can request an emergency protective order (EPO) from a judge, which is typically available 24/7 in most jurisdictions.</p><p>The purpose of an EPO is to prevent future domestic violence/abuse, child abuse, abduction, stalking or abuse against an older person or dependent adult. An EPO can order the defendant to:</p><ul><li>Not contact people covered by the order</li><li>Not harass, stalk, threaten or cause harm and stay a certain distance away from where they live, work or visit regularly</li><li>Move out of a home that is shared with the protected person</li><li>Not have guns, firearms and ammunition or body armor</li></ul><p>Most family law attorneys would maintain that in this situation, the EPO would require a landlord to exclude the named defendant.</p><p>Also, some states allow landlords to change locks and take other safety measures for tenants who are victims of domestic violence, even without a court order.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>An EPO is served on a defendant in person by a law enforcement officer and typically is effective for five to seven days.</p><p>If the person needs protection that lasts longer or wants to ask for other orders, they can apply for a restraining order.<strong> </strong></p><h2 id="insight-from-a-family-law-mediator-2">Insight from a family law mediator</h2><p>I ran this situation by <a data-analytics-id="inline-link" href="https://sandiegofamilylawyer.net/attorney-scott-levin-scott-f-levin/" target="_blank">Scott Levin</a>, a friend of this column and in his 20th year of practicing family law, with a focus on mediation, in San Diego.</p><p>"I've had clients who own their homes and later allow a boyfriend to move in. When the relationship ends, they're surprised to learn that renter protections can apply even without a lease or rent payments.</p><p>"Once someone lives there with permission, landlord/tenant law in many states gives them occupancy rights, and self-help eviction — like changing locks or tossing belongings — isn't allowed.</p><p>"The best outcomes come from negotiation, not confrontation. A negotiated settlement can lead to a peaceful move-out and fair resolution, preserving dignity on both sides."</p><p><a data-analytics-id="inline-link" href="https://sandiegofamilylawyer.net/" target="_blank">Levin's website</a> features useful tips on dealing with several of life's most challenging situations.</p><p><em><strong>If you feel you may be a victim of abuse, reach out to the National Relationship Abuse Hotline at 800-799-7233. You can also visit their </strong></em><a data-analytics-id="inline-link" href="https://www.thehotline.org/" target="_blank"><em><strong>website</strong></em></a><em><strong>.</strong></em></p><p><em>Dennis Beaver practices law in Bakersfield, Calif., and welcomes comments and questions from readers, which may be faxed to (661) 323-7993, or e-mailed to </em><a data-analytics-id="inline-link" href="mailto:Lagombeaver1@gmail.com" target="_blank"><em>Lagombeaver1@gmail.com</em></a><em>. And be sure to visit </em><a data-analytics-id="inline-link" href="https://dennisbeaver.com/" target="_blank"><em>dennisbeaver.com</em></a><em>.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/why-older-adults-should-think-twice-about-being-landlords">A Cautionary Tale: Why Older Adults Should Think Twice About Being Landlords</a></li><li><a href="https://www.kiplinger.com/real-estate/real-estate-investing/602913/how-to-fail-as-a-landlord">How to Fail as a Landlord</a></li><li><a href="https://www.kiplinger.com/real-estate/costs-landlords-underestimate-when-setting-expectations">Seven Costs Landlords Underestimate When Setting Expectations</a></li><li><a href="https://www.kiplinger.com/real-estate/delaware-statutory-trust-landlords-exit-many-cpas-dont-know">Delaware Statutory Trust: The Landlord's Exit Many CPAs Don't Know Exists</a></li><li><a href="https://www.kiplinger.com/retirement/should-i-sell-or-rent-my-house-when-i-relocate-for-retirement">Should I Sell or Rent My House When I Relocate for Retirement?</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/how-to-navigate-the-legal-boundaries-of-tenant-rights-during-a-family-crisis</link> <description> <![CDATA[ This family's story illustrates how important it is to get help sooner rather than later and highlights the complexities of tenant rights and legal protections. ]]> </description> <guid isPermaLink="false">tSzCDT2uc9SP3M5KRneJMT</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/WYoNFpKLsd4TuVbgTMoypM-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 04 Nov 2025 10:30:00 +0000</pubDate> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <dc:creator><![CDATA[ H. Dennis Beaver, Esq. ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WYoNFpKLsd4TuVbgTMoypM-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[An older couple looking stressed console each other.]]></media:text> <media:title type="plain"><![CDATA[An older couple looking stressed console each other.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/WYoNFpKLsd4TuVbgTMoypM-1280-80.jpg" /> </item> <item> <title><![CDATA[ Amazon Surge Sends S&P 500, Nasdaq Higher to Start November: Stock Market Today ]]></title> <dc:content><![CDATA[ <p>It was a choppy start to November as market participants looked ahead to a busy week of earnings reports and little sign that the government shutdown will end anytime soon. However, two of the three main indexes closed higher as <strong>Amazon.com</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=AMZN" target="_blank">AMZN</a>) kept climbing.</p><p>At the close, the <strong>S&P 500</strong> was up 0.2% at 6,851 and the <strong>Nasdaq Composite</strong> had added 0.5% to 23,834. The <strong>Dow Jones Industrial Average</strong>, however, was down 0.5% at 47,336.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-market-overview.js" async>{"source":"marketOverview","id":"ebc268ae-5ca5-40d4-a4c8-fd2fcb86d61b","colorTheme":"light","dateRange":"12M","showChart":true,"locale":"en","largeChartUrl":"","isTransparent":false,"showSymbolLogo":true,"showFloatingTooltip":false,"width":"400","height":"550","plotLineColorGrowing":"rgba(41, 98, 255, 1)","plotLineColorFalling":"rgba(41, 98, 255, 1)","gridLineColor":"rgba(240, 243, 250, 0)","scaleFontColor":"rgba(19, 23, 34, 1)","belowLineFillColorGrowing":"rgba(41, 98, 255, 0.12)","belowLineFillColorFalling":"rgba(41, 98, 255, 0.12)","belowLineFillColorGrowingBottom":"rgba(41, 98, 255, 0)","belowLineFillColorFallingBottom":"rgba(41, 98, 255, 0)","symbolActiveColor":"rgba(41, 98, 255, 0.12)","tabs":[{"title":"Indices","originalTitle":"Indices","symbols":[{"d":"S&P 500 Index","s":"FOREXCOM:SPXUSD"},{"d":"Dow Jones Industrial Average Index","s":"FOREXCOM:DJI"},{"d":"Nasdaq Composite","s":"NASDAQ:IXIC"}]},{"title":"Futures","originalTitle":"Futures","symbols":[{"d":"S&P 500","s":"CME_MINI:ES1!"},{"d":"Euro","s":"CME:6E1!"},{"d":"Gold","s":"COMEX:GC1!"},{"d":"WTI Crude Oil","s":"NYMEX:CL1!"},{"d":"Gas","s":"NYMEX:NG1!"},{"d":"Corn","s":"CBOT:ZC1!"}]},{"title":"Bonds","originalTitle":"Bonds","symbols":[{"d":"T-Bond","s":"CBOT:ZB1!"},{"d":"Ultra T-Bond","s":"CBOT:UB1!"},{"d":"Euro Bund","s":"EUREX:FGBL1!"},{"d":"Euro BTP","s":"EUREX:FBTP1!"},{"d":"Euro BOBL","s":"EUREX:FGBM1!"}]},{"title":"Forex","originalTitle":"Forex","symbols":[{"d":"EUR to USD","s":"FX:EURUSD"},{"d":"GBP to USD","s":"FX:GBPUSD"},{"d":"USD to JPY","s":"FX:USDJPY"},{"d":"USD to CHF","s":"FX:USDCHF"},{"d":"AUD to USD","s":"FX:AUDUSD"},{"d":"USD to CAD","s":"FX:USDCAD"}]}],"realType":"embed"}</script></div><p>The next several sessions feature an onslaught of corporate earnings reports, with big data analytics firm <strong>Palantir Technologies</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=PLTR" target="_blank">PLTR</a>) included in the lineup. PLTR stock rose 3.4% ahead of its third-quarter results, due after Monday's close, bringing its year-to-date return to 174%.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"13d4ec15-c249-4e44-81cf-064f4c25e27e","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:PLTR","realType":"embed"}</script></div><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>While impressive, it's actually <strong>Robinhood Markets</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=HOOD" target="_blank">HOOD</a>) that's the best S&P 500 stock of the year, up 295% so far. The online trading platform will take its place on the earnings stage after Wednesday's close.</p><p>Robinhood released September metrics that showed solid growth across the platform, which has Needham analyst <a data-analytics-id="inline-link" href="https://www.needhamco.com/team/john-todaro/" target="_blank"><u>John Todaro</u></a> forecasting above-consensus earnings of 60 cents per share on revenue of $1.27 billion.</p><p>"We remain impressed with HOOD's product expansion, and we see additional opportunities in banking, futures, tokenized RWA & prediction markets," says Todaro, adding that he believes HOOD is "the farthest along" among financial services platforms to "becoming a 'one-stop shop.'"</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"278e42b2-c260-484b-8eee-4237dacfe6dd","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"hood","realType":"embed"}</script></div><h2 id="amazon-inks-a-38-billion-deal-with-openai-2">Amazon inks a $38 billion deal with OpenAI</h2><p>Amazon jumped 4% – making it the best <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/602319/all-30-dow-jones-stocks-ranked-the-pros-weigh-in"><u>Dow Jones stock</u></a> Monday – after OpenAI agreed to buy $38 billion worth of capacity from the company's Amazon Web Services cloud segment.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"1bb45250-2795-4b13-b2e4-72370005617c","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"amzn","realType":"embed"}</script></div><p>According to the <a data-analytics-id="inline-link" href="https://www.aboutamazon.com/news/aws/aws-open-ai-workloads-compute-infrastructure" target="_blank"><u>press release</u></a>, OpenAI will utilize "hundreds of thousands of state-of-the-art" <strong>Nvidia</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NVDA" target="_blank">NVDA</a>, +2.2%) artificial intelligence (AI) chips to run its workloads, "with the ability to expand to tens of millions of CPUs to rapidly scale agentic workloads."</p><p>"Scaling frontier AI requires massive, reliable compute," said OpenAI co-founder and CEO Sam Altman. "Our partnership with AWS strengthens the broad compute ecosystem that will power this next era and bring advanced AI to everyone."</p><p>The partnership comes on the heels of Amazon's <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/stocks-close-out-strong-month-with-solid-amazon-earnings-stock-market-today"><u>blowout third-quarter earnings report</u></a>, which sent the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/605147/hedge-funds-top-blue-chip-stocks-to-buy-now"><u>blue chip stock</u></a> up nearly 10% on Friday.</p><h2 id="kenvue-pops-on-40-billion-buyout-bid-2">Kenvue pops on $40 billion buyout bid</h2><p><strong>Kenvue</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=KVUE" target="_blank">KVUE</a>) soared 12.3% after <strong>Kimberly-Clark</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=KMB" target="_blank">KMB</a>) agreed to buy the consumer products company, which was spun off from <strong>Johnson & Johnson</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=JNJ" target="_blank">JNJ</a>) in 2023, for $40 billion in cash and stock. KMB, meanwhile, slumped 14.6% to close at its lowest level since mid-2018.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"8b546574-0d70-43a5-bee2-e8a287199cd5","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:KVUE","realType":"embed"}</script></div><p>"The proposed Kimberly-Clark acquisition offers immediate value of $3.50 cash per share plus participation in a larger health and wellness leader," says CFRA Research analyst <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/mcguinnessana" target="_blank"><u>Ana Garcia</u></a>, who has a Buy rating on Kenvue.</p><p>It's been a tough few months for KVUE stock after President Donald Trump and Health and Human Services Secretary Robert F. Kennedy, Jr., suggested in late September that there is a link between pregnant women taking products with acetaminophen, such as Kenvue's Tylenol, and a child developing autism.</p><p>And while Kennedy said in late October that there is not "sufficient" evidence to support that claim, KVUE stock was still down more than 30% in the past three months heading into today's session.</p><h2 id="factory-activity-cooled-in-october-2">Factory activity cooled in October</h2><p>This week's <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/economy/this-weeks-economic-calendar"><u>economic calendar</u></a> features several key updates, though it's likely the October jobs report – initially scheduled for release ahead of Friday's open – will be delayed amid the ongoing government shutdown.</p><p>This makes Wednesday morning's ADP National Employment Report a key event that we're watching. Wednesday also marks when the Supreme Court will begin hearing oral arguments on the legality of President <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/whats-happening-with-trump-tariffs"><u>Trump's tariff policies</u></a>.</p><p>Today, the Institute for Supply Management (<a data-analytics-id="inline-link" href="https://www.ismworld.org/supply-management-news-and-reports/reports/ism-pmi-reports/pmi/october/" target="_blank"><u>ISM</u></a>) said its Manufacturing Purchasing Managers Index (PMI) fell to 48.7 in October from September's reading of 49.1. This marks the eighth straight month that factory activity has contracted, as indicated by a reading below 50.</p><p>"U.S. manufacturing has been in contraction mode for most of this year, with tariffs getting much of the blame, according to respondents in the survey," says <a data-analytics-id="inline-link" href="https://economics.bmo.com/en/our-economists/economist-details/50/" target="_blank"><u>Priscilla Thiagamoorthy</u></a>, senior economist at BMO Capital Markets. "Weakness in the factory sector is expected to persist, even as the broader economy continues to expand."</p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/stocks/what-netflix-stocks-10-for-1-split-means-for-investors">What Netflix Stock's 10-for-1 Split Means for Investors</a></li><li><a href="https://www.kiplinger.com/investing/stocks/17494/next-week-earnings-calendar-stocks">Earnings Calendar and Analysis for November 3-7</a></li><li><a href="https://www.kiplinger.com/investing/1000-invested-home-depot-stock-worth-how-much-now">If You'd Put $1,000 Into Home Depot Stock 20 Years Ago, Here's What You'd Have Today</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/amazon-surge-sends-sp500-nasdaq-higher-stock-market-today</link> <description> <![CDATA[ Amazon inked a $38 billion cloud deal with OpenAI, which sent the stock to the top of the Dow Jones on Monday. ]]> </description> <guid isPermaLink="false">TeLBtFU63fMFr8pNSyZbWo</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/2BHQ5HxQYmv9ruxyTNPEuQ-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Mon, 03 Nov 2025 21:10:13 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <author><![CDATA[ karee.venema@futurenet.com (Karee Venema) ]]></author> <dc:creator><![CDATA[ Karee Venema ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2BHQ5HxQYmv9ruxyTNPEuQ-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[closeup of stock market chart with teal, red and green moving averages]]></media:text> <media:title type="plain"><![CDATA[closeup of stock market chart with teal, red and green moving averages]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/2BHQ5HxQYmv9ruxyTNPEuQ-1280-80.jpg" /> </item> <item> <title><![CDATA[ If You'd Put $1,000 Into Home Depot Stock 20 Years Ago, Here's What You'd Have Today ]]></title> <dc:content><![CDATA[ <p><strong>Home Depot</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=HD" target="_blank">HD</a>) stock has been a terrific buy-and-hold bet for truly long-term shareholders. Thanks to a history of innovation and adaptation, the nation's largest home improvement retailer has managed to stay on top through both economic ups and downs and technological disruptions.</p><p>Back in the day, hardware stores, be they mom-and-pop shops or regional chains, had relatively modest retail formats. That made it hard for them to service both professional contractors and do-it-yourselfers (DIY) at scale.</p><p>That's where Home Depot saw an opportunity. Founded in the late 1970s, the company reimagined hardware stores for the big-box age. Sprawling warehouse-style locations would not only be able to offer one-stop shopping for consumers and contractors alike, but they would be able to leverage scale into fatter margins and greater profitability.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>Home Depot expanded rapidly over the 1980s and 1990s to overtake all rivals. By the beginning of the 21st century, the national chain started expanding overseas. Price, convenience and clever marketing – such as offering do-it-yourself clinics and classes for homeowners – made it the No. 1 brand in home improvement.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"e7236a69-2b78-4151-87b5-7738566b894b","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:HD","realType":"embed"}</script></div><p>Home Depot, which was added to the Dow Jones Industrial Average in 1999, was just getting started. A company with a bit more than $50 billion in annual revenue was growing its top line at a double-digit percent rate. Gross margins of more than 30% and operating margins of around 15% led to impressive profits – and free cash flows.</p><p>Naturally, the company had its ups and downs. It rode the benefits of the housing boom – and suffered during the bust. As a brick-and-mortar retailer, it had to roll out a digital strategy for the e-commerce age. And while business took off during the pandemic, the past few years of pricey homes and higher <a data-analytics-id="inline-link" href="https://www.kiplinger.com/real-estate/mortgages/30-year-mortgage-rates">mortgage rates</a> have been a headwind for HD.</p><p>Nevertheless, this <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/605147/hedge-funds-top-blue-chip-stocks-to-buy-now">blue chip stock</a> has managed to deliver market-beating returns over the long haul.</p><h2 id="the-bottom-line-on-home-depot-stock-2">The bottom line on Home Depot stock</h2><p>As noted above, higher rates and the ongoing <a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/investing/t038-s001-recessions-10-facts-you-must-know/index.html">recession</a> in the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/housing">housing market</a> haven't been great for HD stock. Shares trail the S&P 500 on an annualized total return basis over the past one-, three- and five-year periods. As for the past decade, it's been a draw.</p><p>But anyone who's been in the stock longer than that has enjoyed strong outperformance. For its entire life as a publicly traded company, HD generated an annualized total return (price change plus dividends) of 17.8%. That beats the broader market by 7 percentage points.</p><p>And as for anyone who plonked down a thousand bucks two decades ago, have a look at the chart below.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2000px;"><p class="vanilla-image-block" style="padding-top:65.80%;"><img id="fKWrnCGHpqjiSPhUeNz8dR" name="HD_SPXTR_chart5" alt="hd stock" src="https://cdn.mos.cms.futurecdn.net/fKWrnCGHpqjiSPhUeNz8dR.jpg" mos="" align="middle" fullscreen="" width="2000" height="1316" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: <a href="https://ycharts.com/" target="_blank">YCharts</a>)</span></figcaption></figure><p>If you'd put $1,000 into Home Depot stock 20 years ago, today it would be worth more than $15,000 – good for an annualized total return of 14.6%.</p><p>The same amount invested in an <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/etfs/603260/sp-500-etfs">S&P 500 ETF</a> would theoretically be worth about $8,300 today, or an annualized total return of 11.2%.</p><p>That's a great buy-and-hold bet. Happily for bulls, Wall Street expects more outperformance ahead.</p><p>Of the 37 analysts covering HD surveyed by <a data-analytics-id="inline-link" href="https://www.spglobal.com/market-intelligence/en" target="_blank"><u>S&P Global Market Intelligence</u></a>, 21 rate it at Strong Buy, four say Buy, 11 have it at Hold and one calls it a Sell. That works out to a consensus recommendation of Buy, with high conviction.</p><p>"We believe HD's customers are financially healthy and have significant capacity for future spending," writes Argus Research analyst <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/christopher-graja-cfa-b896549" target="_blank"><u>Christopher Graja</u></a>, who rates shares at Buy. "HD estimates that there are 'literally trillions' of dollars of home equity that might eventually be tapped for home renovations."</p><p>HD is also a great stock for <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/dividend-stocks/best-dividend-stocks-you-can-count-on"><u>dependable dividend growth</u></a>. Indeed, the company has hiked its payout annually for 16 years. Moreover, HD's dividend has grown at a compound annual rate of 9% over the past five years.</p><h3 class="article-body__section" id="section-more-stocks-of-the-past-20-years"><span>More Stocks of the Past 20 Years</span></h3><ul><li><a href="https://www.kiplinger.com/investing/1000-invested-oracle-orcl-stock-worth-how-much-now">If You'd Put $1,000 Into Oracle Stock 20 Years Ago, Here's What You'd Have Today</a></li><li><a href="https://www.kiplinger.com/investing/berkshire-hathaway-brk-b-stock-1000-investment-20-years-ago">If You'd Put $1,000 Into Berkshire Hathaway Stock 20 Years Ago, Here's What You'd Have Today</a></li><li><a href="https://www.kiplinger.com/investing/stocks/invested-1000-in-apple-stock-worth-how-much-now">If You'd Put $1,000 Into Apple Stock 20 Years Ago, Here's What You'd Have Today</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/1000-invested-home-depot-stock-worth-how-much-now</link> <description> <![CDATA[ Home Depot stock has been a buy-and-hold banger for truly long-term investors. ]]> </description> <guid isPermaLink="false">s2582RQtC5onXFi4y8xtPV</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/biz63amzLfVhoSZ5ptwJyW-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Mon, 03 Nov 2025 13:44:16 +0000</pubDate> <category><![CDATA[Investing]]></category> <author><![CDATA[ dan.burrows@futurenet.com (Dan Burrows) ]]></author> <dc:creator><![CDATA[ Dan Burrows ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/biz63amzLfVhoSZ5ptwJyW-1280-80.jpg"> <media:credit><![CDATA[Ting Shen/Bloomberg via Getty Images]]></media:credit> <media:text><![CDATA[The outside of a Home Depot store in Washington DC]]></media:text> <media:title type="plain"><![CDATA[The outside of a Home Depot store in Washington DC]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/biz63amzLfVhoSZ5ptwJyW-1280-80.jpg" /> </item> <item> <title><![CDATA[ I Need to Free Up $1,000 in My Monthly Budget, and I've Already Given Up Starbucks and Dining Out. What Else Can I Do? ]]></title> <dc:content><![CDATA[ <p><strong>Question</strong>: I need to free up $1,000 in my monthly budget, and I've already given up Starbucks and dining out. What else can I do?</p><p><strong>Answer: </strong>There are many ways to trim your budget, even if you think you've already cut out all the extra expenses. The key is for people to "treat their budget as if they were <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/you-may-not-want-to-downsize-in-retirement-heres-why">downsizing their home</a>," according to Million Dollar Round Table member and personal finance expert <a data-analytics-id="inline-link" href="https://agents.allstate.com/roy-lederman-carmel-in.html" target="_blank">Roy Lederman</a>. You'll need to eliminate some items altogether and find creative ways to live comfortably with less.</p><p>I've listed some ideas below of where you could find savings in your own budget, including ballpark estimates of how much each option could save. Some strategies are more dramatic lifestyle changes (like <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/should-you-give-up-a-car-in-retirement">giving up a car</a>), while others are clever financial tweaks that can shave your expenses without you even noticing a change in your lifestyle.</p><h3 class="article-body__section" id="section-groceries-cut-242-per-month"><span>Groceries: Cut $242 per month</span></h3><p>An average four-person household in the United States wastes $56 per week on food that ends up going uneaten, according to the <a data-analytics-id="inline-link" href="https://www.epa.gov/system/files/documents/2025-04/costoffoodwastereport_508.pdf" target="_blank">Environmental Protection Agency</a> (EPA). So, eliminating that wasted food could save you about $242 per month.</p><p>Here are some tips to do that:</p><ul><li>Plan meals with overlapping ingredients to take advantage of sales, coupons and bulk pricing.</li><li>If you struggle with impulse buying, use curbside pickup or make fewer (but larger) shopping trips each month.</li><li>On days you aren't able to cook a meal as planned, store the ingredients in the freezer to buy yourself more time to use them.</li><li>Join your grocery store's free loyalty program (if available) to get exclusive coupons and early notice about sales and deals. You can use that to guide your meal planning.</li></ul><p>You can claw back even more out of your grocery (and gas) budget by using the right <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/credit-cards/cash-back-credit-cards/605234/best-cash-back-credit-cards">cash back credit card</a>. My current setup includes the American Express Blue Cash Preferred card and the Costco Anywhere Visa.</p><p>The former nets me 6% back on groceries (but can't be used at Costco). The latter earns 2% on Costco purchases and 5% on Costco gas. All told, I earn about $50 every month in cash-back on gas and groceries alone for a household of two. For larger households, the savings could easily run higher.</p><p>The key to making this strategy work is sticking to a grocery budget even though you're using credit, so you can pay it off in full before you're charged interest.</p><div class="product star-deal"><a data-dimension112="ea5f5b90-d272-4a84-acee-164b38e37333" data-action="Star Deal Block" data-label="disclosure" data-dimension48="disclosure" href="https://oc.brcclx.com/t?lid=26759011&tid=https://www.kiplinger.com/personal-finance/how-to-save-money/how-to-cut-1000-from-monthly-budget" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="WHCaNVgW7h4fghVAsk9zvh" name="GettyImages-1087353070" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/WHCaNVgW7h4fghVAsk9zvh.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><p>Earning cash back on every grocery trip can help put a little of that money back in your pocket. See Kiplinger's top credit card picks for online shopping, powered by Bankrate. Advertising <a href="https://www.kiplinger.com/content-funding-on-kiplinger" target="_blank" data-dimension112="ea5f5b90-d272-4a84-acee-164b38e37333" data-action="Star Deal Block" data-label="disclosure" data-dimension48="disclosure" data-dimension25="">disclosure</a>. </p><p><a href="https://oc.brcclx.com/t?lid=26759011&tid=https://www.kiplinger.com/personal-finance/how-to-save-money/how-to-cut-1000-from-monthly-budget" target="_blank" rel="nofollow"><strong>View Offers</strong></a></p></div><h3 class="article-body__section" id="section-streaming-cut-50-per-month"><span>Streaming: Cut $50 per month</span></h3><p>On average, Americans spend <a data-analytics-id="inline-link" href="https://www.tomsguide.com/entertainment/streaming/the-average-person-spends-usd50-a-month-on-streaming-services-heres-what-id-get-for-that-money" target="_blank">$50 per month</a> on streaming services. But with a little creativity, you could cut that to nearly zero without giving up streaming altogether.</p><p>Some credit cards offer generous streaming credits. You should also check your mobile carrier, internet provider and shopping memberships for offers.</p><p>For example, T-Mobile offers a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/deals/get-netflix-hulu-and-apple-tv-plus-for-free-at-t-mobile">free Netflix, Hulu and Apple TV+ bundle</a> with select mobile plans. <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/online-shopping/is-walmart-plus-worth-it">Walmart+</a> also offers a free subscription to Paramount+ or Peacock. You can alternate between them every couple of months to get both for free.</p><p>Another trick to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-save-money/family-savings/601268/a-guide-to-streaming-services">save on streaming</a> is taking advantage of seasonal subscription deals. Back in May, Peacock was offering a full year of the subscription for $24.99. At the same time, my Delta Skymiles Platinum American Express card was offering a one-time $7.99 statement credit if I used that card to pay for a Peacock subscription.</p><p>I was able to take advantage of both offers at once and am now enjoying a full year of Peacock for just $17 – a savings of $63 for the year. Black Friday is just around the corner and many streaming services offer juicy deals around that time.</p><div class="product star-deal"><a data-dimension112="d9f7dbd6-2623-428e-844d-a6cca9020a32" data-action="Star Deal Block" data-label="disclosure" data-dimension48="disclosure" href="https://oc.brcclx.com/t?lid=26759008&tid=https://www.kiplinger.com/personal-finance/how-to-save-money/how-to-cut-1000-from-monthly-budget" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="YpaSHSsR2xWEpCXj8hAT2a" name="GettyImages-2101122136.jpg" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/YpaSHSsR2xWEpCXj8hAT2a.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><p>With the right card in your wallet, you can easily stream for free (or cheap). Compare Kiplinger's top credit cards with the most generous streaming perks, powered by Bankrate. Advertising <a href="https://www.kiplinger.com/content-funding-on-kiplinger" target="_blank" data-dimension112="d9f7dbd6-2623-428e-844d-a6cca9020a32" data-action="Star Deal Block" data-label="disclosure" data-dimension48="disclosure" data-dimension25="">disclosure</a>. </p><p><a href="https://oc.brcclx.com/t?lid=26759008&tid=https://www.kiplinger.com/personal-finance/how-to-save-money/how-to-cut-1000-from-monthly-budget" target="_blank" rel="nofollow"><strong>View Offers</strong></a></p></div><h3 class="article-body__section" id="section-utilities-cut-122-per-month"><span>Utilities: Cut $122 per month</span></h3><p>To get to that $122 in savings, I relied on a few averages: American households spend about $143 per month on electricity (<a data-analytics-id="inline-link" href="https://www.eia.gov/electricity/sales_revenue_price/pdf/table_5A.pdf" target="_blank">Energy Information Administration</a>), $80 on gas (<a data-analytics-id="inline-link" href="https://www.aga.org/wp-content/uploads/2023/01/Table9-5.pdf" target="_blank">American Gas Association</a>) and $83 on water (the <a data-analytics-id="inline-link" href="https://www.epa.gov/watersense/statistics-and-facts" target="_blank">EPA</a>). Lastly, a <a data-analytics-id="inline-link" href="https://www.cnet.com/home/internet/americans-are-paying-78-monthly-for-internet-on-average-heres-what-to-do-if-your-bill-is-too-high/" target="_blank">CNET analysis</a> estimates U.S. households spend about $78 per month on internet.</p><p>Here are some tips to lower each of those bills:</p><ul><li>The EPA provides easy tips that can <a href="https://www.epa.gov/watersense/statistics-and-facts" target="_blank">cut your water bill</a> by about $31 per month.</li><li>The Department of Energy put together <a href="https://www.energy.gov/sites/prod/files/2013/06/f2/energy_savers.pdf" target="_blank">this guide</a> to help homeowners cut energy bills (lectricity and gas) by about 25%. At Kiplinger, we also have this guide with <a href="https://www.kiplinger.com/personal-finance/ways-to-cut-your-energy-bill">18 ways to cut your energy bills</a>.</li><li>You may also be able to shave up to $35 per month off your internet bill. <a href="https://www.kiplinger.com/personal-finance/how-fast-does-your-internet-really-need-to-be">Downgrading your speed</a> to the next level would save about $20, and you may not even notice a difference.</li><li>If you're renting your equipment, that typically adds about $15 per month to your bill. Buying your own costs about $100, so you'd earn that upfront investment back in less than seven months.</li><li>Older Americans can call around their utility providers to check for senior discounts. Not every company offers them, and the age at which they kick in varies. But, if you're over 50, it's worth asking.</li></ul><h3 class="article-body__section" id="section-debt-cut-360-per-month"><span>Debt: Cut $360 per month</span></h3><p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/economy/how-does-the-federal-reserve-work">Federal Reserve</a> is expected to continue cutting rates this year.</p><p>"With interest starting to decrease, refinancing of mortgages, student loans, along with consolidating high-interest credit card debt should become a top priority. By doing so, you can lower your monthly payments by hundreds without sacrificing your lifestyle," Lederman said.</p><p>The average U.S. household has over $151,000 in debt, according to <a data-analytics-id="inline-link" href="https://wallethub.com/edu/d/debt-statistics/140104" target="_blank">WalletHub</a>. That includes mortgage and credit card debt, averaging around $9,800.</p><p>Based on those numbers, refinancing your mortgage to a rate that's at least 1% lower could save about $100 per month, while consolidating your credit card debt to a lower-interest loan could save about $40 per month. In both cases, you're also potentially saving tens of thousands over the long-term by paying less interest overall.</p><p>Meanwhile, the average monthly payment on a loan for a new car is <a data-analytics-id="inline-link" href="https://www.bankrate.com/loans/auto-loans/average-monthly-car-payment/" target="_blank" rel="nofollow">$749</a>. Simply trading that new car in for a reliable used one could drop your payment to $529, a savings of $220 per month.</p><p>If you can downsize to just one car for your household, giving up that $749 monthly payment (and saving more on car insurance, fuel and maintenance) would add a lot of breathing room to your budget in one fell swoop.</p><h3 class="article-body__section" id="section-insurance-cut-360-per-month"><span>Insurance: Cut $360 per month</span></h3><p>Here are a few of the most effective ways to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-cut-your-auto-and-home-insurance-bills-this-year">lower your home and car insurance</a> premiums. If you're able to use all of them for both policies, you could save up to $360 per month:</p><ul><li><strong>Shop around for new car and home insurance.</strong> Those who switch save <a href="https://www.consumerreports.org/money/car-insurance/why-most-drivers-switch-car-insurance-how-much-they-save-a7899329065/" target="_blank">$461</a> per year on average for car insurance. You might be able to see similar savings on home insurance.</li><li><strong>Raise your deductibles. </strong>For home insurance, raising your deductible from $500 to $1,000 can lower your premium by <a href="https://www.iii.org/article/12-ways-to-lower-your-homeowners-insurance-costs" target="_blank">25%</a>. That's over $600 per year in savings, based on current <a href="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/" target="_blank" rel="nofollow">average home insurance rates</a>. You could <a href="https://www.kiplinger.com/personal-finance/car-insurance/you-retired-and-stopped-commuting-how-do-you-lower-car-insurance-costs">lower car insurance costs</a> by about $800 per year by doing the same thing.</li><li>If you're able to follow the advice above about downsizing from two cars to one, tack on about $2,100 per year in savings to your tab.</li></ul><p>In many cases, the strategies above are about trimming waste and making tweaks that put more cash in your pocket while minimizing the impact on your lifestyle. There are still plenty of ways to cut your monthly budget, even if you feel like you already eliminated the obvious expenses like dining out or splurging on a morning coffee.</p><div class="product star-deal"><p>Get more insurance tips and other personal finance insights straight to your inbox. Subscribe to our daily newsletter, <a href="https://www.kiplinger.com/business/get-a-step-ahead" data-dimension112="92da75b3-3327-49f7-b653-c1aa735a147a" data-action="Star Deal Block" data-label="A Step Ahead" data-dimension48="A Step Ahead" data-dimension25=""><strong>A Step Ahead</strong></a>.</p></div><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/shopping/how-much-you-could-save-on-gas-with-costco-walmart-and-other-memberships">How Much You Could Save on Gas with Costco, Walmart and Other Memberships</a></li><li><a href="https://www.kiplinger.com/personal-finance/home-savings/the-best-temperatures-to-set-your-thermostat">The Best Temperatures to Set Your Thermostat</a></li><li><a href="https://www.kiplinger.com/personal-finance/car-insurance/the-100-000-mile-rule-in-car-insurance-to-avoid-overpaying-for-coverage-you-dont-need">Can the 100,000 Mile Rule in Car Insurance Help You Avoid Overpaying for Coverage You Don’t Need?</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/how-to-save-money/how-to-cut-1000-from-monthly-budget</link> <description> <![CDATA[ Here are some creative ways to save up to $1,000 a month, even if you feel like you've already made all of the obvious cuts. ]]> </description> <guid isPermaLink="false">UpiyfaGf9eeLjmZbnSrFkm</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/gbTEcjobnFRzVHSidysTMX-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Mon, 03 Nov 2025 11:03:00 +0000</pubDate> <category><![CDATA[How To Save Money]]></category> <category><![CDATA[Spending]]></category> <category><![CDATA[Insurance]]></category> <category><![CDATA[Personal Finance]]></category> <dc:creator><![CDATA[ Rachael Green ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gbTEcjobnFRzVHSidysTMX-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A woman uses a calculator while reviewing paperwork at her desk. ]]></media:text> <media:title type="plain"><![CDATA[A woman uses a calculator while reviewing paperwork at her desk. ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/gbTEcjobnFRzVHSidysTMX-1280-80.jpg" /> </item> <item> <title><![CDATA[ Eight Steps to Help Get You Through the Open Enrollment Jungle at Work ]]></title> <dc:content><![CDATA[ <p>Open enrollment is an important time for employees to review and select benefits and those decisions can have a lasting impact on <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/brighter-financial-future-where-to-start">your financial future</a>.</p><p>According to the <a data-analytics-id="inline-link" href="https://www.bls.gov/news.release/pdf/ecec.pdf" target="_blank">U.S. Bureau of Labor Statistics</a>, the average employee benefits package accounts for 29.7% of total compensation for private industry workers and 38.4% of total compensation for state and local government workers.</p><p>But when the average employee has to choose from more than a dozen benefits, it is easy to become fatigued while working through the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/open-enrollment-tax-issues">open enrollment </a>process. The steps that follow will help keep you on track.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><h2 id="1-review-your-current-benefits-2">1. Review your current benefits</h2><p>Start by evaluating your existing benefits. Consider what worked well in the past year and what didn't.</p><p>Look at your health care usage, out-of-pocket costs and any changes in your circumstances — such as marriage, the birth of a child or new health needs — that may influence your choices. Try to judge how much the upcoming year's expenses may look like this year's.</p><p>A tool that may help is "start, stop, continue." Try to decide what benefits were missing this year that you would like to start in the new year, what benefits were not used that you might stop and what benefits were helpful that you want to continue.</p><p>This exercise can help you group your benefits by category.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_7xws2pdR_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="7xws2pdR"> <div id="botr_7xws2pdR_a7GJFMMh_div"></div> </div> </div></div><h2 id="2-attend-informational-sessions-and-read-materials-2">2. Attend informational sessions and read materials </h2><p>Keep an eye out for emails and other communications that offer enrollment support. Your employer offers these resources because they want you to get the most out of your benefits.</p><p>Use your human resource team to help you manage your decision-making. Consider talking to HR with your partner, if applicable, to help your family get the most out of your benefits.</p><h2 id="3-compare-plans-carefully-2">3. Compare plans carefully</h2><p>When selecting, compare plan premiums, deductibles, copayments, coverage networks and prescription drug benefits. Use available online tools or calculators to estimate your annual costs based on anticipated health-care needs.</p><p>Try not to get overwhelmed. Start by thinking about how well this year's plan served you and your family. The complexity of plan comparisons makes relying on your HR team especially important.</p><p>Start by telling them what you liked and did not like about this year's plan.</p><h2 id="4-consider-flexible-spending-and-health-savings-accounts-2">4. Consider flexible spending and health savings accounts </h2><p>Flexible spending accounts (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/higher-fsa-contribution-limits">FSAs</a>) and health savings accounts (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/insurance/t027-s001-10-things-you-need-to-know-about-hsas/index.html">HSAs</a><u>)</u> offer tax advantages for medical and dependent care expenses. Review contribution limits and eligible expenses for each account and decide how much you should set aside for the coming year.</p><p>Remember that FSAs typically have a "use it or lose it" rule, so plan your contributions carefully.</p><p>And don't let the acronyms confuse you. Perhaps think of your FSA as your "fast" account that generally has to be spent in the year it is funded and think of your HSA as your potential "hold" account which can be saved, if not needed, year-over-year and even invested subject to certain conditions.</p><h2 id="5-evaluate-supplemental-benefits-2">5. Evaluate supplemental benefits </h2><p>Beyond core health insurance, many employers provide added benefits such as life insurance, disability coverage, legal assistance, and wellness programs. Assess your need for these supplemental benefits and consider increasing coverage to suit your needs.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>Benefits you have to pay for are a bit like subscriptions for services, such as streaming. Individually they may not seem expensive, but when combined they can be expensive.</p><h2 id="6-plan-for-retirement-2">6. Plan for retirement</h2><p>Open enrollment is a great time to review your retirement savings strategy. Check your contribution rates to your workplace savings plan if you have one.</p><p>A best practice to consider is to at least contribute enough to get the maximum company match. Another is to increase your contributions steadily to at least 10%.</p><p>Other questions to consider include whether to use a pre-tax contribution or a Roth contribution, if offered.</p><p>The former allows money to be contributed pretax and comes out as taxable income when withdrawn, while the Roth is made up of after-tax contributions and comes out as tax-free when withdrawn, subject to certain conditions.</p><p>Although company contributions will most likely be taxable when withdrawn, having tax-free Roth dollars in retirement may still be beneficial.</p><h2 id="7-understand-deadlines-and-take-action-2">7. Understand deadlines and take action</h2><p>Be aware of open enrollment start and end dates, and submit your selections before the deadline. Late submissions may result in missed coverage or defaulting to less optimal plans.</p><p>Because benefits decisions may impact your take home pay it is best to complete the forms with your partner. Completing the process early and sleeping on your decisions before final submission is another good idea.</p><h2 id="8-seek-advice-if-needed-2">8. Seek advice if needed</h2><p>If you're unsure about which options are best for you and your family, consider consulting with benefits specialists or financial advisors. They can help you understand complex plan terms and make choices that align with your goals.</p><p>This is particularly true if you have special circumstances, such as a family member with a chronic condition.</p><h2 id="a-final-note-on-ai-2">A final note on AI</h2><p>Open enrollment season is your annual opportunity to tailor your benefits to meet your evolving needs. By reviewing your current coverage, attending informational sessions, comparing options and acting early, you can ensure you're maximizing the value of your employee benefits.</p><p>You could also try using AI for guidance, whether by uploading plan documents to a chatbot and asking it to summarize them, or simply by asking it questions. AI isn't foolproof, however, so be sure to verify any information you've been given with your HR team.</p><p><em>All investments involve risks, including possible loss of principal.</em></p><p><em>Any information, statement or opinion set forth herein is general in nature, is not directed to or based on the financial situation or needs of any particular investor, and does not constitute, and should not be construed as, investment advice, forecast of future events, a guarantee of future results, or a recommendation with respect to any particular security or investment strategy or type of retirement account.</em></p><p><em>This material is intended to be of general interest only and should not be construed as individual investment advice or a recommendation or solicitation to buy, sell or hold any security or to adopt any investment strategy. It does not constitute legal or tax advice. This material may not be reproduced, distributed or published without prior written permission from Franklin Templeton.</em></p><p><em>The views expressed are those of the investment manager and the comments, opinions and analyses are rendered as at publication date and may change without notice. The underlying assumptions and these views are subject to change based on market and other conditions and may differ from other portfolio managers or of the firm as a whole. The information provided in this material is not intended as a complete analysis of every material fact regarding any country, region or market. There is no assurance that any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets will be realized. The value of investments and the income from them can go down as well as up and you may not get back the full amount that you invested. </em></p><p><em>Past performance is not necessarily indicative nor a guarantee of future performance. All investments involve risks, including possible loss of principal.</em></p><p><em>Any research and analysis contained in this material has been procured by Franklin Templeton for its own purposes and may be acted upon in that connection and, as such, is provided to you incidentally. Data from third party sources may have been used in the preparation of this material and Franklin Templeton ("FT") has not independently verified, validated or audited such data. Although information has been obtained from sources that Franklin Templeton believes to be reliable, no guarantee can be given as to its accuracy and such information may be incomplete or condensed and may be subject to change at any time without notice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase, hold or sell any securities, and the information provided regarding such individual securities (if any) is not a sufficient basis upon which to make an investment decision. FT accepts no liability whatsoever for any loss arising from use of this information and reliance upon the comments, opinions and analyses in the material is at the sole discretion of the user.</em></p><p><em>Products, services and information may not be available in all jurisdictions and are offered outside the U.S. by other FT affiliates and/or their distributors as local laws and regulation permits. Please consult your own financial professional or Franklin Templeton institutional contact for further information on availability of products and services in your jurisdiction.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/taxes-how-workplace-benefits-could-help">Four Ways Your Workplace Benefits Could Help With Your Taxes</a></li><li><a href="https://www.kiplinger.com/retirement/401ks/most-companies-are-still-committed-to-401-k-s">Most Companies Are Still Committed to 401(k)s</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/how-ai-will-impact-your-workplace-retirement-plan">How AI Will Impact Your Workplace Retirement Plan</a></li><li><a href="https://www.kiplinger.com/retirement/401ks/how-to-keep-your-401k-on-track-amid-dire-news-alerts">I'm a Retirement Specialist: This Is How to Keep Your 401(k) on Track Amid Dire News Alerts</a></li><li><a href="https://www.kiplinger.com/retirement/essential-steps-for-preretirees-the-home-stretch">The Home Stretch: Seven Essential Steps for Pre-Retirees</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/steps-to-manage-open-enrollment-at-work</link> <description> <![CDATA[ Wondering how to survive open enrollment this year? Arm yourself with these tools to cut through the process and get the best workplace benefits for you. ]]> </description> <guid isPermaLink="false">B3nmNnc8nSFYFdaJV69FH8</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/wdHJ48VhsBUXRu67864gK4-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Mon, 03 Nov 2025 10:30:00 +0000</pubDate> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Health Savings Accounts]]></category> <category><![CDATA[flexible spending accounts]]></category> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <category><![CDATA[Insurance]]></category> <category><![CDATA[Health Insurance]]></category> <category><![CDATA[Retirement]]></category> <dc:creator><![CDATA[ Mike Dullaghan, AIF® ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wdHJ48VhsBUXRu67864gK4-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A hiker faces a waterfall in a jungle.]]></media:text> <media:title type="plain"><![CDATA[A hiker faces a waterfall in a jungle.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/wdHJ48VhsBUXRu67864gK4-1280-80.jpg" /> </item> <item> <title><![CDATA[ What You Learn Becoming Your Mother's Financial Caregiver ]]></title> <dc:content><![CDATA[ <p><a data-analytics-id="inline-link" href="https://bethpinsker.com/" target="_blank">Beth Pinsker</a> is a certified financial planner, MarketWatch columnist and author of <a data-analytics-id="inline-link" href="https://www.amazon.com/My-Mothers-Money-Financial-Caregiving/dp/0593800575" target="_blank" rel="nofollow"><em>My Mother’s Money: A Guide to Financial Caregiving</em></a>, a new book that comes out November 4<em>. </em>She spoke to Kiplinger Personal Finance Magazine<em> </em>about how best to manage a loved one's financial affairs when they become seriously ill — and the importance of talking openly about estate planning before it becomes an emergency.</p><p><em><strong>Kiplinger: Your new book is about becoming a financial caregiver for your mother after she grew seriously ill due to complications from spinal surgery. What is financial caregiving? </strong></em><br>BP: Financial caregiving is when you step into somebody else’s shoes and take over their affairs. Most people are dragged into this role sideways and have no idea how the person they’re helping has been handling money.</p><p>When I started helping my mom, I knew nothing about how she had been running her household, and she wasn’t in a position to tell me anything after her back surgery. To keep the mortgage paid and the lights on, I had to figure out how she had been paying her bills by sorting through the papers on her desk.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><p><em><strong>What are the most important steps people should take to prepare for the possibility of becoming a financial caregiver? </strong></em><br>BP: You need to make sure the person you’re going to take care of has two key documents: a durable <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/power-of-attorney">power of attorney</a> that legally allows you to make financial decisions on their behalf and, if you’re also going to be making medical decisions, a health care proxy.</p><p>And make sure you have access to those documents. If you can’t put your hands on them, you’re going to be stuck and might end up in court.</p><p>For financial matters, a lot of people think it’s enough to be a joint owner on an account with an aging parent, but that can be problematic. There may be one account that you’re a joint signer on but other accounts you need access to — brokerage accounts, credit cards, that sort of thing.</p><p>You need power of attorney for the cable company, the electric company, the lawn care company. You never know when somebody’s going to say they need power of attorney in order to process whatever it is you want to process.</p><p><em><strong>What if the tables are turned? How can people prepare their loved ones to step into the role of financial caregiver for them? </strong></em><br>BP: Put together what I call a cheat sheet and a death file. My mom did this for me. The cheat sheet lists all of the person’s medicines and their doses, surgical history, key doctors, their <a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/credit/t051-c011-s001-10-riskiest-places-to-give-your-social-security-nu.html">Social Security number</a>.</p><p>The death file is everything you need if something happens to them, like their will or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning-who-needs-a-trust-and-who-doesnt">trust</a>, a list of their accounts, birth certificate, life insurance contract and cemetery plot information.</p><p><em><strong>What’s the hardest thing about managing someone else’s money? </strong></em><br>BP: The hardest part for me was trying to maintain my mom’s very precise financial routine. My mom was always very particular about her finances and a little old-fashioned. She didn’t trust electronic banking. It was all paper statements and paper checks.</p><p>I was managing her finances from a thousand miles away, and I had to take care of things electronically. I always thought she was going to be mad at me. I was afraid the whole time I wasn’t living up to her standards.</p><p>My general advice is to keep people in the loop. The person you’re taking care of or a sibling is going to want some accounting. I kept a spreadsheet of money coming in and going out of my mom’s account and things I paid out of my own pocket that I then reimbursed myself for.</p><p><em><strong>What is one thing you wish your mom had done to better prepare you? </strong></em><br>BP: I wish we had <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/how-to-discuss-estate-planning-with-your-family">talked more openly</a> in the years before she got sick, because there were a lot of things that didn’t occur to us to talk about once we were in emergency mode. These were small things, like asking about certain missing pieces of jewelry, but still important.</p><p>The one that haunts me is that I think she had a storage locker in the basement of her apartment building that had my grandmother’s paintings in it, and I couldn’t find any record of it after my mom died. Maybe someday the building will call me and say they found it.</p><p><em>Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make </em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KPP/kipcomarticles" target="_blank"><u><em>here</em></u></a><em>.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/medicare/how-to-access-your-parents-medicare">How to Access Your Parents’ Medicare: Enroll and Manage Their Care</a></li><li><a href="https://www.kiplinger.com/retirement/estate-planning/advance-directive">Why You Need an Advance Directive</a></li><li><a href="https://www.kiplinger.com/retirement/how-to-organize-your-financial-paperwork-for-your-heirs">How to Organize Your Financial Paperwork for Your Heirs</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/estate-planning/what-you-learn-becoming-your-mothers-financial-caregiver</link> <description> <![CDATA[ Writer and certified financial planner Beth Pinsker talks to Kiplinger about caring for her mother and her new book. ]]> </description> <guid isPermaLink="false">SnpX86mZX5NCE6VLoKRrx8</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/F6cEPhWNhH69SAMcgSrdmi-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sun, 02 Nov 2025 14:00:00 +0000</pubDate> <category><![CDATA[Estate Planning]]></category> <category><![CDATA[Banking]]></category> <category><![CDATA[Social Security]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Personal Finance]]></category> <dc:creator><![CDATA[ Cameron Huddleston ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/F6cEPhWNhH69SAMcgSrdmi-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A woman hugs her mother. ]]></media:text> <media:title type="plain"><![CDATA[A woman hugs her mother. ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/F6cEPhWNhH69SAMcgSrdmi-1280-80.jpg" /> </item> <item> <title><![CDATA[ I Want to Help Pay for My Grandkids' College. Should I Make a Lump-Sum 529 Plan Contribution or Spread Funds out Through the Years? ]]></title> <dc:content><![CDATA[ <p><strong>Question</strong>: I want to help pay for my grandkids' college. Should I make a large lump-sum 529 plan contribution or spread the funds out evenly over the years?</p><p><strong>Answer</strong>: A lot of people experience sticker shock when they sit down to look at college costs today. For the 2025-2026 academic year, <a data-analytics-id="inline-link" href="https://www.usnews.com/education/best-colleges/paying-for-college/articles/paying-for-college-infographic" target="_blank"><u><em>U.S. News & World Report</em></u></a> puts the average cost of tuition and fees at a four-year, public in-state school at $11,371.</p><p>For a public out-of-state school, the average price tag is $25,415, and for private universities, it's $44,961.</p><p>Meanwhile, an estimated 425 million people today owe federal student loan debt, according to the <a data-analytics-id="inline-link" href="https://educationdata.org/student-loan-debt-statistics" target="_blank"><u>Education Data Initiative</u></a>, which also says the average public university student borrows $31,960 to get a bachelor’s degree.</p><p>Owing all that money can take a toll. A late 2023 <a data-analytics-id="inline-link" href="https://www.bankrate.com/loans/student-loans/financial-milestone-survey/" target="_blank"><u>Bankrate survey</u></a> found that 59% of student loan borrowers felt forced to delay key financial milestones because of their student debt, including building emergency and retirement savings.</p><p>If you’re in a strong enough financial position to help pay for your grandchildren’s education, you might be eager to ease that burden — both for them and your grown children who might also be struggling to set aside money for college savings.</p><p>If so, a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/careers/college/603628/529-plan-faqs"><u>592 plan</u></a> is a good place to start. These plans offer the benefit of tax-free gains and withdrawals, provided the money is used to cover qualifying educational expenses.</p><p>You might wonder if it’s better to make a large lump-sum contribution to a 529 plan now or spread those funds out evenly over the years. You could go either way. It’s important to understand the pros and cons of both options.</p><h2 id="the-case-for-megafunding-a-529-up-front-2">The case for megafunding a 529 up front</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="owE2dZ95mCtnhDDDEbhg2H" name="Grandmother and baby granddaughter-1303956003" alt="A grandmother and her baby granddaughter are looking at eachother and laughing." src="https://cdn.mos.cms.futurecdn.net/owE2dZ95mCtnhDDDEbhg2H.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>If you can afford to fund a 529 plan with a lot of money up front, it could pay to do so, says <a data-analytics-id="inline-link" href="https://www.collegewell.com/team/jonathan-sparling/" target="_blank"><u>Jonathan Sparling</u></a>, director at CollegeWell.</p><p>As he explains, “Contributions to 529 plans are excluded from an individual's taxable estate, even though the account owner retains control of those funds.”</p><p>Moreover, Sparling says, “529 plans are eligible for the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/this-super-529-strategy-can-help-you-jumpstart-college-savings">super-funding provision</a>, which allows individuals to front-load five years of contributions in one tax year. A married couple could contribute as much as $190,000 per beneficiary, thereby reducing their taxable estate by that amount of money.”</p><p>There’s also the benefit of time to consider from an investing standpoint.</p><p>“Contributions made to 529 investment plans when a child is very young have more time to accumulate growth and weather market fluctuations. The same is true for 529 prepaid plans, like ones provided by certain states and the Private College 529 Plan,” he says.</p><p>With the Private College 529 Plan, Sparling explains, contributions lock in a percentage of tuition and fees at nearly 300 <a data-analytics-id="inline-link" href="https://www.collegewell.com/member-colleges/" target="_blank">member colleges</a> across the country.</p><p>“Making a lump-sum contribution earlier on locks in more years of tuition at a lower rate, protecting against future tuition <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/beat-inflation-smart-strategies-to-protect-your-retirement"><u>inflation</u></a>,” he says.</p><h2 id="the-case-for-funding-a-529-plan-through-the-years-2">The case for funding a 529 plan through the years</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2120px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="QkMPUgyhZRAhhJyXNBvpWf" name="Child Growing-2196467407" alt="Young girl checking her height on the wall, demonstrating her growth in height over time." src="https://cdn.mos.cms.futurecdn.net/QkMPUgyhZRAhhJyXNBvpWf.jpg" mos="" align="middle" fullscreen="" width="2120" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>If you can afford to front-load 529 plan contributions, not only does it give your money that much more time to grow, it’s also an expense you won’t have to think about year after year.</p><p>However, <a data-analytics-id="inline-link" href="https://www.themathergroup.com/team-wealth?group=Wealth+Advisor" target="_blank"><u>Brian Schmehil</u></a>, CFP and managing director of Wealth Management at <a data-analytics-id="inline-link" href="https://www.themathergroup.com/team-wealth?group=Wealth+Advisor" target="_blank"><u>The Mather Group</u></a>, points out that while you’re generally better off investing a lump sum of money, this approach increases your market-timing risk compared with dollar-cost averaging year after year.</p><p>Schmehil also points out that it’s important to consider the tax benefits your state might offer.</p><p>“Many states limit the amount you can deduct from your income each year,” says. “Spreading out your contributions can provide a guaranteed tax benefit to you and your family. In some cases, the value of this guaranteed tax benefit may outweigh the uncertainty of market returns.”</p><p>Schmehil also says that making contributions on a yearly basis gives you more flexibility if your circumstances, or those of your beneficiaries, change.</p><p>For example, you might end up in a situation in which your health care costs increase dramatically later in retirement. One of your grandchildren might decide that once they reach middle school, they’re interested in a specific trade and don’t wish to attend college.</p><p>Even though 529 plans give you some flexibility to switch beneficiaries, ultimately, you’ll get even more flexibility by having your money outside one of these accounts.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="any-529-plan-contributions-you-make-should-go-a-long-way-2">Any 529 plan contributions you make should go a long way</h2><p>When it comes to funding a 529 plan, there’s really no right or wrong approach. Sparling also points out that not everyone can make a significant lump-sum contribution to a 529 plan, so for many people, spreading out contributions over time is the only feasible option.</p><p>No matter which option you choose, as Sparling says, “Regardless of when contributions are made, every dollar saved for college can help offset future costs and increase college options for their grandchildren.”</p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/i-want-to-retire-but-i-have-to-keep-working-so-my-adult-kids-have-insurance">I Want to Retire, but I Have to Keep Working so My Adult Kids Have Insurance</a></li><li><a href="https://www.kiplinger.com/personal-finance/college/use-the-529-grandparent-loophole-to-maximize-college-savings">Use the 529 Grandparent Loophole to Maximize College Savings</a></li><li><a href="https://www.kiplinger.com/personal-finance/college/best-529-plans">The Best 529 Plans of 2025</a></li><li><a href="https://www.kiplinger.com/retirement/why-you-may-not-want-to-move-near-the-grandkids-in-retirement">Why You May Not Want to Move Near the Grandkids in Retirement</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/retirement-planning/i-want-to-help-pay-for-my-grandkids-college-should-i-make-a-lump-sum-529-plan-contribution-or-spread-funds-out-through-the-years</link> <description> <![CDATA[ We asked a college savings professional and a financial planning expert for their advice. ]]> </description> <guid isPermaLink="false">j8ZPqkhCtCXNYKpWHXbpc7</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/oa6MZoWXKdXvnbSy53ZNYc-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sun, 02 Nov 2025 11:06:00 +0000</pubDate> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Estate Planning]]></category> <category><![CDATA[College]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Careers]]></category> <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/oa6MZoWXKdXvnbSy53ZNYc-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A young granddaughter gets a piggy back ride from her grandfather in the park. They are both smiling and looking left of the camera.]]></media:text> <media:title type="plain"><![CDATA[A young granddaughter gets a piggy back ride from her grandfather in the park. They are both smiling and looking left of the camera.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/oa6MZoWXKdXvnbSy53ZNYc-1280-80.jpg" /> </item> <item> <title><![CDATA[ Seven Moves for High-Net-Worth People to Make Before End of 2025, From a Financial Planner ]]></title> <dc:content><![CDATA[ <p>For many affluent families, the end of the year brings more than holiday traditions and travel. It's also one of the most critical windows for financial planning.</p><p>When done right, year-end planning can reduce taxes, align finances with family goals and set the stage for greater confidence heading into the new year.</p><p>Year-end planning shouldn't be seen as a scramble for last-minute tax breaks. Instead, planning is most effective when it's proactive, tax-aware and rooted in long-term values.</p><p>Families are best served when strategies are connected to their most important goals, whether they're maximizing charitable impact, preparing for the next generation or simply confirming lifestyle stability in uncertain times.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><p>Here are seven moves high-net-worth families should consider before December 31.</p><h2 id="1-charitable-giving-with-a-donor-advised-fund-2">1. Charitable giving with a donor-advised fund</h2><p>A donor-advised fund (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/donor-advised-fund-daf-can-do-a-lot-for-you">DAF</a>) is a charitable account that lets you contribute cash or appreciated assets, take an immediate tax deduction and invest the funds to grow tax-free until you decide which charities to support.</p><p>It provides flexibility to separate the timing of your tax deduction from your actual giving, allowing for more strategic philanthropy over time.</p><p>A DAF can appeal to families focused on long-term charitable planning, particularly those facing a high-income year or a liquidity event.</p><p>In 2025, deduction limits were adjusted by the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/what-you-should-do-before-2026-because-of-obbba-changes">OBBBA</a>, which means contribution plans should be reviewed carefully to ensure every dollar counts.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_7xws2pdR_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="7xws2pdR"> <div id="botr_7xws2pdR_a7GJFMMh_div"></div> </div> </div></div><p>For those over age 70½, a qualified charitable distribution (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/qcds-offer-tax-break-when-rmds-loom-large">QCD</a>) from an <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/traditional-ira/602169/traditional-ira-basics-contributions-rmds">IRA</a> may be an even more efficient way to give, as it can reduce taxes on required withdrawals.</p><p>Choosing between a DAF and a QCD depends on age, income and philanthropic intent.</p><h2 id="2-use-roth-conversions-to-unlock-tax-free-growth-2">2. Use Roth conversions to unlock tax-free growth</h2><p>A <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/roth-conversion-dont-overlook-these-issues">Roth conversion</a> moves assets from a traditional IRA into a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/roth-iras-what-they-are-and-how-they-work">Roth IRA</a>, creating a tax bill now in exchange for tax-free growth and withdrawals later.</p><p>This strategy is most beneficial during years of lower income, such as the period after retirement but before <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/601708/social-security-basics-12-things-you-must-know-about-claiming-and">Social Security benefits</a> and required minimum distributions (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/required-minimum-distributions-rmds/602350/rmd-basics-12-things-you">RMDs</a>) begin.</p><p>The key is weighing the near-term tax hit against the long-term flexibility it provides.</p><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/roth-conversions-convert-everything-at-once-or-as-you-go">Converting gradually</a> over multiple years can help avoid large spikes in taxable income while building more predictable tax-free income streams for the future.</p><h2 id="3-harvest-losses-to-manage-taxes-2">3. Harvest losses to manage taxes</h2><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-loss-harvesting-helps-to-lower-your-tax-bill">Tax-loss harvesting</a> may help reduce overall tax liability while keeping a portfolio aligned with long-term investment goals.</p><p>When markets have performed strongly, reviewing portfolios for losses that can be used to offset taxable gains is a prudent step.</p><p>This approach is particularly relevant after <a data-analytics-id="inline-link" href="https://www.kiplinger.com/business/selling-a-business-worst-mistakes-to-make">a business sale</a> or other liquidity event that triggers significant <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates">capital gains</a>.</p><p>In some cases, it may also make sense to spread sales across two calendar years. The goal is to manage the tax impact and take advantage of the opportunity to rebalance holdings with an eye toward future needs.</p><h2 id="4-do-not-miss-retirement-contribution-and-rmd-deadlines-2">4. Do not miss retirement contribution and RMD deadlines</h2><p>December 31 is the firm deadline for RMDs if you are age 73 or older and for beneficiaries with <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/inherited-ira-four-things-beneficiaries-should-know">inherited IRAs</a>. Missing this date can result in significant penalties.</p><p>It is also important to understand the different deadlines for retirement account contributions. Contributions to employer-sponsored plans such as <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/401ks/is-a-401k-worth-it-here-are-the-pros-and-cons">401(k)s</a> must be made by December 31, 2025, to count for the 2025 tax year.</p><p>By contrast, contributions to IRAs (traditional or Roth) can be made up until the tax filing deadline of April 15, 2026.</p><p>Regardless of the deadline, year-end is the time to make sure contributions are on track. At a minimum, families should contribute enough to capture any <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/average-401-k-match-do-you-work-for-a-generous-company">employer match</a>, but higher contributions may make sense depending on cash flow and tax planning goals.</p><p>Acting early and setting reminders helps avoid the year-end rush and ensures opportunities are not missed.</p><h2 id="5-revisit-estate-and-gifting-strategies-2">5. Revisit estate and gifting strategies</h2><p>The OBBBA permanently made <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/whats-the-new-estate-tax-exemption">estate exemptions</a> higher, which will be set at $15 million per person beginning in 2026. Even with these higher thresholds, year-end remains an important time to consider gifting strategies.</p><p>Families may want to take advantage of the annual <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/gift-tax-exclusion">gift tax exclusion</a>, which allows $19,000 per person in 2025, enabling wealth transfer to children, grandchildren or other loved ones without dipping into lifetime exemption amounts.</p><p>While not every family will face estate taxes, intentional gifting helps reinforce family values and encourages multigenerational stewardship.</p><h2 id="6-review-liquidity-and-cash-flow-for-2026-2">6. Review liquidity and cash flow for 2026</h2><p>Looking ahead to next year's goals and expenses is an essential year-end step. Identifying upcoming needs, such as tuition payments, philanthropy or large purchases, provides the opportunity to align cash flow with tax planning.</p><p>For example, it may make sense to realize gains or take distributions in 2025 to fund 2026 expenses, especially if doing so fits within current <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-brackets/602222/income-tax-brackets">tax brackets</a>.</p><p>This forward-looking exercise eases stress and provides clarity, ensuring families enter the new year with a solid financial foundation.</p><h2 id="7-business-owners-and-executives-should-plan-ahead-2">7. Business owners and executives should plan ahead</h2><p>Business owners and executives often face unique year-end decisions. <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/tax-efficient-ways-to-ditch-concentrated-stock-holdings">Concentrated stock positions</a>, restricted stock units (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/rsus-restricted-stock-units-how-they-work">RSUs</a>) and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/careers/escaping-the-new-golden-handcuffs-a-plan-for-todays-executives">deferred compensation</a> all require careful evaluation.</p><p>For executives, managing the timing of RSU sales after vesting events can help reduce tax burdens while also diversifying holdings.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>Business owners nearing retirement may want to gradually reduce exposure to their own company stock to better align assets with long-term investment goals.</p><p>Those with options to defer income must weigh the pros and cons of recognizing income now vs later. Each choice should be made in the context of long-term financial security and broader life goals.</p><h2 id="the-bigger-picture-2">The bigger picture</h2><p>Year-end planning is not just about wrapping up 2025. It's about entering 2026 with clarity and confidence.</p><p>By taking time now to align tax strategies, gifting, savings and cash flow with long-term goals, families create the flexibility to handle both expected milestones and unexpected surprises.</p><p>Closing out the year with intention lays the groundwork for financial decisions that feel less reactive and more purposeful. A thoughtful December can make the year ahead less stressful, more strategic and ultimately more successful.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/charity/charitable-giving-changes-in-obbb-one-big-beautiful-bill">How the One Big Beautiful Bill Will Change Charitable Giving</a></li><li><a href="https://www.kiplinger.com/taxes/tax-breaks-for-middle-class-families">Claiming the Standard Deduction? Here Are 10 Tax Breaks For Middle-Class Families in 2025</a></li><li><a href="https://www.kiplinger.com/taxes/605069/inflation-reduction-act-tax-credits-energy-efficient-home-improvements">Energy Efficient Home Improvement Tax Credits — Get 'Em While You Can</a></li><li><a href="https://www.kiplinger.com/slideshow/taxes/t054-s001-tax-deductions-and-credits-to-help-pay-for-college/index.html">12 Education Tax Credits and Deductions to Know</a></li><li><a href="https://www.kiplinger.com/taxes/best-states-for-middle-class-families">Best States for Middle-Class Families Who Hate Paying Taxes</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/year-end-moves-for-high-net-worth-people</link> <description> <![CDATA[ It's time to focus on how they can potentially reduce their taxes, align their finances with family goals and build their financial confidence for the new year. ]]> </description> <guid isPermaLink="false">NvMvHXMjXvqkxzDJWSC7KQ</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/Fu5jQrxfCWu8SgQk8f8kfF-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sun, 02 Nov 2025 10:35:00 +0000</pubDate> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Charity]]></category> <category><![CDATA[Roth IRAs]]></category> <category><![CDATA[required minimum distributions (RMDs)]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Retirement Plans]]></category> <author><![CDATA[ bjackson@linscombwealth.com (Brooke Jackson, CFP®) ]]></author> <dc:creator><![CDATA[ Brooke Jackson, CFP® ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Fu5jQrxfCWu8SgQk8f8kfF-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[An older woman and her daughter work on financial paperwork.]]></media:text> <media:title type="plain"><![CDATA[An older woman and her daughter work on financial paperwork.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Fu5jQrxfCWu8SgQk8f8kfF-1280-80.jpg" /> </item> <item> <title><![CDATA[ I'm a Financial Planner: These Are the Seven Tiers of Retirement Well-Being ]]></title> <dc:content><![CDATA[ <p>In the field of psychology, Abraham Maslow's <a data-analytics-id="inline-link" href="https://www.simplypsychology.org/maslow.html">hierarchy of needs</a> has long been used to explain what motivates human behavior — from basic survival to self-actualization.</p><p>What if that same concept were applied to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/financial-planning-the-best-defense-against-financial-fear">financial planning</a>? For individuals navigating retirement or preparing for it, understanding which financial needs matter most — and in what order — can be a game changer.</p><p>Here's a practical take on how to construct your financial life, starting with the essentials and working up to long-term legacy goals.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><h2 id="1-income-the-foundation-of-financial-stability-2">1. Income: The foundation of financial stability</h2><p>Income is the base of any financial hierarchy. Without a steady earnings stream —through employment, business or investment returns — it's difficult to meet even basic financial needs.</p><p>Before thinking about tax strategies or estate planning, the first goal must be to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirees-make-your-money-last-with-stable-income-strategies">generate reliable income</a> that covers essential living expenses.</p><p>In retirement, this often shifts from earned income to passive income sources such as <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retiring-with-a-pension-what-to-know">pensions</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/601708/social-security-basics-12-things-you-must-know-about-claiming-and">Social Security</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/annuities-what-they-are-and-how-they-work">annuities</a> and investment withdrawals. Ensuring stable and sufficient income is the bedrock of financial security.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="2-protection-guarding-against-the-unexpected-2">2. Protection: Guarding against the unexpected</h2><p>Protection includes <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/insurance/life-insurance/what-is-life-insurance">life insurance</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/do-you-need-disability-insurance-what-to-know">disability coverage</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/long-term-care-insurance/things-you-should-know-about-long-term-care-insurance">long-term care planning</a> and basic legal documents such as a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/your-will-how-your-assets-will-be-distributed-as-you-wish">will</a> and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/power-of-attorney-types-which-is-right-for-you">power of attorney</a>.</p><p>These tools help ensure that if something unexpected happens — an illness, accident or death — financial hardship doesn't follow.</p><p>Protection planning might not be flashy, but it's critical; without it, even a solid income can be derailed.</p><p>For retirees, this means having adequate health coverage and considering whether <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/long-term-care-insurance/things-you-should-know-about-long-term-care-insurance">long-term care insurance</a> or other tools are appropriate.</p><h2 id="3-emergency-reserves-preparing-for-life-s-curveballs-2">3. Emergency reserves: Preparing for life's curveballs</h2><p>An <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/steps-to-build-an-emergency-fund">emergency fund</a> serves as a financial shock absorber. For those still working, this typically means three to six months of expenses set aside in cash or liquid accounts.</p><p>For retirees, it might look more like a buffer within an investment account or designated cash reserves to cover unexpected <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/guide-to-planning-for-retirement-health-care-expenses">health care costs</a>, home repairs or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/market-volatility-tempting-you-to-get-out-read-this-first">market downturns</a>.</p><p>Having a reserve prevents reliance on high-interest debt or making premature withdrawals from retirement accounts when unexpected expenses arise.</p><h2 id="4-debt-management-eliminating-financial-drag-2">4. Debt management: Eliminating financial drag</h2><p>Not all debt is created equal. While a low-interest mortgage might be manageable, high-interest consumer debt — particularly from <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/credit-cards/how-to-pay-off-credit-card-debt">credit cards</a> — can quickly sabotage financial progress.</p><p>Eliminating toxic debt is crucial before building toward long-term goals.</p><p>In retirement, carrying high-interest debt can put added strain on those living on a fixed income. Prioritizing debt reduction increases financial flexibility and reduces risk.</p><h2 id="5-retirement-savings-creating-future-optionality-2">5. Retirement savings: Creating future optionality</h2><p>Contributing to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/traditional-ira">IRAs</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/401ks/401k-plans-what-you-need-to-know-now">401(k)s</a> or other tax-advantaged accounts builds future optionality — the ability to choose how and when to retire without financial pressure. The earlier this step begins, the more powerful compounding can be.</p><p>Saving for retirement often competes with other priorities, such as college funding or lifestyle upgrades.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>But retirement is one of the only major life expenses that can't be financed. You can borrow for college, not for retirement.</p><h2 id="6-estate-and-tax-planning-optimizing-what-you-ve-built-2">6. Estate and tax planning: Optimizing what you've built</h2><p>Your next step is to ensure that wealth is protected, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/how-to-ensure-your-family-keeps-the-wealth-youve-built">transferred efficiently</a> and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/retirement/t055-c000-s001-planning-your-retirement-tax-strategy.html">taxed appropriately</a> through up-to-date <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning-documents-everyone-needs">estate planning documents</a>, thoughtful <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/choose-a-beneficiary-for-your-estate-plan">beneficiary designations</a> and strategies to reduce taxes.</p><p>For retirees, this might involve <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/roth-conversion-factors-to-consider">Roth conversions</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/top-retirement-withdrawal-strategies-to-maximize-your-savings">strategic withdrawals</a> or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-much-money-to-gift-in-your-lifetime">gifting strategies</a>.</p><p>Estate planning isn't just about leaving a legacy — it's also about ensuring your wishes are carried out smoothly and effectively.</p><h2 id="7-college-planning-and-other-luxuries-2">7. College planning and other luxuries</h2><p>The "nice-to-haves" sit at the top of the pyramid. For many, that includes saving for <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/college/how-grandparents-can-help-with-education-expenses">children's or grandchildren's education</a>.</p><p>While education is important, college funding is a luxury in the context of financial planning — it's a goal with many solutions (loans, scholarships, grants), and one that shouldn't take precedence over personal retirement security.</p><p>Other "top-tier" goals might include <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/best-luxury-travel-destinations-retirees">dream vacations</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/should-you-buy-a-second-home-when-you-retire">second homes</a> or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/developing-a-charitable-giving-strategy-where-to-begin">charitable giving</a>. These are important and meaningful — but ideally addressed only after the core needs have been met.</p><h2 id="final-thoughts-financial-planning-with-purpose-2">Final thoughts: Financial planning with purpose</h2><p>Personal finance is personal. Everyone's hierarchy might look slightly different based on values, goals and circumstances.</p><p>But the general framework remains a useful guide: Cover the essentials, guard against risk, save for the future, then build toward legacy and lifestyle goals.</p><p>When viewed this way, financial planning becomes less about chasing the next best strategy and more about aligning money with what matters most — security, peace of mind and the freedom to live well.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-income-strategies-for-the-long-haul">Retirement Income Strategies for the Long Haul</a></li><li><a href="https://www.kiplinger.com/retirement/roth-iras/timing-is-everything-for-roth-conversions">Timing Is Everything for Roth Conversions: An Expert's Guide to the Right Strategy</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/retirement-planning-traps-to-avoid">Five Retirement Planning Traps You Can't Afford to Fall Into, From a Wealth Adviser</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/your-golden-years-just-got-a-tax-break-but-theres-a-catch">Your Golden Years Just Got a Tax Break, But There's a Catch</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/big-red-bucket-theory-visualize-your-retirement-plan">The Big Red Bucket Theory: A Financial Adviser's Simple Way to Visualize Your Retirement Plan</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/happy-retirement/tiers-of-retirement-well-being-from-a-cfp</link> <description> <![CDATA[ Let's apply Maslow's hierarchy of needs to financial planning to create a guide for ranking financial priorities. ]]> </description> <guid isPermaLink="false">SzczAmzdNGqa5vUafxiPMD</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/uk4UxFSjCT6NvGjBJiNkYE-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sun, 02 Nov 2025 10:30:00 +0000</pubDate> <category><![CDATA[Happy Retirement]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <author><![CDATA[ andrew@diversifiedllc.com (Andrew Rosen, CFP®, CEP) ]]></author> <dc:creator><![CDATA[ Andrew Rosen, CFP®, CEP ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/uk4UxFSjCT6NvGjBJiNkYE-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[An artsy presentation of the number seven.]]></media:text> <media:title type="plain"><![CDATA[An artsy presentation of the number seven.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/uk4UxFSjCT6NvGjBJiNkYE-1280-80.jpg" /> </item> <item> <title><![CDATA[ Four Luxury Spa Resorts for Well-Heeled Travelers ]]></title> <dc:content><![CDATA[ <p>While retirement should be a time to relax and enjoy life, many retirees quickly discover that stress did not go the way of their paychecks.</p><p>From minor inconveniences, such as sitting in traffic, to major economic strains such as inflation, life is rarely perfect, even for the luckiest retirees.</p><p>Life can be perfect for a little while, though.</p><p>You just need to find the right luxury spa resort to escape, indulge your senses and enjoy unparalleled pampering.</p><p>We've found four U.S. spas that cater to older travelers, where you can schedule a weekend or even an extended visit. Don't blame us if you never want to leave.</p><h2 id="1-the-lodge-at-woodloch-hawley-pennsylvania-2">1. The Lodge at Woodloch — Hawley, Pennsylvania</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:799px;"><p class="vanilla-image-block" style="padding-top:66.71%;"><img id="7BDXmfBVCCGWKNkzFtXfFY" name="The Lodge at Woodloch Spa" alt="A couple is lounging in a hot-tub pool outdoors at nightime. An indoor pool in a wooden building with high ceilings is visible through large windows beyond. Courtesy of The Lodge at Woodloch." src="https://cdn.mos.cms.futurecdn.net/7BDXmfBVCCGWKNkzFtXfFY.jpg" mos="" align="middle" fullscreen="" width="799" height="533" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: The Lodge at Woodloch)</span></figcaption></figure><p>Starting with my personal favorite, the <a data-analytics-id="inline-link" href="https://www.thelodgeatwoodloch.com/" target="_blank">Lodge at Woodloch</a> is a forest oasis nestled deep in the heart of the Poconos. The lodge spans more than 500 acres, featuring a private 15-acre lake. The resort is in harmony with its surroundings, as its architecture features wood, stone and warm lighting.</p><p>The adults-only resort is more of a sanctuary than a simple spa, offering wellness programs, luxurious meals, creative arts instruction, group fitness classes, cooking demonstrations and scheduled outdoor excursions. It also operates on an all-inclusive model, with packages that include access to all amenities <em>and</em> a personal spa concierge to design your program.</p><p>Indoor and outdoor pools, along with a Hydromassage Water Wall, offer aquatic relaxation and exercise. Multiple sanctuary rooms, including a silent sanctuary, offer space to sit back, relax and take it all in.</p><h2 id="notable-features-5">Notable features:</h2><ul><li>Full-featured spa campus with saunas, steam rooms, multiple sanctuaries, gendered and co-ed relaxing spaces and on-site restaurants.</li><li>A unique snow room offers cold therapy and contrast therapy to enhance cardiovascular health.</li><li>A full activity schedule includes outdoor excursions, fitness classes, creative arts and more.</li><li>The resort is accessible for those with mobility issues, but it is hilly and spread out. Guests can ask for golf cart rides by calling the concierge from any phone.</li></ul><h2 id="treatment-options-and-activities-5">Treatment options and activities:</h2><p>The spa features 27 treatment rooms and a comprehensive range of spa services, including facials, massages, targeted therapies, deep tissue massage, <a data-analytics-id="inline-link" href="https://www.nccih.nih.gov/health/ayurvedic-medicine-in-depth" target="_blank">Ayurvedic </a>treatments, energetic bodywork and therapeutic enhancements.</p><p>You can review its <a data-analytics-id="inline-link" href="https://www.thelodgeatwoodloch.com/spa/treatments-services?" target="_blank"><u>spa menus</u></a> to find the perfect therapies, or you can enjoy lectures, fitness classes, guided hikes, cooking classes and more.</p><h2 id="packages-and-costs-5">Packages and costs:</h2><ul><li>The spa offers an array of packages from one-night weekend or holiday escapes to specialized romance or golf packages. Costs vary from as low as <a href="https://www.thelodgeatwoodloch.com/offers/just-one-night-midweek-special" target="_blank"><u>$575 per night for midweek specials</u></a> to upwards of $2,000 per night for specialized options.</li><li>Two-night minimums apply for some packages.</li><li>Packages typically include a $180 spa service allowance per person per night of stay.</li><li>The spa offers special deals for long stays, including 50% off one night for stays of five days or longer.</li></ul><div class="product star-deal"><a data-dimension112="f589ee3a-9282-4bbe-8654-75cc8bdb8f40" data-action="Star Deal Block" data-label="disclosure" data-dimension48="disclosure" href="https://oc.brcclx.com/t?lid=26759006&s1=https://www.kiplinger.com/retirement/happy-retirement/spa-retreats-for-well-heeled-retirees" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2120px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="6cMu8qQVYuoVmxfwmnAVRP" name="GettyImages-2241980252" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/6cMu8qQVYuoVmxfwmnAVRP.jpg" mos="" align="middle" fullscreen="" width="2120" height="1414" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><p>Unwind and upgrade your adventures. The right credit card can unlock deals on spa treatments and travel upgrades. See Kiplinger's top credit card picks for powered by Bankrate. Advertising <a href="https://www.kiplinger.com/content-funding-on-kiplinger" data-dimension112="f589ee3a-9282-4bbe-8654-75cc8bdb8f40" data-action="Star Deal Block" data-label="disclosure" data-dimension48="disclosure" data-dimension25=""><u>disclosure</u></a>. </p><p><a href="https://oc.brcclx.com/t?lid=26759006&s1=https://www.kiplinger.com/retirement/happy-retirement/spa-retreats-for-well-heeled-retirees" target="_blank" rel="nofollow"><strong>View Offers</strong></a></p></div><h2 id="2-canyon-ranch-lenox-lenox-massachusetts-2">2. Canyon Ranch Lenox — Lenox, Massachusetts</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="eHEa7L3CsteNRgShiqgMvX" name="Massage at spa-146271829" alt="An older woman rests on a massage table at a spa. The massage therapist is about to put cucumber slices on her eyes." src="https://cdn.mos.cms.futurecdn.net/eHEa7L3CsteNRgShiqgMvX.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>Canyon Ranch is practically synonymous with the term "luxury spa," as it's one of the best-known integrative wellness retreats in the country.</p><p>While there are multiple locations, <a data-analytics-id="inline-link" href="https://www.canyonranch.com/lenox" target="_blank">Canyon Ranch Lenox</a> stands out and is New England's No. 1 spa resort, according to the <a data-analytics-id="inline-link" href="https://guide.michelin.com/us/en/hotels-stays/berkshires/canyon-ranch-lenox-5827?arr=2025-11-26&dep=2025-11-27&nA=1&nC=0&nR=1" target="_blank">Michelin Guide</a>.</p><p>Like the Lodge at Woodloch, Canyon Ranch is far more than just a place you go for a massage. It's an award-winning institution built around fitness, wellness, movement and mind-and-spirit services. It also operates on the all-inclusive model and has a charming setting, this time in the Berkshires.</p><p>Canyon Ranch's multiple restaurants show that healthy food can be delicious, while the Lunch & Learn and private cooking courses in the demo kitchen can help you take your own culinary skills to the next level.</p><p>You'll work up an appetite if you participate in the multiple daily activities, from morning walks to <a data-analytics-id="inline-link" href="https://yinyoga.com/" target="_blank">Yin Yoga</a> and outdoor sun salutations. Alternatively, you can simply sit back and enjoy the indoor pool, outdoor waterfalls and other relaxing spaces.</p><p>If Massachusetts is too far from your home, Canyon Ranch also operates a <a data-analytics-id="inline-link" href="https://www.canyonranch.com/tucson" target="_blank">spa in Tucson, Arizona</a>. That resort was named one of the five top wellness hotels in the world by the <a data-analytics-id="inline-link" href="https://www.prnewswire.com/news-releases/canyon-ranch-tucson-named-among-top-five-wellness-hotels-in-the-world-by-the-michelin-guide-302540323.html" target="_blank">Michelin Guide</a>. Other Canyon Ranch locations include <a data-analytics-id="inline-link" href="https://www.canyonranch.com/las-vegas" target="_blank">Las Vegas</a> and a day spa and fitness center in <a data-analytics-id="inline-link" href="https://www.canyonranch.com/fort-worth" target="_blank">Fort Worth, Texas</a>.</p><h2 id="notable-features-6">Notable features:</h2><ul><li>Innovative, expert-led programming: Canyon Ranch is renowned for its distinctive lectures and experiences, featuring guest experts who cover a wide range of topics.</li><li>Indoor and outdoor pools where you can relax or take part in daily aquatic classes</li><li>Healthy cuisine: Canyon Ranch is renowned for crafting delicious, healthy dishes with seasonal specialties and menus centered on fresh, local ingredients.</li></ul><h2 id="treatment-options-and-activities-6">Treatment options and activities:</h2><p>Treatments at Canyon Ranch include classic spa and beauty treatments, such as hot stone massages and facials, as well as unique health and performance options such as acupuncture and Chinese herbal consultations. Additionally, the resort offers mind and spirit treatments, including outdoor soul journeys.</p><p>View the <a data-analytics-id="inline-link" href="https://www.canyonranch.com/lenox/services?pillar=Spa+%26+Beauty" target="_blank"><u>full spa menu</u></a> to explore eastern therapies, energy therapies, metaphysical therapies and more.</p><h2 id="packages-and-costs-6">Packages and costs:</h2><ul><li>Canyon Ranch offers a variety of packages, including both Stay Your Way and designed experiences, such as All You Can Spa and Mystic Soul. Multinight packages start at <a href="https://www.canyonranch.com/offers/extended-stay-offer" target="_blank"><u>$1,000</u></a> to <a href="https://www.canyonranch.com/lenox/experiences/all-you-can-spa" target="_blank"><u>$1,800 per person</u></a> per night.</li><li>Many packages include nightly space and fitness credits of $200 per night and a $300 health and wellness credit for stays lasting three nights or more.</li><li><a href="https://www.canyonranch.com/offers" target="_blank"><u>Special offers are available for longer stays</u></a>, including a $100 nightly discount plus a bonus nightly spa and fitness credit if you choose at least a three-night stay.</li></ul><h2 id="3-mii-amo-sedona-arizona-2">3. Mii amo — Sedona, Arizona</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1473px;"><p class="vanilla-image-block" style="padding-top:75.02%;"><img id="6cA3xCZ3b9CkvN79uMvD8a" name="Mii Amo Shoot 115 Bath with View" alt="A luxury bathroom at Mii amo resort and spa. In the foreground is a beautiful, natural-toned bathroom with a bonsai plant on the counter. A large picture window frames a mountain view." src="https://cdn.mos.cms.futurecdn.net/6cA3xCZ3b9CkvN79uMvD8a.jpg" mos="" align="middle" fullscreen="" width="1473" height="1105" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Mii Amo)</span></figcaption></figure><p>Winner of the <a data-analytics-id="inline-link" href="https://www.travelandleisure.com/worlds-best-awards-2025-destination-spas-11749664" target="_blank">Travel + Leisure World's Best Award in 2025</a>, Mii amo provides an all-inclusive journey that offers the ultimate in self-care.</p><p>From your home base in accommodations featuring private outdoor fireplaces and heated floors, to multiple restaurants, every aspect of Mii amo illustrates the spa's commitment to fostering intentional wellbeing.</p><p>Mii amo completed a $40 million renovation in 2023, adding new casitas, spa experiences, exercise space and the <a data-analytics-id="inline-link" href="https://miiamo.com/sedona-restaurant/hummingbird-menu/" target="_blank">Hummingbird Restaurant</a>. Nestled in Sedona’s Boynton Canyon, the spa draws inspiration from the landscape, with adobe textures, red rock hues and architectural lines that mimic canyon walls.</p><p>Mii amo's nearby sister resort, <a data-analytics-id="inline-link" href="https://go.theflybook.com/book/805/4685e4fc-be6d-4967-84da-a27e54974692/0#/base/805/4685e4fc-be6d-4967-84da-a27e54974692/listview" target="_blank">Enchantment</a>, offers hiking, biking and wine-tasting adventure trips.</p><p>Like the other spas on this list, Mii amo also operates on an all-inclusive model, but takes the concept a step further with multiday journeys that include accommodations, meals, lectures, fitness classes and time spent in private gathering spaces.</p><p>You'll set your intentions for your journey and, with the help and support of your personal guide, can indulge in experiences that foster growth and transformation.</p><h2 id="notable-features-7">Notable features </h2><ul><li>Secluded resort options with just <a href="https://miiamo.com/?NCK=8447630470&gclsrc=aw.ds&gad_source=1&gad_campaignid=23007856722" target="_blank"><u>23 suites and casitas</u></a> available for guests.</li><li>The unique Journey model helps guide you towards deeper healing and self-discovery.</li><li>The <a href="https://miiamo.com/sedona-restaurant/" target="_blank"><u>signature culinary program</u></a> focuses on wellness, with menus built around seasonal produce from nearby gardens, ranches and orchards.</li><li>Robust daily schedule of classes and activities ranging from Zumba to water aerobics to sound baths, lessons on chakras and group hikes.</li><li>The resort is accessible for those with mobility issues. One casita with a king bed is fully <a href="https://www.ada.gov/law-and-regs/design-standards/" target="_blank">ADA-compliant</a>. The surrounding area, however, is rugged.</li></ul><h2 id="treatment-options-and-activities-7">Treatment options and activities</h2><p><a data-analytics-id="inline-link" href="https://miiamo.com/sedona-spa/spa-menu/" target="_blank"><u>Mii amo's spa menu</u></a> includes massage classics such as deep tissue and stone massages, as well as <a data-analytics-id="inline-link" href="https://www.webmd.com/cannabinoids/cbd-pain-relief-massage" target="_blank">CBD </a>and <a data-analytics-id="inline-link" href="https://my.clevelandclinic.org/health/treatments/21768-lymphatic-drainage-massage" target="_blank">lymphatic massages</a>.</p><p>There are also a variety of facials and wraps, including a unique high-desert enzyme wrap and a crystal facial that incorporates the energy-healing properties of gemstones and crystals.</p><p>Mii amo goes beyond the basics, though, with exclusive offerings such as chakra balancing, energy readings and connection ceremonies. A variety of <a data-analytics-id="inline-link" href="https://www.rush.edu/news/what-vibrational-sound-therapy" target="_blank">sound resonance therapies</a> also provide unique opportunities for healing.</p><h2 id="packages-and-costs-7">Packages and costs:</h2><ul><li>Mii amo's packages include journeys <a href="https://miiamo.com/luxury-spa-sedona-reserve-your-journey/" target="_blank"><u>lasting two to seven nights</u></a>, with <a href="https://be.synxis.com/landing?_ga=2.141370226.1146724435.1699301869-546185530.1697495069&_gl=1*aoas6v*_gcl_au*MzM1NTAwNTIwLjE3NTk0MzY3MDE.*_ga*MjA1NzE2NDM3NS4xNzU5NDM2NzAx*_ga_07T3KEF5KX*czE3NTk0NDAxNTEkbzIkZzEkdDE3NTk0NDA2ODIkajYwJGwwJGgw&adult=1&arrive=2026-01-05&chain=8565&child=0&clearcache=all&config=miiamoconfig¤cy=USD&hotel=42087&level=hotel&locale=en-US&productcurrency=USD&rooms=1&theme=miiamotheme" target="_blank"><u>prices ranging</u></a> from around $1,300 to $1,800 per night, depending on the length of stay and the time of year you visit.</li><li>Journeys include room accommodations, three daily meals and spa or trail house credits, as well as consultations and classes.</li><li>All packages include access to private Mii amo gathering spaces, guest lounges and locker rooms.</li></ul><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="4-ojo-santa-fe-santa-fe-new-mexico-2">4. Ojo Santa Fe — Santa Fe, New Mexico</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:75.00%;"><img id="Qjor5sX23imKeLYPP432F8" name="Ojo Santa Fe Resort-112832916" alt="The hills behind at Ojo Caliente Mineral Springs Resort & Spa in Ojo Caliente, New Mexico hold ruins of the Posi Pueblo. (Photo by Phil Velasquez/Chicago Tribune/Tribune News Service via Getty Images)" src="https://cdn.mos.cms.futurecdn.net/Qjor5sX23imKeLYPP432F8.jpg" mos="" align="middle" fullscreen="" width="1024" height="768" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images/Phil Velasquez/Chicago Tribune/Tribune News Service)</span></figcaption></figure><p>For hundreds of years, this award-winning resort and spa has been a destination for those who view water as a form of medicine.</p><p>While the spa's location on 77 acres in New Mexico's high desert might not seem at first glance like the prime location for waterfalls and mineral baths, that's precisely what you'll find at <a data-analytics-id="inline-link" href="https://ojosparesorts.com/ojo-santa-fe/" target="_blank">Ojo Santa Fe</a>. From the saltwater pool to the float tank to the hot spring-fed pools, you can immerse yourself in the water and appreciate its healing properties.</p><p>Activities are held every day, and fine dining is on the menu, but this is the most affordable spa on our list. You'll find fewer guided journeys here and more opportunities to experience the natural landscape. The resort is also a good option for a spa day, with day-soaking packages.</p><h2 id="notable-features-8">Notable features </h2><ul><li>Lush 77-acre resort with hiking trails and impressive desert landscape views.</li><li>Spring-fed thermal pools with legendary healing waters, as well as saltwater pools and float tanks.</li><li>Fine dining at <a href="https://ojosparesorts.com/ojo-santa-fe/restaurant/" target="_blank"><u>Blue Heron Restaurant</u></a>, with seasonal fare incorporating fresh ingredients from the Ojo Caliente Farm and throughout the local Southwest region.</li><li>Daily yoga is included with your stay, featuring mindful morning yoga and classes that incorporate a variety of styles, including <a href="https://health.clevelandclinic.org/what-is-yoga-nidra" target="_blank">nidra</a>, <a href="https://www.webmd.com/balance/difference-between-hatha-and-vinyasa-yoga" target="_blank">hatha</a> and more.</li><li>You might want to skip this resort if you have mobility issues. While the hotel offers ADA-compliant rooms and wheelchairs can access some of the resort, travelers on <a href="https://www.tripadvisor.in/ShowUserReviews-g60958-d8385955-r996659344-Ojo_Santa_Fe_Spa_Resort-Santa_Fe_New_Mexico.html" target="_blank">Tripadvisor</a> report that several amenities and paths are not accessible. Call ahead to discuss your options before booking.</li></ul><h2 id="treatment-options-and-activities-8">Treatment options and activities</h2><p>Ojo Spa is renowned for its distinctive spa rituals and signature services, including scalp massage, hot stone and reflexology foot therapy.</p><p>Sound healing is also available, and soaking in the hot springs is unlimited for spa guests.</p><h2 id="packages-and-costs-8">Packages and costs:</h2><ul><li><a href="https://book.onagilysys.com/onecart/wbe/room/1812/Ojo-Santa-Fe/2025-10-02/2025-10-03/BAR/1"><u>Prices for casitas vary</u></a> but are around $475 per night for two-bedroom accommodations and $318 per night for garden rooms.</li><li>Day soaking options are available on a first-come, first-served basis with no registration required.</li><li>The <a href="https://ojosparesorts.com/special/leisure-longer/" target="_blank"><u>Leisure Longer</u></a> package offers a third night free for guests staying Sunday through Thursday.</li><li>New Mexico residents and those from neighboring states can <a href="https://ojosparesorts.com/specials-packages/" target="_blank"><u>enjoy discounts of up to 20%</u></a>.</li></ul><h2 id="before-you-book-a-spa-retreat-2">Before you book a spa retreat</h2><p>Each of these spa options offers unbeatable relaxation and its own unique features. As you decide which is best for you:</p><ul><li>Consider your goals for your spa retreat, whether you're focused on relaxation, self-care or enrichment.</li><li>Carefully research what's included in each package to understand what spa services and meals are covered in your price.</li><li>Visit during the weekdays to enjoy discounted prices and less crowded spaces.</li><li>Longer stays can allow you to score additional savings and truly immerse yourself in the spa experience.</li><li>If you have mobility or other physical issues, be sure to call ahead to find out if the resort can accommodate you.</li></ul><h3 class="article-body__section" id="section-read-more-retirement-travel-stories"><span>Read More Retirement Travel Stories</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/gorgeous-train-trips-to-enjoy-fall-foliage">Seven Gorgeous Train Trips to Enjoy Fall Foliage</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/unforgettable-road-trips-to-take-in-retirement">11 Unforgettable Road Trips to Take in Retirement</a></li><li><a href="https://www.kiplinger.com/retirement/my-husband-and-i-retired-this-year-at-67-with-usd3-2-million-hes-very-frugal-whenever-we-travel-which-makes-me-resentful">My Husband and I Retired at 67 With $3.2 Million, But He's Frugal About Travel. How Can I Convince Him to Loosen Up?</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/visit-national-parks-in-retirement">Best National Parks to Visit in Retirement</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/happy-retirement/spa-retreats-for-well-heeled-retirees</link> <description> <![CDATA[ We hand-picked these U.S. luxury spa resorts for their serenity, amenities and dedication to the comfort of older travelers. ]]> </description> <guid isPermaLink="false">xnPbehXQtFsTNwosb5rZU5</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/mkwCmFHxFYpBgfrPmaeMbM-1280-80.png" type="image/png" length="0"></enclosure> <pubDate>Sat, 01 Nov 2025 10:06:00 +0000</pubDate> <category><![CDATA[Happy Retirement]]></category> <category><![CDATA[Travel]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Spending]]></category> <category><![CDATA[Leisure]]></category> <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator> <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/mkwCmFHxFYpBgfrPmaeMbM-1280-80.png"> <media:credit><![CDATA[A Weisenmeyer for Mii Amo]]></media:credit> <media:text><![CDATA[The image shows a relaxation room at Mii Amo spa, lit up at sunset. In the foreground are cacti and in the background, mountains and a multi-colored sunset.]]></media:text> <media:title type="plain"><![CDATA[The image shows a relaxation room at Mii Amo spa, lit up at sunset. In the foreground are cacti and in the background, mountains and a multi-colored sunset.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/mkwCmFHxFYpBgfrPmaeMbM-1280-80.png" /> </item> <item> <title><![CDATA[ Four Military Benefits That Have Helped My Family ]]></title> <dc:content><![CDATA[ <p>My husband, Tom, has served for 19 years. Currently, he’s a full-time pilot in the Air National Guard, and he previously spent more than a decade as an active-duty member of the Air Force.</p><p>Military life comes with plenty of challenges: frequent duty-station relocations, irregular work schedules and overseas deployments, to name a few that we’ve been through. But servicemembers also have access to some significant financial benefits. In recognition of Veterans Day this November, I’m sharing below a few that are impactful for my family.</p><h2 id="1-housing-allowance-2">1. Housing allowance</h2><p>One helpful perk is a tax-free subsidy, known as the basic allowance for housing, that covers all or part of your monthly rent or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/real-estate/mortgages">mortgage</a> payment if you don’t live in government-provided housing on a military base. The amount you receive depends on the location of your duty station, your rank and whether you have dependents. You can use the <a data-analytics-id="inline-link" href="https://www.travel.dod.mil/Allowances/Basic-Allowance-for-Housing/BAH-Rate-Lookup/" target="_blank">BAH calculator</a> to look up the value of your subsidy based on those factors.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_7xws2pdR_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="7xws2pdR"> <div id="botr_7xws2pdR_a7GJFMMh_div"></div> </div> </div></div><h2 id="2-free-college-2">2. Free college</h2><p>The Post-9/11 GI Bill covers the full cost of in-state tuition and fees at public <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/careers/college">colleges</a> for up to 36 months (four academic years). Or, if you go to a private or foreign college, you get up to a certain amount per year; for the current academic year, the rate is $29,921. The Post-9/11 GI Bill also provides money for housing, books and supplies, and tutors, among other expenses. Those who served on active duty for at least 36 months or meet certain other requirements are eligible for the full GI Bill benefit.</p><p>One of the best features is that if you’ve served for at least six years and commit to four more, you can transfer your benefits to your spouse or children. Tom has done that, splitting his benefits so that our two young sons will someday be able to use them for their <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-budget-for-college-expenses-beyond-tuition">educational expenses</a>.</p><h2 id="3-retirement-security-2">3. Retirement security</h2><p>Military members can use the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/thrift-savings-plan-contribution-limits">Thrift Savings Plan</a>, a tax-advantaged retirement plan that’s similar to a 401(k). The TSP has low fees, with the expense ratio on its funds recently ranging from 0.036% to 0.051%. Under the military’s blended retirement system (BRS), which went into effect in 2018, servicemembers get an automatic TSP contribution from the government equaling 1% of their basic pay, plus a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/average-401-k-match-do-you-work-for-a-generous-company">matching contribution</a> of up to an additional 4% of pay after you’ve served for two years.</p><p>Pensions have become rare in the private sector. But military members who complete at least 20 years of active-duty service are eligible for a lifetime pension, and the payments start when they exit the military. If you retire at the 20-year mark, the government calculates the average of your highest 36 months of basic pay, and under the BRS, you receive a pension equal to 40% of that amount. For each year you serve beyond 20, you get an additional 2%. (Servicemembers who joined before 2018 and did not opt in to the BRS are eligible for a 50% pension when they reach 20 years of service, with 2.5% added on for each year past 20 — but they don’t get government contributions to the TSP.)</p><h2 id="4-low-cost-life-insurance-2">4. Low-cost life insurance</h2><p>Servicemembers’ Group Life Insurance provides coverage at a low rate regardless of the servicemember’s age or health. To get the maximum $500,000 in coverage, servicemembers pay $26 a month in premiums. Spouses can also get coverage of up to $100,000 through Family SGLI; rates vary by age. A spouse between ages 35 and 39 can get $100,000 in coverage for $4.70 a month.</p><p><em>Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make </em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KPP/kipcomarticles"><u><em>here</em></u></a><em>.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/slideshow/saving/t065-s000-10-best-financial-benefits-for-military-families/index.html">10 Best Benefits for Military Members and Their Families</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/thrift-savings-plan-contribution-limits">Thrift Savings Plan Contribution Limits for 2025</a></li><li><a href="https://www.kiplinger.com/taxes/military-veteran-tax-impact">Do U.S. Military Veterans Get Tax Breaks?</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/family-savings/military-benefits-that-have-helped-my-family</link> <description> <![CDATA[ Military life can be challenging for servicemembers and their families, but they're offered some significant financial benefits to help cushion the blow. ]]> </description> <guid isPermaLink="false">Sj5ywEUoF5o3yC5CuNAmSM</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/VYfMXsuUwyWfntpAX3uEnH-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sat, 01 Nov 2025 10:02:00 +0000</pubDate> <category><![CDATA[Family Savings]]></category> <category><![CDATA[Life Insurance]]></category> <category><![CDATA[College]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Mortgages]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[How To Save Money]]></category> <category><![CDATA[Insurance]]></category> <category><![CDATA[Careers]]></category> <category><![CDATA[Real Estate]]></category> <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author> <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VYfMXsuUwyWfntpAX3uEnH-1280-80.jpg"> <media:credit><![CDATA[Thinkstock]]></media:credit> <media:text><![CDATA[Child hugging a military service member. ]]></media:text> <media:title type="plain"><![CDATA[Child hugging a military service member. ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/VYfMXsuUwyWfntpAX3uEnH-1280-80.jpg" /> </item> <item> <title><![CDATA[ My First $1 Million: Retiree From Sales Industry, 73, South Carolina ]]></title> <dc:content><![CDATA[ <p><em>Welcome to Kiplinger's My First $1 Million series, in which we hear from people who have made $1 million. They're sharing how they did it and what they're doing with it. This time, we hear from a 73-year-old married retiree based in South Carolina. He has three children, nine grandchildren and only just recently retired from the sales industry.</em><em><strong> </strong></em></p><p><em>See our earlier profiles, including a </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/my-first-million-1-writer-new-england"><em>writer in New England</em></a><em>, a </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/my-first-million-2-literacy-interventionist-colorado"><em>literacy interventionist in Colorado</em></a><em>, a </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/my-first-million-3-semiretired-entrepreneur-nashville"><em>semiretired entrepreneur in Nashville</em></a><em> and an </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/my-first-million-4-events-industry-ceo-northern-new-jersey"><em>events industry CEO in Northern New Jersey</em></a><em>. (</em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/tag/my-first-dollar1-million"><em>See all of the profiles here.</em></a><em>)</em></p><p><em>Each profile features one person or couple, </em><em><strong>who will always be completely anonymous to readers</strong></em><em>, answering questions to help our readers learn from their experience.</em></p><p><em>These features are intended to provide a window into how different people build their savings — they're not intended to provide financial advice.</em></p><h3 class="article-body__section" id="section-the-basics"><span>THE BASICS</span></h3><h2 id="how-did-you-make-your-first-1-million-2">How did you make your first $1 million?</h2><p>Making a million was never an objective. We have always been disciplined savers, active investors, always lived below our means and never carried any <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/credit-cards/how-to-pay-off-credit-card-debt">credit card debt</a>.</p><p>Making our first million was just an accumulation of all of the above. It was never about the dollars, more about the accomplishment.</p><h2 id="what-are-you-doing-with-the-money-2">What are you doing with the money?</h2><p>Currently, we really are not doing anything different. Still saving, investing, living below our means and no credit card debt.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="c9iXVKUsrZQfU6q2NMwnPH" name="crane and cash GettyImages-669880950" alt="A crane appears to be constructing a hundred-dollar bill." src="https://cdn.mos.cms.futurecdn.net/c9iXVKUsrZQfU6q2NMwnPH.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>However, we are actively working with an estate attorney to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/601651/legacy-planning-create-a-lasting-legacy">build a financial legacy</a> for our children and future generations, as well as a charitable legacy that will make <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/charitable-contributions-frequently-asked-questions">charitable contributions</a> long after we are gone.</p><h3 class="article-body__section" id="section-the-fun-stuff"><span>THE FUN STUFF</span></h3><h2 id="did-you-do-anything-to-celebrate-2">Did you do anything to celebrate?</h2><p>Not that I can remember. It just kind of snuck up on us. I think it happened back in the early 2000s, some 20-plus years ago. I'm sure I called my father.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="6mQVtvzH5crYXckLMKiZbV" name="high five GettyImages-1127568145" alt="A man and woman high-five, only their hands showing." src="https://cdn.mos.cms.futurecdn.net/6mQVtvzH5crYXckLMKiZbV.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>My wife and I probably kissed, gave each other high fives, then woke up the next morning and went to work, raised our children and got on with life.</p><h2 id="what-is-the-best-part-of-making-1-million-2">What is the best part of making $1 million?</h2><p>Having a million in a brokerage account certainly offers a great deal of security and financial independence. It allowed us to look beyond just our immediate financial needs and to focus on long-term needs and to be strategic in our long-term planning for generational wealth and charitable giving.</p><p>Going forward, one of the greatest unexpected results was the rate of acceleration to reach additional levels of wealth. I may not know the day we reached our first million, but I do remember <em>the year</em> when the growth of our stock portfolio exceeded our annual salaries.</p><p>Then later, there was <em>the month</em> when the growth in our stock portfolio exceeded our annual salary. Then <em>the week</em>, and now there are <em>days</em> that our stock portfolios' growth exceeds our annual salaries.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="psGFQsuxauBSzstVHQe5AK" name="fireworks GettyImages-1860053810" alt="Multiple fireworks exploding over a harbor." src="https://cdn.mos.cms.futurecdn.net/psGFQsuxauBSzstVHQe5AK.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>And then last year, our stock portfolio growth exceeded the accumulation of our 50-year working career income. We are sincerely grateful, overwhelmed and humbled by this whole process.</p><h2 id="did-your-life-change-2">Did your life change?</h2><p>Not really. We still live in the same home we purchased 40 years ago. Still buy late-model used cars, still saving and investing.</p><h2 id="did-you-retire-early-2">Did you retire early?</h2><p>No, just retired this year at 73, after a 50-year working career. I was fortunate to have worked with great people, representing wonderful manufacturers, selling products and services that brought exceptional value to our customers.</p><h2 id="what-are-your-retirement-plans-2">What are your retirement plans?</h2><p>Actually, before retiring, we began traveling more and plan to continue taking a domestic and an international trip each year.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="UjLr9DSB2jPZoXvpKKizBU" name="Denmark GettyImages-1858028655" alt="A hand holds an ice cream cone against the backdrop of boats and homes in Denmark." src="https://cdn.mos.cms.futurecdn.net/UjLr9DSB2jPZoXvpKKizBU.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>We are looking forward to spending meaningful time with family and friends.</p><p>Also, I am involved with a nonprofit that works with young adults to introduce them to proven financial principles and concepts that will give them the information and knowledge to make sound financial decisions and to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/wealth-creation/ways-to-grow-your-wealth">grow personal wealth</a>.</p><h3 class="article-body__section" id="section-looking-back"><span>LOOKING BACK</span></h3><h2 id="anything-you-would-do-differently-2">Anything you would do differently?</h2><p>Not really. No regrets.</p><h2 id="did-you-work-with-a-financial-adviser-2">Did you work with a financial adviser?</h2><p>Occasionally, from time to time, we worked with a financial adviser, but we haven't in years. I do, however, enjoy working with <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/jenntorres/" target="_blank">Jennifer Torres</a>, a senior wealth manager at Charles Schwab. She is very supportive and a wonderful resource. I highly recommend her.</p><h2 id="did-anyone-help-you-early-on-2">Did anyone help you early on? </h2><p>Absolutely, I was fortunate to have grown up in a family where financial discipline and responsibility were lived out each day. I don't remember any formal instructions, but I do remember those opportunities for learning that my parents took full advantage of.</p><p>I may have been 10 to 12 years old, and my passion was baseball. I had an old hand-me-down baseball glove from a cousin that was probably handed down to him. It was terrible, worn out and falling apart.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="DebtUUZMwZRHd4xjwV44sk" name="baseball mitt GettyImages-79252733" alt="A baseball mitt and baseball sitting on green grass." src="https://cdn.mos.cms.futurecdn.net/DebtUUZMwZRHd4xjwV44sk.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>I went to my dad and asked if he would purchase me a new glove. Seeing an opportunity for instruction, my father offered to pay half, and I would be responsible for the balance from my weekly allowance.</p><p>I do not remember how much my allowance was. However, I do remember that the first 10% went in the offering plate at church each Sunday, the second 10% went in a savings account, and the balance was all mine to splurge as I saw fit.</p><p>Given this opportunity, I was confronted with some choices. I couldn't continue purchasing more baseball cards, enjoying the Coke and cinnamon bun on my way home from school each afternoon and my weekly splurge, the after-lunch Popsicle on Fridays, if I ever hoped to save enough to purchase a new baseball glove.</p><p>Several lessons learned:</p><ul><li>Setting priorities</li><li>Wants vs needs</li><li>Deferred gratification</li></ul><h3 class="article-body__section" id="section-looking-ahead"><span>LOOKING AHEAD</span></h3><h2 id="any-advice-for-others-trying-to-make-their-first-1-million-2">Any advice for others trying to make their first $1 million?</h2><p>Start early. The secret is investing consistently over a long time. Remember, the first million is the hardest.</p><p>If you are fortunate to have children or grandchildren, consider setting up a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/family-savings/where-to-save-your-kids-cash">custodial Roth IRA</a> when they get their first job as a teenager.</p><p>I know it's not the "cool" clothes or the "hot" car. However, it is a gift that grows in value and will have a significant influence on their financial futures. They will thank you later.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="RkztD398c4Cznk8mSfQJ2n" name="money growing GettyImages-1466736797" alt="Dollar bills seem to grow out of the dirt with new trees." src="https://cdn.mos.cms.futurecdn.net/RkztD398c4Cznk8mSfQJ2n.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><h2 id="do-you-have-an-estate-plan-2">Do you have an estate plan?</h2><p>Yes. This is something our accountant encouraged us to do some years ago. Very informative and encouraging. A must as personal wealth grew.</p><p><em>If you have made $1 million or more and would like to be anonymously featured in a future My First $1 Million profile, please fill out and submit </em><a data-analytics-id="inline-link" href="https://forms.gle/5VefEwxDUZDE1WJ86" target="_blank"><em>this Google Form</em></a><em> or send an email to </em><a data-analytics-id="inline-link" href="mailto:myfirstmillion@futurenet.com"><em>MyFirstMillion@futurenet.com</em></a><em> to receive the questions. We welcome all stories that add up to $1 million or more in your accounts, although we will use discretion in which stories we choose to publish, to ensure we share a diversity of experiences. We also might want to verify that you really do have $1 million. Your answers may be edited for clarity.</em></p><h3 class="article-body__section" id="section-related-content"><span>RELATED CONTENT</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/can-you-retire-at-60-with-1-million-dollars-saved">You're 62 Years Old With $1 Million Saved: Can You Retire?</a></li><li><a href="https://www.kiplinger.com/personal-finance/earn-one-million-dollars-more-over-your-lifetime-by-doing-this">Want to Earn $1 Million More Over Your Lifetime? Do This</a></li><li><a href="https://www.kiplinger.com/retirement/tax-planning-strategies-if-you-have-a-million-dollars">Do You Have at Least $1 Million in Tax-Deferred Investments?</a></li><li><a href="https://www.kiplinger.com/personal-finance/605075/are-you-rich">Are You Rich? U.S. Net Worth Percentiles Can Provide Answers</a></li><li><a href="https://www.kiplinger.com/personal-finance/how-average-is-your-net-worth">Compare Your Net Worth by Age</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/my-first-million-26-sales-industry-retiree-south-carolina</link> <description> <![CDATA[ Ever wonder how someone who's made a million dollars or more did it? Kiplinger's My First $1 Million series uncovers the answers. ]]> </description> <guid isPermaLink="false">chhQTNs26SLn7WxLaSeSz8</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/CuNbnGeFd2mekoUX7Durx3-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sat, 01 Nov 2025 10:00:00 +0000</pubDate> <category><![CDATA[Personal Finance]]></category> <author><![CDATA[ joyce.lamb@futurenet.com (Joyce Lamb) ]]></author> <dc:creator><![CDATA[ Joyce Lamb ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CuNbnGeFd2mekoUX7Durx3-1280-80.jpg"> <media:credit><![CDATA[null]]></media:credit> <media:text><![CDATA[My First $1 Million logo]]></media:text> <media:title type="plain"><![CDATA[My First $1 Million logo]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/CuNbnGeFd2mekoUX7Durx3-1280-80.jpg" /> </item> <item> <title><![CDATA[ Why More Americans Are Redefining Retirement, Just Like I Did ]]></title> <dc:content><![CDATA[ <p>For generations, the American Dream meant working diligently for decades, building a nest egg or earning a pension and retiring in your early 60s to enjoy a life of leisure.</p><p>This became increasingly popular following Social Security's introduction of early retirement at age 62. It was a milestone workers could count on, a promise of stability and a reward after a lifetime of work.</p><p>But today, retirement is less about a fixed age or generic formula and more about choice. <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/economy/rising-prices-which-goods-and-services-are-driving-inflation">Rising living costs</a> and market shifts are real, yet just as important are the personal questions: <em>What do I want these years to look like? How will I remain fulfilled?</em></p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><p>In 2025, 70% of pre-retirees over 50 indicated they are rethinking or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/americans-are-retiring-later">delaying their planned retirement date</a>, according to a recent <a data-analytics-id="inline-link" href="https://www.fglife.com/news/retirement-survey-2025">survey from F&G</a>, a life insurance and annuity provider.</p><p>In fact, almost a quarter (23%) said they are <em>definitely</em> putting retirement on hold, up 14% from 2024 — this just goes to show how people nearing retirement age are growing more worried about both financial readiness and personal fulfillment.</p><p>However, there is a way for American investors to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/how-confident-retirees-think-differently-about-their-future">regain confidence</a> in their outlook: By shifting the focus from a purely financial decision to a holistic view of the life they desire, pre-retirees can reclaim confidence and approach retirement not as a deadline, but as a new chapter on their own terms.</p><h2 id="what-grade-would-you-give-yourself-2">What grade would you give yourself?</h2><p>Retirement looks different for everyone, and many aren't giving themselves the highest marks when self-assessing their readiness.</p><p>As someone who previously retired and then <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/retired-and-going-back-to-work-avoid-these-pitfalls">returned to full-time work</a>, I know what it's like to question your original plans and wonder whether you're making the "right" choice.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><p>Notably, this year's survey found that when grading themselves on their financial readiness for retirement, only 26% of respondents gave themselves an A — and 32% gave themselves a C or worse.</p><p>This underscores that <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-key-decisions-to-make">making retirement decisions</a> is significant, although not everyone is consulting a financial professional before making those big choices. Alarmingly, 47% are not currently using a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/hiring-a-financial-adviser-questions-to-ask">financial adviser</a>, compared with 43% in 2024.</p><h2 id="personal-fulfillment-plays-a-role-2">Personal fulfillment plays a role</h2><p>But financial readiness isn't the only part of the equation. Many Americans feel they are falling short in terms of how fulfilled they are in retirement. Just 28% graded themselves an A when it comes to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/601460/fulfilling-ways-to-spend-your-time-in-retirement">personal fulfillment</a>, while another 28% gave themselves a C or worse.</p><p>This reflects something that weighs heavily on many Americans' minds: How will I keep my sense of personal fulfillment when I stop working?</p><p>After being in the workforce for so many years, breaking that routine can be a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/the-first-year-of-retirement-rule">harsh adjustment</a>.</p><p>I experienced this feeling myself — when I first retired, what drew me back to the workforce wasn't financial pressures, but the desire for a challenge, sense of purpose, and the camaraderie that comes from being part of a team.</p><p>It's a reminder that retirement is not just about reaching a number, but about creating a life that continues to feel meaningful.</p><p>As true as it is in school, it's OK to ask for a tutor to make the grade. Making retirement decisions is complex and important, and financial professionals can play a key role in advising you on how to meet both your personal and financial goals.</p><p>After all, retirement isn't just about <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/average-retirement-savings-by-age">how much you have saved</a>, but what your life will actually look like in retirement.</p><p>Financial professionals can help guide you to align your financial plans with the kind of lifestyle you truly want in your later years.</p><h2 id="turning-market-volatility-into-opportunity-2">Turning market volatility into opportunity</h2><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning-volatility-doesnt-have-to-spell-trouble">Market volatility</a> is nothing new, but its impact is especially disruptive for individuals on the brink of leaving the workforce.</p><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/why-gen-x-is-rethinking-retirement">Gen X is particularly vulnerable</a> — while half of our survey respondents cited economic volatility as the reason that they're pushing back retirement or returning to work, nearly two-thirds (64%) of Gen X made the same claim.</p><p>For those about to retire, volatility isn't some abstract concept — it's directly shaping the timing and structure of their next chapter.</p><p>However, building a flexible, resilient <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning">retirement plan</a> can ease these concerns.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>As a former financial adviser, I encourage you to familiarize yourself with your financial landscape: the state of your spending, savings, investments and any anticipated <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/ways-to-generate-retirement-income">income streams</a> you may have lined up — whether through part-time work for financial or personal reasons.</p><p>From there, identify gaps in your current plan, explore alternative income sources, and prioritize spending in alignment with long-term goals.</p><p>One retirement tool I find many Americans often overlook is <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/annuities">annuities</a>, which give investors the opportunity to pursue growth potential with an added layer of protection.</p><p>In fact, our survey found that only 26% of American investors over age 50 own one.</p><p>An annuity can help ease the burden of market fluctuations on a portfolio while providing peace of mind that one's savings can be structured into a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/income-planning-is-the-key-to-retirement-peace-of-mind">guaranteed income stream</a> for life.</p><p>That being said, everyone's retirement journey looks different, and a financial professional can help determine whether an annuity fits into your overall plan.</p><h2 id="regaining-confidence-in-your-retirement-plan-2">Regaining confidence in your retirement plan</h2><p>While economic volatility and financial market uncertainty may complicate your original retirement plans, a proactive and intentional approach can help put you back in the driver's seat.</p><p>Don't be reactive or wait — take the initiative to speak with a financial professional to help design a road map tailored to your needs.</p><p>After all, it's critical to remember that retirement planning isn't all about numbers. The 33% of respondents who cited not wanting to feel a lack of purpose as their reason for <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/thinking-about-unretiring-youre-not-alone">considering "unretiring"</a> understand that it's about envisioning the life you want to live.</p><p>Spend time clarifying your priorities, whether it be <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/travel/travel-in-retirement-what-to-know">traveling</a>, spending time with loved ones, or picking up a part-time job to feel a sense of purpose.</p><p>By intertwining your financial plan with your personal goals, you ultimately create a more holistic roadmap that balances security with fulfillment, helping you make choices with confidence as opposed to anxiety and uncertainty.</p><p><em>Note: This survey was conducted online by ROI Rocket. The survey was fielded from May 9th to May 26th, 2025, among a nationally representative sample of 2,000 U.S. adults. Respondents were Americans ages 50+, who are financial decision-makers and have $100K+ in financial products/savings.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/why-more-retirees-might-come-out-of-retirement">Why More Retirees Might Come Out of Retirement</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/should-you-retire-at-62">Want To Retire at 62? See if You Can Answer These Six Questions</a></li><li><a href="https://www.kiplinger.com/retirement/magic-number-to-retire-comfortably">What Is the Magic Number to Retire Comfortably?</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/habits-for-a-happy-retirement">Eight Habits for a Happy Retirement</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/thought-id-be-set-but-my-money-isnt-buying-the-retirement-i-imagined">I Thought I'd Be Set, But My $3 Million Isn't Buying the Retirement I Imagined. What Should I Do?</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/retirement-planning/why-more-americans-are-redefining-retirement</link> <description> <![CDATA[ Retirement readiness requires more than just money. You have a lot of decisions to make about what kind of life you want to live and how to make it happen. ]]> </description> <guid isPermaLink="false">y4WLtei332c9f7S2jdfU6n</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/DNybVVkeBVqAC2TkDLezLK-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sat, 01 Nov 2025 09:35:00 +0000</pubDate> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <dc:creator><![CDATA[ Chris Blunt ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DNybVVkeBVqAC2TkDLezLK-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[An older man sits in front of his laptop at his desk at home.]]></media:text> <media:title type="plain"><![CDATA[An older man sits in front of his laptop at his desk at home.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/DNybVVkeBVqAC2TkDLezLK-1280-80.jpg" /> </item> <item> <title><![CDATA[ 3 Major Changes Investors Must Prepare for in 2026 ]]></title> <dc:content><![CDATA[ <p>There's never a dull moment for investors, between the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/17494/next-week-earnings-calendar-stocks"><u>earnings calendar</u></a>, economic data and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/when-is-the-next-fed-meeting"><u>Fed meetings</u></a>. These days, the breakneck speed at which news hits the wires means we need to stay even more nimble.</p><p>Some of these developments — such as the rapid shifts in tariff policy and on-again, off-again trade wars — are especially nerve-racking for investors tracking their portfolios. Others, including new tax-free <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/family-savings/should-you-start-a-trump-account-for-your-child"><u>Trump Accounts</u></a> for kids, are a little less stress-inducing.</p><p>Here, we take a closer look at some of the major changes coming for investors in the months ahead. Depending on your situation, one or all these issues might directly impact your financial life — and if there's anything this year has taught us, it's to be informed and prepared.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><h2 id="1-beware-the-market-bubble-2">1. Beware the market bubble</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1280px;"><p class="vanilla-image-block" style="padding-top:62.50%;"><img id="NnVDtaoQCsdjxyFTJjbre5" name="bubble.jpg" alt="bubble" src="https://cdn.mos.cms.futurecdn.net/NnVDtaoQCsdjxyFTJjbre5.jpg" mos="" align="middle" fullscreen="" width="1280" height="800" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>This is a wildly exciting time to be an investor. The S&P 500 is up nearly 40% from its early April lows, and the growth in all things related to artificial intelligence (AI) has been off the charts.</p><p>That said, this market is starting to look a little frothy … and it's <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/how-to-spot-a-bubble"><u>looking more like a bubble</u></a> with every passing day.</p><p>The S&P 500 trades at a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-is-a-pe-ratio-and-how-do-i-use-it-in-investing"><u>price-to-earnings (P/E) ratio</u></a> of 31, making it one of the most expensive markets in history by that metric. The index trades at a price-to-sales (P/S) ratio of 3.4, making it <em>literally</em> the single most expensive market in history.</p><p>Much of this is due to the outsize influence of the technology sector in the S&P 500, as <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/best-tech-stocks-to-buy"><u>tech stocks</u></a> tend to have higher valuations. Technology makes up about a third of the S&P 500 today, whereas it comprised about 15% of the index in 1999, near the end of the dot-com bubble.</p><p>Looking at individual stocks gives you even more extreme valuations. Palantir Technologies (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=PLTR" target="_blank">PLTR</a>) trades for roughly 650 times earnings, and Nvidia (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NVDA" target="_blank">NVDA</a>) for well over 55.</p><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/600938/bull-markets-10-things-you-must-know"><u>Bull markets</u></a> don't end simply because stocks become expensive, and bubbles have a way of inflating far beyond what most investors believe possible. There is no guarantee that the market will implode within the next 12 months.</p><p>That said, given how extreme valuations are getting, investors should keep a close eye on their portfolios and look for opportunities to rebalance to manage risk.</p><p>As <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/michael-taylor-cfa-8989a87" target="_blank"><u>Michael Taylor</u></a>, investment strategy analyst, and <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/emilytodd10" target="_blank"><u>Emily Todd</u></a>, wealth and investment management analyst at Wells Fargo Investment Institute, remind us, "concentration risk is an often overlooked yet crucial aspect of asset management. Portfolios with sizable exposures — whether to an individual security or asset, sector or subsector, or geographic region — are vulnerable to significant losses."</p><h2 id="2-trump-accounts-free-money-for-your-kids-2">2. Trump Accounts: Free money for your kids</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="GNxFRMeWEcamciHjS8saqK" name="trump bill GettyImages-2223602542" alt="President Donald Trump, joined by Republican lawmakers, signs the One, Big Beautiful Bill Act into law during an Independence Day military family picnic on the South Lawn of the White House on July 04, 2025" src="https://cdn.mos.cms.futurecdn.net/GNxFRMeWEcamciHjS8saqK.jpg" mos="" align="middle" fullscreen="" width="1024" height="683" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Samuel Corum/Getty Images)</span></figcaption></figure><p>In what is arguably one of the biggest changes to the financial planning landscape since the introduction of the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/insurance/t027-s001-10-things-you-need-to-know-about-hsas/index.html"><u>Health Savings Account</u></a> (HSA) in 2004, Congress passed legislation over the summer that paved the way for new "Trump Accounts" for American children.</p><p>The accounts have some similarities with traditional <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/traditional-ira/602169/traditional-ira-basics-contributions-rmds"><u>IRAs</u></a>, as well as <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/careers/college/603628/529-plan-faqs"><u>529 college savings plans</u></a>. They also have some quirks that make them unique.</p><p>The most important part first: All children born from January 1, 2025, to December 31, 2028, will be eligible for a $1,000 seed payment directly from the U.S. Treasury.</p><p>Assuming the account grows at the S&P 500's average compound annual return of around 10%, that $1,000 initial deposit would be worth more than $490,000 by the time your kid hits <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/603439/whats-my-social-security-full-retirement-age"><u>retirement age</u></a>. If it falls short of that figure, who cares? It's free money.</p><p>If you're a new parent or expect to be, keep your eyes open for more information on Trump Accounts. They're expected to be available starting July 4, 2026; details about how to open an account should be available soon.</p><h2 id="3-an-entirely-new-way-to-trade-stocks-2">3. An entirely new way to trade stocks</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1965px;"><p class="vanilla-image-block" style="padding-top:77.61%;"><img id="KGP4fEnKgsBXG82ZuATNc7" name="tokenized-stocks-GettyImages-1870491585" alt="tokenized stocks written on a yellow street sign with a cloudy sky behind it" src="https://cdn.mos.cms.futurecdn.net/KGP4fEnKgsBXG82ZuATNc7.jpg" mos="" align="middle" fullscreen="" width="1965" height="1525" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The crypto ecosystem might be on the cusp of challenging traditional stock exchanges for the first time.</p><p>The U.S. Securities and Exchange Commission (SEC) is <a data-analytics-id="inline-link" href="https://finance.yahoo.com/news/sec-pushes-plan-stocks-trade-200125153.html" target="_blank"><u>reportedly</u></a> exploring ways to allow company shares to trade on <a data-analytics-id="inline-link" href="https://www.investopedia.com/terms/b/blockchain.asp" target="_blank">blockchain</a>, similar to bitcoin and other <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/cryptocurrency/what-is-cryptocurrency"><u>cryptocurrencies</u></a>.</p><p>This could be a very big deal for the industry because it has the potential to break Wall Street's monopoly on public listings. Companies could now possibly bypass Wall Street altogether.</p><p>Some pioneers, such as crypto-centric Robinhood Markets (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=HOOD" target="_blank">HOOD</a>), are already trading a limited number of <a data-analytics-id="inline-link" href="https://robinhood.com/eu/en/support/articles/about-stock-tokens/" target="_blank"><u>tokenized stocks</u></a>. Approval by the SEC could turn this trickle into a flood.</p><p>For most investors, the benefits will be somewhat limited. Trading on blockchain won't be materially cheaper than trading on the New York Stock Exchange (NYSE) or the Nasdaq. The bigger story here is that it opens the door to large-scale tokenization of other assets that don't have a liquid market, such as real estate or <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-is-a-hedge-fund-and-should-i-invest-in-one"><u>hedge funds</u></a>.</p><p>The SEC isn't known for moving particularly fast, but we could have real news here before the end of the year.</p><p>This isn't the only potential change being cooked up by the regulators. The SEC is reportedly close to dismantling the $25,000 minimum equity rule for <a data-analytics-id="inline-link" href="https://www.investopedia.com/terms/p/patterndaytrader.asp" target="_blank">pattern day trading</a>.</p><p>Following the 2000 crash of the dot-com bubble, the SEC required that investors have a balance of at least $25,000 in a margin account to make four or more <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-is-day-trading"><u>day trades</u></a> within a five-business-day window. Regulators wanted to prevent excessive risk-taking by smaller rank-and-file investors.</p><p>What will the result be?</p><p>A lot more short-term trading by smaller investors.</p><p>There's nothing inherently wrong with short-term trading. If done in a disciplined manner, it's not necessarily riskier than buy-and-hold investing.</p><p>The introduction of a legion of inexperienced traders into a market already resembling a bubble should give us pause. Consider this one more reason to keep an eye on the risk you're taking as we head into the new year.</p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/stocks/what-the-rich-know-about-investing-that-you-dont">What the Rich Know About Investing That You Don't</a></li><li><a href="https://www.kiplinger.com/slideshow/investing/t041-s001-the-6-best-vanguard-funds-to-own-in-a-bear-market/index.html">The Five Safest Vanguard Funds to Own in a Volatile Market</a></li><li><a href="https://www.kiplinger.com/investing/best-blue-chip-dividend-stocks-to-buy">Best Blue Chip Dividend Stocks to Buy for 2026 and Beyond</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/2026-investing-changes</link> <description> <![CDATA[ A possible stock market bubble. Trump accounts. Tokenized stocks. These are just three developments investors need to be aware of in the coming months. ]]> </description> <guid isPermaLink="false">iGBvYj5vrfS3ZbZ3BTfsfW</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/YG5uGbxTvx7AzjHhWx4eGh-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sat, 01 Nov 2025 09:32:00 +0000</pubDate> <category><![CDATA[Investing]]></category> <dc:creator><![CDATA[ Charles Lewis Sizemore, CFA ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YG5uGbxTvx7AzjHhWx4eGh-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[2026 calendar with the 2 and 0 in red and the 2 and 6 in blue]]></media:text> <media:title type="plain"><![CDATA[2026 calendar with the 2 and 0 in red and the 2 and 6 in blue]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/YG5uGbxTvx7AzjHhWx4eGh-1280-80.jpg" /> </item> <item> <title><![CDATA[ A Compelling Case for Why Property Investing Reigns Supreme, From a Real Estate Investing Pro ]]></title> <dc:content><![CDATA[ <p>As an experienced real estate investor who has witnessed countless market cycles and navigated the intricacies of tax-advantaged investing, I can confidently assert <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/strategies-to-defer-capital-gains-in-real-estate-investing">real estate investing</a> offers superior returns compared to traditional investment vehicles.</p><p>While financial advisers routinely recommend <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/604421/why-you-need-to-be-diversified-to-protect-your-portfolio">diversified portfolios</a> of stocks and bonds, groundbreaking research and decades of tax policy innovations have created a compelling case for making real estate the cornerstone of any serious investment strategy.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><h2 id="the-data-speaks-real-estate-s-historical-dominance-2">The data speaks: Real estate's historical dominance</h2><p>The most comprehensive analysis of investment returns ever conducted, titled <a data-analytics-id="inline-link" href="https://www.frbsf.org/wp-content/uploads/sites/4/wp2017-25.pdf" target="_blank">The Rate of Return on Everything, 1870-2015</a>, revolutionizes our understanding of asset class performance.</p><p>This Federal Reserve Bank of San Francisco study examined over 145 years of investment data across major asset classes, revealing findings that challenge conventional wisdom about <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-is-asset-allocation">portfolio allocation</a>.<br> <br>The research found that residential real estate delivered superior risk-adjusted returns compared to stocks, <em>while demonstrating significantly lower volatility</em>.</p><p>Over the entire study period, real estate achieved returns exceeding 8% annually after <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/inflation">inflation</a>, outpacing stocks while maintaining half the volatility of equity markets.</p><p>This "having your cake and eating it too" scenario represents the holy grail of investing: higher returns with lower risk.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>Even when limiting the data to the modern era, post-World War II, real estate continued to demonstrate its superiority. Housing consistently outperformed bonds and Treasuries by substantial margins, while matching or exceeding stock market returns.</p><p>This consistency across different economic periods underscores real estate's fundamental strength as an investment vehicle.<br> <br>The study's findings become even more compelling when considering real estate markets remain largely uncorrelated globally, unlike increasingly interconnected stock markets.</p><p>This insulation provides additional portfolio protection during <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/market-downturns-ways-to-safeguard-your-portfolio">market downturns</a>, as property values in different geographic regions don't move in lockstep like international equity markets tend to do.</p><h2 id="the-power-of-leverage-amplifying-returns-through-strategic-financing-2">The power of leverage: Amplifying returns through strategic financing</h2><p>While the San Francisco Fed's study examined unleveraged real estate returns, the true power of real estate investing emerges when incorporating strategic leverage.</p><p>Unlike stock market investing, where <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-is-margin-trading">margin loans</a> carry significant risks and limitations, real estate allows investors to safely amplify returns through mortgage financing.</p><p>Consider a property generating 8% annual returns, purchased with 75% financing at 6% interest. The investor's <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/average-rate-of-return-vs-actual-rate-of-return">actual return</a> on invested capital reaches about 14% annually, significantly outpacing what's achievable in traditional markets without assuming excessive risk.</p><p>This leverage advantage remains sustainable because real estate provides steady cash flow to service debt obligations while appreciating in value over time.</p><p>Moreover, real estate leverage is non-recourse in most cases, meaning lenders can claim the property itself only if problems arise, protecting investors' other assets.</p><p>This contrasts sharply with margin investing in stocks, where losses can exceed initial investments and trigger devastating margin calls, a phenomenon that can wipe out even the savviest of <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-can-accredited-investors-do">accredited investors</a> (and the examples of this are many — such as when <a data-analytics-id="inline-link" href="https://www.investopedia.com/terms/l/longtermcapital.asp" target="_blank">Long-Term Capital Management collapsed</a> and Credit Suisse's <a data-analytics-id="inline-link" href="https://www.reuters.com/business/finance/ubs-agrees-pay-388-million-over-credit-suisses-archegos-failings-2023-07-24/" target="_blank">Archegos Capital Management defaulted</a>).</p><h2 id="tax-advantages-the-real-estate-investor-s-secret-weapon-2">Tax advantages: The real estate investor's secret weapon</h2><p>While pretax returns favor real estate, the post-tax comparison reveals an even more dramatic advantage.</p><p>Real estate enjoys numerous tax benefits unavailable to stock and bond investors, creating superior after-tax returns that compound over time.<br> <br>Annual depreciation deductions shelter rental income from taxation, effectively providing tax-free cash flow during ownership.</p><p>This phantom expense reduces taxable income without requiring actual cash outlays, creating an immediate advantage over <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks-with-the-highest-dividend-yields-in-the-sandp-500">dividend-paying stocks</a> that generate fully taxable income.</p><p>Capital gains treatment provides favorable tax rates upon sale, but real estate's true tax advantage lies in strategies unavailable to traditional investors.</p><p>These preferential treatments transform good pretax returns into exceptional after-tax wealth accumulation.</p><h2 id="the-1031-exchange-deferring-taxes-to-infinity-2">The 1031 exchange: Deferring taxes to infinity</h2><p>The most powerful tool in real estate investing remains the Section 1031 like-kind exchange, which allows investors to <a data-analytics-id="inline-link" href="https://provident1031.com/how-a-phone-call-saved-my-friend-over-50000-using-a-1031-exchange" target="_blank">defer capital gains taxes</a> indefinitely by reinvesting sale proceeds into replacement properties.</p><p>This strategy, often called "defer till you die" or "<a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/real-estate/t055-c032-s014-1031-exchange-should-you-swap-till-you-drop.html">swap till you drop</a>," enables investors to compound their returns without tax drag, potentially over multiple decades.<br> <br>Consider an investor who purchases a $200,000 property that appreciates to $400,000 over 10 years. Rather than selling and paying $40,000 in capital gains taxes (assuming a 20% rate), a <a data-analytics-id="inline-link" href="https://provident1031.com/the-magic-of-1031-exchanges" target="_blank">1031 exchange</a> allows the entire $400,000 to purchase replacement property.</p><p>Over multiple exchange cycles, this tax deferral creates exponential wealth accumulation that's impossible through traditional investing.</p><p>The mathematics are compelling. An investor executing <a data-analytics-id="inline-link" href="https://www.kiplinger.com/real-estate/1031-exchange-rules-you-need-to-know">1031 exchanges</a> every seven years over a 30-year period can accumulate about 40% more wealth than someone paying taxes on each transaction.</p><p>This advantage compounds over time, creating <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/generational-wealth-plans-arent-just-for-rich-people">generational wealth</a> that far exceeds what's achievable through traditional buy-and-hold stock investing.</p><p>Multiple exchanges magnify this benefit. Sophisticated investors often execute three to five exchanges over their investing careers, each time upgrading to larger, more valuable properties while deferring substantial tax obligations.</p><p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning-how-basis-step-up-rule-works">stepped-up basis provision</a> means heirs inherit these properties at fair market value, permanently eliminating the deferred tax liability.</p><h2 id="qualified-opportunity-zones-accelerating-after-tax-returns-2">Qualified opportunity zones: Accelerating after-tax returns</h2><p>The Tax Cuts and Jobs Act (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/what-is-the-tcja">TCJA</a>) in 2017 created <a data-analytics-id="inline-link" href="https://provident1031.com/guide-to-qualified-opportunity-zones-qoz-oz" target="_blank">qualified opportunity zones</a> (QOZs), offering additional advantages for real estate investors willing to invest in <a data-analytics-id="inline-link" href="https://www.hud.gov/opportunity-zones#close" target="_blank">designated economically distressed areas</a>.</p><p>These zones provide a pair of distinct tax benefits that further enhance real estate's appeal.<br> <br>First, investors can <a data-analytics-id="inline-link" href="https://provident1031.com/1031-exchange-vs-qualified-opportunity-zones" target="_blank">defer capital gains taxes</a> from any source by investing proceeds into QOZ properties, providing flexibility beyond traditional 1031 exchanges. (Current law defers these capital gains taxes until December 31, 2026, although proposed legislation may extend that deadline.)</p><p>In addition, and even more significantly, any appreciation within the QOZ investment itself becomes <em>permanently tax-free</em> if held for 10 years.<br> <br>These benefits stack with traditional real estate advantages, creating unprecedented after-tax return potential. An investor might defer $100,000 in stock market gains by purchasing QOZ real estate, then eliminate taxes entirely on any property appreciation through the 10-year provision.</p><h2 id="risk-adjusted-performance-the-true-measure-of-investment-success-2">Risk-adjusted performance: The true measure of investment success</h2><p>Superior returns mean little without considering risk, where real estate demonstrates additional advantages over traditional investments.</p><p>Real estate provides multiple income streams — rental income, appreciation, tax benefits and principal paydown through tenant payments — creating diversification within a single asset class.</p><p>Market volatility affects real estate less dramatically than stocks. While stock prices can fluctuate 20% to 30% annually, real estate values typically move more gradually, providing stability for <a data-analytics-id="inline-link" href="https://provident1031.com/qualified-opportunity-zones" target="_blank">long-term wealth building</a>.</p><p>This stability proves particularly valuable for investors <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/nearing-retirement-dos-donts-and-a-never">approaching retirement</a> who cannot afford significant portfolio volatility.<br> <br>Real estate also provides inflation protection unavailable in bonds or fixed-income investments. As costs rise, rental income and property values typically increase proportionally, maintaining purchasing power over time.</p><p>This inflation hedge becomes increasingly valuable when traditional "safe" investments fail to preserve wealth. (There's a longer conversation to be had about whether U.S. Treasuries still constitute a "safe" investment as the national debt spirals over <a data-analytics-id="inline-link" href="https://www.usdebtclock.org/" target="_blank">$37 trillion</a> … but that's for another article.)</p><h2 id="implementation-strategy-building-a-real-estate-centric-portfolio-2">Implementation strategy: Building a real estate-centric portfolio</h2><p>Successful real estate investing requires systematic implementation rather than sporadic property purchases. Start with investment-grade rental properties in stable markets with strong rental demand and consistent appreciation patterns.</p><p>Focus on properties generating positive cash flow from day one while offering appreciation potential.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>For accredited investors seeking to begin or expand their real estate portfolios, <a data-analytics-id="inline-link" href="https://provident1031.com/dsts-attract-real-estate-investors-in-droves">Delaware statutory trusts</a> (DSTs) provide an excellent entry point into institutional-grade properties.</p><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/real-estate/real-estate-investing/604703/whats-a-dst-the-lowdown-for-real-estate-investors">DSTs</a> allow investors to acquire fractional ownership in high-quality commercial real estate assets — such as Class A office buildings, retail centers or multifamily complexes — that would typically require millions of dollars to purchase individually.</p><p>These professionally managed investments provide access to premium properties with experienced operators handling day-to-day management responsibilities.</p><p>Importantly, DST interests qualify as replacement properties for 1031 exchanges, enabling investors to defer capital gains while transitioning from hands-on property management to <a data-analytics-id="inline-link" href="https://provident1031.com/exchange-real-estate-headaches-for-passive-income" target="_blank">passive real estate ownership</a>.</p><p>Gradually scale the portfolio through strategic acquisitions, utilizing both cash flow and periodic refinancing to fund expansion. Execute 1031 exchanges when properties reach optimal sale timing, typically every seven to 10 years, to defer taxes and upgrade holdings.</p><p>Consider diversification across property types and geographic markets to minimize risk while maximizing return potential.</p><p>Single-family rentals, small multifamily properties and commercial real estate each offer unique advantages depending on market conditions and investor expertise, and all can be acquired individually, or as part of a <a data-analytics-id="inline-link" href="https://provident1031.com/passive-real-estate-investing-with-a-dst" target="_blank">DST investment</a>.</p><h2 id="conclusion-the-evidence-based-case-for-real-estate-superiority-2">Conclusion: The evidence-based case for real estate superiority</h2><p>The combination of superior historical returns, favorable leverage opportunities, exceptional tax advantages and lower volatility creates an overwhelming case for real estate-centric investment strategies.</p><p>Academic research confirms real estate's historical outperformance while demonstrating lower risk characteristics compared to traditional investments.</p><p>Strategic use of 1031 exchanges amplifies these advantages by eliminating tax drag over multiple investment cycles, enabling wealth accumulation impossible through traditional approaches.</p><p>DSTs can improve returns even more, by enabling investors to upgrade the quality of their holdings even while throttling back on day-to-day property management.</p><p>QOZs provide additional acceleration for investors willing to target specific geographic areas.<br> <br>While past performance provides no guarantee of future results, the fundamental drivers of real estate's superiority — limited supply, consistent demand, leverage availability and preferential tax treatment — remain intact.</p><p>These structural advantages suggest real estate's outperformance will continue benefiting knowledgeable investors who understand how to harness these powerful wealth-building tools.</p><p>The data is clear: <a data-analytics-id="inline-link" href="https://provident1031.com/">Real estate investing</a>, enhanced by strategic tax planning through 1031 exchanges, Delaware statutory trusts and opportunity zone investments, offers superior risk-adjusted returns compared to traditional investment alternatives.</p><p>Investors seeking optimal long-term wealth accumulation should seriously consider making real estate the foundation of their investment strategy.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/real-estate/real-estate-investing/new-opportunity-zone-rules-triple-tax-benefits-for-rural-investments">New Opportunity Zone Rules Triple Tax Benefits for Rural Investments: Here's Your 2027 Strategy</a></li><li><a href="https://www.kiplinger.com/taxes/strategies-to-defer-capital-gains-in-real-estate-investing">Five Strategies to Defer Capital Gains in Real Estate Investing</a></li><li><a href="https://www.kiplinger.com/investing/how-you-can-invest-like-warren-buffett-an-experts-guide">I'm an Investing Expert: This Is How You Can Invest Like Warren Buffett</a></li><li><a href="https://www.kiplinger.com/kiplinger-advisor-collective/signs-you-might-be-ready-for-real-estate-investing">Eight Signs You Might Be Ready to Start Investing in Real Estate</a></li><li><a href="https://www.kiplinger.com/real-estate/real-estate-investing/geographic-arbitrage-1031-exchange-strategy">This 1031 Exchange Strategy Can Triple Your Cash Flow</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/real-estate/real-estate-investing/why-property-investing-reigns-supreme</link> <description> <![CDATA[ Investment data show real estate's superior risk-adjusted returns and unprecedented tax advantages through strategies like 1031 exchanges and opportunity zones. ]]> </description> <guid isPermaLink="false">fWZRLorvfhs2XZzLP4yU3E</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/8n3QhaxZ9bw69jGBp6SKhn-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Sat, 01 Nov 2025 09:30:00 +0000</pubDate> <category><![CDATA[Real Estate Investing]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Tax Planning]]></category> <category><![CDATA[Real Estate]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <category><![CDATA[Taxes]]></category> <author><![CDATA[ dgoodwin@providentwealthllc.com (Daniel Goodwin) ]]></author> <dc:creator><![CDATA[ Daniel Goodwin ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8n3QhaxZ9bw69jGBp6SKhn-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[An illustration of houses getting subsequently taller in red, blue and teal.]]></media:text> <media:title type="plain"><![CDATA[An illustration of houses getting subsequently taller in red, blue and teal.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/8n3QhaxZ9bw69jGBp6SKhn-1280-80.jpg" /> </item> <item> <title><![CDATA[ Stocks Close Out Strong Month With Solid Amazon Earnings: Stock Market Today ]]></title> <dc:content><![CDATA[ <p>Stocks opened higher Friday as <strong>Amazon.com's</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=AMZN" target="_blank">AMZN</a>) impressive results helped ease concerns that big spending on artificial intelligence (AI) isn't bearing fruit. Today's gains had all three main indexes closing out the historically volatile month of October with impressive returns.</p><p>At the close, the blue-chip <strong>Dow Jones Industrial Average</strong> was up 0.09% at 47,562, the broader <strong>S&P 500</strong> was 0.3% higher at 6,840, and the tech-heavy <strong>Nasdaq Composite</strong> had added 0.6% to 23,724. For the month, the benchmarks rose between 2.5% and 5%.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-market-overview.js" async>{"source":"marketOverview","id":"ebc268ae-5ca5-40d4-a4c8-fd2fcb86d61b","colorTheme":"light","dateRange":"12M","showChart":true,"locale":"en","largeChartUrl":"","isTransparent":false,"showSymbolLogo":true,"showFloatingTooltip":false,"width":"400","height":"550","plotLineColorGrowing":"rgba(41, 98, 255, 1)","plotLineColorFalling":"rgba(41, 98, 255, 1)","gridLineColor":"rgba(240, 243, 250, 0)","scaleFontColor":"rgba(19, 23, 34, 1)","belowLineFillColorGrowing":"rgba(41, 98, 255, 0.12)","belowLineFillColorFalling":"rgba(41, 98, 255, 0.12)","belowLineFillColorGrowingBottom":"rgba(41, 98, 255, 0)","belowLineFillColorFallingBottom":"rgba(41, 98, 255, 0)","symbolActiveColor":"rgba(41, 98, 255, 0.12)","tabs":[{"title":"Indices","originalTitle":"Indices","symbols":[{"d":"S&P 500 Index","s":"FOREXCOM:SPXUSD"},{"d":"Dow Jones Industrial Average Index","s":"FOREXCOM:DJI"},{"d":"Nasdaq Composite","s":"NASDAQ:IXIC"}]},{"title":"Futures","originalTitle":"Futures","symbols":[{"d":"S&P 500","s":"CME_MINI:ES1!"},{"d":"Euro","s":"CME:6E1!"},{"d":"Gold","s":"COMEX:GC1!"},{"d":"WTI Crude Oil","s":"NYMEX:CL1!"},{"d":"Gas","s":"NYMEX:NG1!"},{"d":"Corn","s":"CBOT:ZC1!"}]},{"title":"Bonds","originalTitle":"Bonds","symbols":[{"d":"T-Bond","s":"CBOT:ZB1!"},{"d":"Ultra T-Bond","s":"CBOT:UB1!"},{"d":"Euro Bund","s":"EUREX:FGBL1!"},{"d":"Euro BTP","s":"EUREX:FBTP1!"},{"d":"Euro BOBL","s":"EUREX:FGBM1!"}]},{"title":"Forex","originalTitle":"Forex","symbols":[{"d":"EUR to USD","s":"FX:EURUSD"},{"d":"GBP to USD","s":"FX:GBPUSD"},{"d":"USD to JPY","s":"FX:USDJPY"},{"d":"USD to CHF","s":"FX:USDCHF"},{"d":"AUD to USD","s":"FX:AUDUSD"},{"d":"USD to CAD","s":"FX:USDCAD"}]}],"realType":"embed"}</script></div><p>Amazon helped boost all three indexes, climbing 9.6% after its third-quarter results. The e-commerce giant beat on both the top and bottom lines and said revenue in its Amazon Web Services cloud segment was up 20% year over year.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>"We continue to see strong momentum and growth across Amazon as AI drives meaningful improvements in every corner of our business," said Amazon CEO Andy Jassy in the <a data-analytics-id="inline-link" href="https://ir.aboutamazon.com/news-release/news-release-details/2025/Amazon-com-Announces-Third-Quarter-Results/default.aspx" target="_blank"><u>earnings release</u></a>. "AWS is growing at a pace we haven't seen since 2022."</p><p>The company also raised its full-year capital expenditures forecast – to $125 billion from $118 billion – and Chief Financial Officer Brian Olsavsky expects spending to be even higher next year.</p><p>"We'll continue to make significant investments, especially in AI, as we believe it to be a massive opportunity with the potential for strong returns on invested capital over the long term," said Olsavsky on the earnings call.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"278e42b2-c260-484b-8eee-4237dacfe6dd","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:AMZN","realType":"embed"}</script></div><h2 id="apple-edges-higher-after-earnings-2">Apple edges higher after earnings</h2><p><strong>Apple</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=AAPL" target="_blank">AAPL</a>) bounced between positive and negative territory in Friday's session, eventually closing down 0.4%.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"1bb45250-2795-4b13-b2e4-72370005617c","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:AAPL","realType":"embed"}</script></div><p>Late Thursday, the tech giant reported higher-than-expected fiscal fourth-quarter earnings and revenue. It also gave a strong revenue forecast for its fiscal first quarter.</p><p>But Wall Street seemed a little worried about softer-than-expected iPhone revenue and weak sales in China.</p><p>"Tariffs continue to remain a headwind to margins," says Wedbush analyst <a data-analytics-id="inline-link" href="https://www.wedbush.com/analysts/daniel-ives/" target="_blank"><u>Daniel Ives</u></a>, although he notes that the majority of iPhones being sold in the U.S. are now produced in India, "given the complex Trump tariff backdrop."</p><p>Ives reiterated his Outperform (Buy) rating on the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/605147/hedge-funds-top-blue-chip-stocks-to-buy-now"><u>blue chip stock</u></a> and raised his price target to $320 from $310 – representing implied upside of more than 18% to current levels – on "increased confidence in the Apple growth story as the iPhone 17 launch is off to a great start heading into the key holiday December quarter in the U.S. and China."</p><h2 id="exxon-hikes-its-dividend-for-a-43rd-straight-time-2">Exxon hikes its dividend for a 43rd straight time</h2><p>Over in the energy sector, <strong>Exxon Mobil</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=XOM" target="_blank">XOM</a>, -0.3%) reported third-quarter earnings of $1.88 per share on revenue of $3.4 billion, beating analysts' estimates even as oil prices slumped more than 4% over the three-month period.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"8b546574-0d70-43a5-bee2-e8a287199cd5","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:XOM","realType":"embed"}</script></div><p>"We delivered the highest earnings per share we've had compared to other quarters in a similar oil-price environment," said Exxon CEO Darren Woods in the <a data-analytics-id="inline-link" href="https://d1io3yog0oux5.cloudfront.net/_a48b48681ae7b96413dfcb4d6c7bd5ee/exxonmobil/db/2288/22477/earnings_release/3Q25+Earnings+Press+Release+Website.pdf" target="_blank"><u>earnings release</u></a>. "In Guyana, we broke records with quarterly production surpassing 700,000 barrels per day," and "we also set another production record of nearly 1.7 million oil-equivalent barrels per day [in the Permian basin]."</p><p>Exxon also hiked its quarterly dividend by 4% to $1.03 per share, marking the 43rd straight year its raised its payout.</p><p>Why is this important to investors?</p><p>"Shares in companies that raise their payouts like clockwork decade after decade can produce superior total returns (price change plus dividends) over the long run, even if they sport apparently ho-hum yields to begin with," writes Kiplinger contributor Dan Burrows in his feature "<a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/dividend-stocks/best-dividend-stocks-you-can-count-on"><u>Best Dividend Stocks to Buy for Dependable Dividend Growth</u></a>."</p><p>Case in point: Over the past 12 months, XOM is down 1.9% on a price basis, but when you add in the dividend, its total return is +2%.</p><h2 id="netflix-splits-its-stock-2">Netflix splits its stock</h2><p>In non-earnings news, <strong>Netflix</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NFLX" target="_blank">NFLX</a>) jumped 2.7% after the streaming giant announced a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-netflix-stocks-10-for-1-split-means-for-investors"><u>10-for-1 stock split</u></a>. This marks the third stock split for Netflix: a 2-for-1 split on February 11, 2004, then a 7-for-1 on July 14, 2015.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"6a6e06b1-1cbb-4e61-9967-8f2bbf92b94a","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:NFLX","realType":"embed"}</script></div><p>"The purpose of the stock split is to reset the market price of the Company's <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-is-common-stock"><u>common stock</u></a> to a range that will be more accessible to employees who participate in the Company's stock option program," Netflix said in its <a data-analytics-id="inline-link" href="https://ir.netflix.net/investor-news-and-events/financial-releases/press-release-details/2025/Netflix-Announces-Ten-For-One-Stock-Split/default.aspx" target="_blank"><u>press release</u></a>.</p><p>The split won't change anything about the company's fundamentals or market valuation. Rather, it's similar to making change. In NFLX's case, it will be equivalent to breaking a $10 bill into 10 $1 bills.</p><p>Based on NFLX's October 31 close at $1,118.86, the 10-for-1 stock split will bring the share price to about $112.</p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/stocks/what-the-rich-know-about-investing-that-you-dont">What the Rich Know About Investing That You Don't</a></li><li><a href="https://www.kiplinger.com/investing/stocks/17494/next-week-earnings-calendar-stocks">Earnings Calendar and Analysis for November 3-7</a></li><li><a href="https://www.kiplinger.com/investing/economy/this-weeks-economic-calendar">Kiplinger's Economic Calendar and Analysis for November 3-7</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/stocks-close-out-strong-month-with-solid-amazon-earnings-stock-market-today</link> <description> <![CDATA[ Amazon lifted its spending forecast as its artificial intelligence (AI) initiatives create "a massive opportunity." ]]> </description> <guid isPermaLink="false">zgaamQafFFTLwUec5J52YU</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/fymnkdGzBu5cmbuqCAYpFQ-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 20:12:09 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <author><![CDATA[ karee.venema@futurenet.com (Karee Venema) ]]></author> <dc:creator><![CDATA[ Karee Venema ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fymnkdGzBu5cmbuqCAYpFQ-1280-80.jpg"> <media:credit><![CDATA[Ömer Sercan Karku/Anadolu via Getty Images]]></media:credit> <media:text><![CDATA[Amazon store is seen at Promenade Street in Davos, Switzerland ]]></media:text> <media:title type="plain"><![CDATA[Amazon store is seen at Promenade Street in Davos, Switzerland ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/fymnkdGzBu5cmbuqCAYpFQ-1280-80.jpg" /> </item> <item> <title><![CDATA[ I Just Paid Off My Car. Can I Downgrade My Car Insurance Now? ]]></title> <dc:content><![CDATA[ <p><strong>Question</strong>: I just paid off my car. Can I downgrade my car insurance now?</p><p><strong>Answer: </strong>Many lenders require you to maintain full coverage for the life of your car loan. Once you've paid it off, you're free to choose the coverage you want for your car – as long as you meet your state's minimum coverage requirements.</p><p>Still, with few exceptions, it's probably a good idea to keep full coverage even though it's no longer required.</p><p>Here's what you can do to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/insurance/ways-seniors-save-car-insurance">save on car insurance</a> after paying off your car and why downgrading from full coverage probably isn't worth it.</p><h2 id="you-can-drop-gap-insurance-now-2">You can drop gap insurance now</h2><p>Gap insurance is an important type of coverage to have while you're still making loan payments. If <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/car-insurance/my-car-was-totaled-should-i-keep-it-or-buy-a-new-one">your car was totaled</a> while you still owed on that loan, gap insurance would pay off the balance so you don't have to keep making payments on a car you no longer have.</p><p>However, once your car is paid off, there's no reason to pay for gap insurance. Call your insurer, and drop this coverage right after you make that final payment on your car loan. This will shave a few bucks off of your premiums.</p><h2 id="you-probably-shouldn-t-drop-comprehensive-and-collision-insurance-2">You probably shouldn't drop comprehensive and collision insurance</h2><p>The most dramatic savings you'd get are from downgrading your car insurance to just the minimum coverage required by your state. In general, this means dropping comprehensive and collision coverage.</p><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/insurance/t004-c000-s001-comprehensive-a-grab-bag-of-coverages.html">Comprehensive coverage</a> pays for damages or losses that happen when you're not driving. For example, if your <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/car-insurance/what-to-do-if-your-car-is-stolen">car was stolen</a> or a tree fell on it, this is the coverage you'd need if you wanted your insurance company to pay for that.</p><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/insurance/t004-c000-s001-collision-coverage-don-t-take-chances.html">Collision coverage</a> pays for damages to your car in three main types of accidents:</p><ul><li>Collisions with other vehicles in which you're found at fault. Your liability coverage pays for the other person's damages. Collision coverage would pay for damages to your car.</li><li>Single-vehicle accidents, such as hitting a telephone pole or guardrail.</li><li>Collisions that happen while your car is parked, such as a hit-and-run.</li></ul><p>While both types of car insurance are optional, skipping this coverage means you'd be paying out of pocket to repair your car or buy a new one in all these situations.</p><p>Even if you have a healthy emergency fund, it often makes more financial sense to have insurance pay for these risks so that you can preserve that fund for other kinds of emergencies like a job loss, major home repairs or unexpected medical bills.</p><h2 id="your-newly-paid-off-car-is-likely-worth-too-much-to-risk-dropping-full-coverage-2">Your newly paid off car is likely worth too much to risk dropping full coverage</h2><p>At a certain point, most cars will eventually depreciate enough that the current market value is only a few thousand dollars. At that point, you can safely <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/car-insurance/dropping-full-coverage-on-older-car">drop to minimum coverage car insurance</a> because full coverage wouldn't pay you much anyway. Your newly paid off car probably isn't old enough for that just yet.</p><p>Here's some math to understand why (and how much longer you might have to wait for downgrading insurance to make sense). According to <a data-analytics-id="inline-link" href="https://www.kbb.com/car-depreciation/" target="_blank">Kelley Blue Book</a>, new cars lose about 30% of their value in the first two years after driving off the lot. After that initial drop off, they depreciate at a slower rate of around 8% to 12% per year.</p><p>Meanwhile, the average car loan term is about <a data-analytics-id="inline-link" href="https://www.bankrate.com/loans/auto-loans/how-long-should-your-car-loan-be/" target="_blank">68 months</a>, or about five and a half years. If you bought a new car, then it likely lost about 60% of its value from the date you bought it to the date you paid off your loan.</p><p>This year, the average amount paid for a new car hit <a data-analytics-id="inline-link" href="https://mediaroom.kbb.com/2025-10-13-Kelley-Blue-Book-Report-New-Vehicle-Average-Transaction-Price-Hits-Record-High-in-September,-Surges-Past-50,000-for-the-First-Time-Ever" target="_blank">$50,000</a>. You might have paid a bit less than that five and a half years ago. Using that amount as a ballpark figure, your car's current market value is likely around $20,000.</p><p>If you bought a used car, that initial 30% dip already happened before you got it. But it still depreciated 8% to 12% per year in the five and a half years that you were paying off the loan. According to Kelley Blue Book, you might have paid around <a data-analytics-id="inline-link" href="https://www.kbb.com/car-news/average-used-car-price-rises-slightly/" target="_blank">$25,000</a> for it, meaning it would be worth around $14,000 by the time you paid it off.</p><p>Based on current average car insurance rates, dropping to minimum coverage would save you about $1,800 per year. Even with that used car, it would take nearly eight years of premium savings to make up that $14,000 worth of coverage you're giving up.</p><p>That's nearly eight years of being vulnerable to the risk of car theft, weather-related damage, hit-and-runs and other problems that aren't included in minimum coverage policies. With a new car, it'd be nearly 14 years.</p><div class="product star-deal"><a data-dimension112="cd4b8c0b-e70c-439b-ab34-6d355b36386c" data-action="Star Deal Block" data-label="View Offers" data-dimension48="View Offers" href="https://www.myfinance.com/reporting/32358519/?mf_utm_campaign=kiplinger-limu-link&sub_id=https://www.kiplinger.com/personal-finance/car-insurance/i-just-paid-off-my-car-can-i-downgrade-my-car-insurance-now" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2689px;"><p class="vanilla-image-block" style="padding-top:59.87%;"><img id="xye6UxBN9GKh7sPfJ5Utih" name="LiMu and Doug Couch Pose" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/xye6UxBN9GKh7sPfJ5Utih.jpg" mos="" align="middle" fullscreen="" width="2689" height="1610" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><p>LiMu Emu & Doug™ are on a mission to customize your insurance so you only pay for what you need. It only takes minutes to see how much you could save. </p><p><a href="https://www.myfinance.com/reporting/32358519/?mf_utm_campaign=kiplinger-limu-link&sub_id=https://www.kiplinger.com/personal-finance/car-insurance/i-just-paid-off-my-car-can-i-downgrade-my-car-insurance-now" target="_blank" rel="nofollow" data-dimension112="cd4b8c0b-e70c-439b-ab34-6d355b36386c" data-action="Star Deal Block" data-label="View Offers" data-dimension48="View Offers" data-dimension25=""><strong>View Offers</strong></a></p><p><em>*Based on Liberty Mutual Online Mystery Shopper Survey, December 2021</em></p></div><h2 id="the-choice-comes-down-to-your-risk-tolerance-2">The choice comes down to your risk tolerance</h2><p>Downgrading your car insurance ultimately depends on your personal risk tolerance. If you have the cash on hand to pay for a new car if this one is damaged beyond repair and you're comfortable with the possibility of that happening, pocket those premium savings by dropping to minimum coverage.</p><p>However, if suddenly needing to fork over thousands to buy a car would wipe out your emergency fund or otherwise be a financial strain, it's better to keep full coverage for now.</p><div class="product star-deal"><p>Get more insurance tips and other personal finance insights straight to your inbox. Subscribe to our daily newsletter, <a href="https://www.kiplinger.com/business/get-a-step-ahead" data-dimension112="bffdfb66-4dc5-4589-8b35-4b3cf778952e" data-action="Star Deal Block" data-label="A Step Ahead" data-dimension48="A Step Ahead" data-dimension25=""><strong>A Step Ahead</strong></a>.</p></div><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/car-insurance/the-100-000-mile-rule-in-car-insurance-to-avoid-overpaying-for-coverage-you-dont-need">Can the 100,000 Mile Rule in Car Insurance Help You Avoid Overpaying for Coverage You Don’t Need?</a></li><li><a href="https://www.kiplinger.com/personal-finance/car-insurance/is-your-car-driving-up-your-insurance-premium">Is Your Car Model Driving Up Your Insurance Premium?</a></li><li><a href="https://www.kiplinger.com/personal-finance/car-insurance/you-retired-and-stopped-commuting-how-do-you-lower-car-insurance-costs">You Retired and Stopped Commuting. How Do You Lower Car Insurance Costs?</a></li><li><a href="https://www.kiplinger.com/article/cars/t004-c000-s002-reshop-your-car-insurance.html">How to Switch Your Car Insurance</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/car-insurance/i-just-paid-off-my-car-can-i-downgrade-my-car-insurance-now</link> <description> <![CDATA[ You've gotten rid of that car payment. Can you save even more by downgrading your car insurance? Here's what to consider. ]]> </description> <guid isPermaLink="false">tPmjb5SDiqifujrZzFE9bL</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/QyZDnKaLiT4tMM73sK4VGe-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 15:41:01 +0000</pubDate> <category><![CDATA[Car Insurance]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Insurance]]></category> <dc:creator><![CDATA[ Rachael Green ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QyZDnKaLiT4tMM73sK4VGe-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A middle-aged woman drives a car, with a senior man in the passenger seat. ]]></media:text> <media:title type="plain"><![CDATA[A middle-aged woman drives a car, with a senior man in the passenger seat. ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/QyZDnKaLiT4tMM73sK4VGe-1280-80.jpg" /> </item> <item> <title><![CDATA[ Is Wireless Home Internet Right for You? ]]></title> <dc:content><![CDATA[ <p>For decades, getting home internet meant scheduling a technician, drilling holes, running cables and setting up a bulky modem. But that model is changing fast.</p><p>Carriers such as T-Mobile and Verizon are betting that wireless home internet, powered by the same 5G networks that run your smartphone, can deliver reliable broadband without the wires, contracts or hidden fees that frustrate customers.</p><p><a data-analytics-id="inline-link" href="https://www.t-mobile.com/home-internet/deals?INTNAV=tNav%3AInternetDeals" target="_blank" rel="nofollow">T-Mobile’s 5G Home Internet</a> has quickly become one of the leading options, appealing to households looking to lower their monthly bills or skip installation headaches. Before you make the switch, here’s what to know about how it works and how it stacks up against traditional cable and fiber connections.</p><h2 id="how-wireless-home-internet-works-2">How wireless home internet works</h2><p>Wireless home internet delivers broadband through the same cellular towers that serve mobile phones. Instead of using coaxial cables or fiber-optic lines, a home router (often called a gateway) connects to a nearby cell tower and broadcasts Wi-Fi throughout your home.</p><p>It’s different from tethering your phone or using a mobile hotspot. Wireless gateways are built for stationary whole-home use with larger antennas and stronger receivers. You can stream, browse or video chat much such as you would on a cable or fiber connection, although speeds can vary based on your distance from the tower and the strength of your carrier’s network.</p><p>The technology, known as fixed wireless access, is growing quickly as carriers such as T-Mobile, Verizon and AT&T expand their coverage.</p><h2 id="what-to-expect-from-t-mobile-5g-home-internet-2">What to expect from T-Mobile 5G Home Internet</h2><p>T-Mobile’s service uses its nationwide 5G and 4G LTE network to deliver high-speed internet to your home. Setup is simple. Plug in the gateway, download the T-Mobile Internet app and follow the prompts. There’s no need for a technician or special wiring, and you can often be online within minutes.</p><p>The plan costs $60 a month or $40 with an eligible <a data-analytics-id="inline-link" href="https://www.t-mobile.com/resources/how-to-join-us?gclsrc=aw.ds&&cmpid=MGPO_PG_P_24VIPKNSW_16643630_135032620785_770240308492&gad_source=1&gad_campaignid=16905361634&gbraid=0AAAAAD79WuVh4q3vPbGZY0MHSbbgs67X_&gclid=Cj0KCQjwvJHIBhCgARIsAEQnWlDWI-NZeiQnh4o-QbgemUZFWNIPGnmY9zfn37hUHW8n1q_pLbHvVzwaAmK6EALw_wcB" target="_blank">Magenta MAX phone plan</a>. That price includes equipment, taxes and fees. T-Mobile’s Price Lock guarantee means your rate won’t increase while you remain a customer. There are no data caps, long-term contracts or installation fees.</p><p>Typical download speeds range from 72 to 245 Mbps (megabits per second), though some users report faster speeds depending on network conditions. That’s fast enough for HD (high-definition) streaming and remote work, although it might not offer the same consistency as a fiber line.</p><p>T-Mobile also offers a 15-day free trial so you can test the service before committing. If you cancel within that window, you’ll receive a full refund.</p><div class="product star-deal"><a data-dimension112="21c65a33-01ef-4b28-ba60-d2e1d6652683" data-action="Star Deal Block" data-label="55+ phone plan" data-dimension48="55+ phone plan" href="https://www.t-mobile.com/home-internet/deals?INTNAV=tNav%3AInternetDeals" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:700px;"><p class="vanilla-image-block" style="padding-top:53.57%;"><img id="yf9CUVVDpZzGuL4fPmHhbn" name="T-Mobile Home Internet" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/yf9CUVVDpZzGuL4fPmHhbn.jpg" mos="" align="middle" fullscreen="" width="700" height="375" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><div><span class="product__star-deal-label">FOR AGES 55+</span><p><strong>Save on your internet when you bundle.</strong></p><p>Pay as little as $30/month per line, plus taxes and fees, when you bundle home internet with any <a href="https://www.t-mobile.com/commerce/cell-phone-plans/unlimited-55-senior-discount-plans?icid=HEIS_ISW_U_25HSIBND55_E261CCED89C7D5D942786" data-dimension112="21c65a33-01ef-4b28-ba60-d2e1d6652683" data-action="Star Deal Block" data-label="55+ phone plan" data-dimension48="55+ phone plan" data-dimension25=""><u>55+ phone plan</u></a>. <a class="view-deal button" href="https://www.t-mobile.com/home-internet/deals?INTNAV=tNav%3AInternetDeals" target="_blank" rel="nofollow" data-dimension112="21c65a33-01ef-4b28-ba60-d2e1d6652683" data-action="Star Deal Block" data-label="55+ phone plan" data-dimension48="55+ phone plan" data-dimension25="">View Deal</a></p></div></div><h2 id="weighing-simplicity-against-performance-2">Weighing simplicity against performance</h2><p>As with most things, it’s important to weigh the pros and cons and think about what fits your lifestyle. Here are some advantages to consider.</p><p><strong>Ease of setup</strong></p><p>One of the biggest benefits is convenience. You can install it yourself without an appointment or special equipment. The all-in-one gateway replaces both a modem and router, and the app helps you find the best spot in your home for signal strength. There’s no drilling or wiring, which makes it a great option for renters.</p><p><strong>Transparent pricing</strong></p><p>T-Mobile’s flat monthly rate covers everything with no rental fees, surcharges or unexpected taxes.</p><p><strong>Cost savings</strong></p><p>Many households save $20 to $50 a month compared with traditional broadband, especially when bundling with an existing T-Mobile phone plan.</p><p><strong>Portability</strong></p><p>If you move within a covered area, you can take the gateway with you. That flexibility is a big advantage for renters, college students or anyone who relocates often.</p><div class="product star-deal"><p>Get smart tips on saving, spending and investing delivered straight to your inbox. </p><p>Sign up for Kiplinger’s<a href="https://www.kiplinger.com/business/get-a-step-ahead" data-dimension112="9dacf1e4-ab49-45bd-8099-9f3ac156b0cd" data-action="Star Deal Block" data-label="" data-dimension48="" data-dimension25=""> <u>A Step Ahead newsletter</u></a>.</p></div><h2 id="variable-speeds-and-reliability-2">Variable speeds and reliability</h2><p>Despite its benefits, wireless home internet isn’t a perfect fit for everyone. Here are some potential drawbacks to keep in mind.</p><p><strong>Speed fluctuations</strong></p><p>Because it relies on cell towers, performance can vary based on your location, signal strength and network congestion. During peak hours, you might notice slower speeds.</p><p><strong>Higher latency</strong></p><p>Latency, the delay between sending and receiving data, is often higher than with fiber connections. Gamers or professionals who depend on video conferencing might experience occasional lag.</p><p><strong>Data prioritization</strong></p><p>In congested areas, mobile carriers might prioritize smartphone traffic over home internet users. Your connection could slow temporarily when the network is busy.</p><p><strong>Coverage limitations</strong></p><p>Not all addresses qualify for service, and rural customers might still connect through 4G LTE (fourth generation long term evolution) instead of full 5G speeds. Always check coverage maps and test the service before canceling your existing provider.</p><h2 id="internet-options-at-a-glance-2">Internet options at a glance</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="LLbCVG67N7EPVqHbzCcTLG" name="GettyImages-2175850721" alt="A couple using a laptop to connect with family and friends." src="https://cdn.mos.cms.futurecdn.net/LLbCVG67N7EPVqHbzCcTLG.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>When comparing home internet services, the best choice often depends on your needs, budget and location. Wireless home internet offers convenience and flexibility, while cable and fiber deliver higher speeds and consistency. Here’s how the main options stack up at a glance.</p><div ><table><tbody><tr><td class="firstcol " ><p><strong>Feature</strong></p></td><td ><p><strong>T-Mobile 5G Wireless</strong></p></td><td ><p><strong>Cable Internet</strong></p></td><td ><p><strong>Fiber Internet</strong></p></td></tr><tr><td class="firstcol " ><p><strong>Speed range</strong></p></td><td ><p>72 – 245 Mbps</p></td><td ><p>100 – 1000 Mbps</p></td><td ><p>500 – 5000 Mbps</p></td></tr><tr><td class="firstcol " ><p><strong>Upload speed</strong></p></td><td ><p>15 – 50 Mbps</p></td><td ><p>10 – 35 Mbps</p></td><td ><p>100 – 1000 Mbps</p></td></tr><tr><td class="firstcol " ><p><strong>Installation</strong></p></td><td ><p>Plug - and - play</p></td><td ><p>Technician required</p></td><td ><p>Technician required</p></td></tr><tr><td class="firstcol " ><p><strong>Contracts</strong></p></td><td ><p>None</p></td><td ><p>12 – 24 months</p></td><td ><p>12 – 24 months</p></td></tr><tr><td class="firstcol " ><p><strong>Monthly cost</strong></p></td><td ><p>$40 – $60</p></td><td ><p>$50 – $120</p></td><td ><p>$70 – $150</p></td></tr><tr><td class="firstcol " ><p><strong>Best for</strong></p></td><td ><p>Light to moderate users</p></td><td ><p>Families</p></td><td ><p>Power users, remote work</p></td></tr></tbody></table></div><p>Fiber remains the gold standard for speed and reliability, but it’s expensive and not widely available. While cable is more consistent than wireless, it often comes with contracts and fees. Wireless home internet wins on simplicity and value, especially for simple everyday use.</p><h2 id="who-should-consider-wireless-home-internet-2">Who should consider wireless home internet?</h2><p>Wireless home internet makes sense for:</p><ul><li>Renters or households tired of contracts and fees</li><li>Families with moderate streaming and browsing needs</li><li>People who move frequently or live in strong 5G coverage areas</li><li>Rural customers with limited broadband options</li></ul><p>On the other hand, if you upload large files, work in data-intensive fields or you're heavily into gaming or cloud computing, fiber might be the better long-term choice.</p><h2 id="making-the-right-choice-for-your-home-2">Making the right choice for your home</h2><p>T-Mobile’s 5G Home Internet offers an appealing blend of affordability, convenience and coverage. It could be a strong alternative for those seeking to simplify their bills without sacrificing too much speed. It’s not perfect, but it’s fast becoming a serious competitor to traditional broadband.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/how-fast-does-your-internet-really-need-to-be">How Fast Does Your Internet Really Need to Be?</a></li><li><a href="https://www.kiplinger.com/personal-finance/online-shopping/is-mint-mobiles-home-internet-a-game-changer">Is Mint Mobile's Home Internet a Game-Changer or Just Another Option?</a></li><li><a href="https://www.kiplinger.com/personal-finance/online-shopping/stay-connected-off-grid-camping-boating">From Camping to Boating: Here's How to Stay Connected Off-Grid</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/deals/t-mobile-home-internet-what-to-know</link> <description> <![CDATA[ T-Mobile’s 5G home internet offers flexibility, simplicity and potential savings but is it a replacement for cable or fiber? ]]> </description> <guid isPermaLink="false">4YkdkQinquwSdKoE9ugm7U</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/LS2gMzLcVDpv3JPxBxndtN-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 15:22:40 +0000</pubDate> <category><![CDATA[Deals]]></category> <category><![CDATA[Gadgets]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Shopping]]></category> <dc:creator><![CDATA[ Carla Ayers ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LS2gMzLcVDpv3JPxBxndtN-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A couple laughing while scrolling social media on their front porch. ]]></media:text> <media:title type="plain"><![CDATA[A couple laughing while scrolling social media on their front porch. ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/LS2gMzLcVDpv3JPxBxndtN-1280-80.jpg" /> </item> <item> <title><![CDATA[ Why Now is the 'Just Right' Time to Do Those Home Upgrades ]]></title> <dc:content><![CDATA[ <p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/economy/how-does-the-federal-reserve-work">Federal Reserve</a> cut rates for the second time in 2025 this week. While that's not great news for savers, it's good news for borrowers. If you've been waiting on rates to drop to take out a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/cash-in-on-your-home-equity">home equity line of credit</a> or HELOC or personal loan for some home improvement projects, now is the time to strike.</p><p>While rates are expected to come down further, the clock is ticking on a package of <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/605069/inflation-reduction-act-tax-credits-energy-efficient-home-improvements">energy-efficient home improvement tax credits</a> that could put thousands back in your pocket after making eligible upgrades to your home.</p><p>You can always refinance a loan when rates drop further, but you won't be able to claim these tax credits after the new year, making this the "just right" time for home upgrades.</p><p>Here are the home upgrades that might be eligible and why it's worth squeezing these projects in before the year ends.</p><h2 id="tax-credits-worth-up-to-3-200-expire-in-december-2">Tax credits worth up to $3,200 expire in December</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2120px;"><p class="vanilla-image-block" style="padding-top:66.75%;"><img id="qupRKbLqG2iTNP63EbzQdJ" name="GettyImages-174476377" alt="A man holding a window panel against the window frame." src="https://cdn.mos.cms.futurecdn.net/qupRKbLqG2iTNP63EbzQdJ.jpg" mos="" align="middle" fullscreen="" width="2120" height="1415" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/what-you-should-do-before-2026-because-of-obbba-changes">One Big Beautiful Bill </a>ushers in several changes that taxpayers will need to consider as they plan for 2026. One of the most urgent changes you'll want to prepare for are the expiring tax credits.</p><p>Right now, you can claim 30% of the cost of any eligible <a data-analytics-id="inline-link" href="https://www.irs.gov/credits-deductions/residential-clean-energy-credit" target="_blank">residential clean energy upgrade</a> made during the year.</p><p>You can also claim up to 30% of other energy efficient upgrades, with maximum credits ranging from about $150 up to $2,000, depending on the project. You can claim up to a total of $3,200 for all energy efficient home improvement projects completed through the end of the year.</p><p>Which projects are eligible for tax credits? You can find the full details on the <a data-analytics-id="inline-link" href="https://www.irs.gov/credits-deductions/energy-efficient-home-improvement-credit" target="_blank">IRS website</a>.</p><p>Here are some of the key projects you might want to get done before December 31, 2025, to claim the energy efficient home improvement tax credit:</p><ul><li>New exterior doors or windows</li><li>New insulation or air sealing materials</li><li>Upgraded HVAC equipment</li><li>Upgraded water heaters, biomass stoves or boilers</li></ul><p>If you've been thinking about installing solar panels or other renewable energy equipment in your home, the residential clean energy credit also expires on December 31. You'll need to move fast if you were banking on that 30% tax credit.</p><p>Make sure that the upgrades you're making meet the <a data-analytics-id="inline-link" href="https://www.energystar.gov/" target="_blank">energy efficiency standards</a> set out by the Environmental Protection Agency (EPA). You'll also only be able to claim these credits on your primary residence. Your <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/should-you-buy-a-vacation-home">vacation home</a> or rental properties are ineligible.</p><p>You should also check with your state as well as your local utilities for any additional rebates or discounts you might be able to stack on top of your federal tax credits.</p><h2 id="falling-fed-rates-are-good-news-for-borrowers-2">Falling Fed rates are good news for borrowers</h2><p>At its October meeting, the Federal Reserve dropped its target rate to the 3.75% to 4% range. That's the second cut of the year, which should bring borrowing costs down with it.</p><p>For homeowners planning to use a HELOC, that's even more reason to knock out those renovation projects you've been putting off.</p><p>Rates on home equity loans also tend to drop in response to Fed rate cuts — as do other types of debt. If you haven't taken out a home equity loan or HELOC yet, use our home equity tool below, powered by Bankrate, to compare rates you can get today:</p><h2 id="you-ll-benefit-from-hiring-contractors-during-the-off-season-too-2">You'll benefit from hiring contractors during the off season, too</h2><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/real-estate/t029-s001-12-ways-to-prepare-your-home-for-winter/index.html">Winter is a slow season</a> for many contractors, especially with the holidays approaching. Some might be willing to offer discounted rates for projects during this time.</p><p>Even if you can't leverage your timing into a deal, it could at least ensure your project is done quickly and smoothly. Since contractors are unlikely to be juggling as many projects as they do during peak season, your home could be high on their priority list.</p><div class="product star-deal"><p>Get more spending tips and other personal finance insights straight to your inbox. Subscribe to our daily newsletter, <a href="https://www.kiplinger.com/business/get-a-step-ahead" data-dimension112="6bebddc4-6762-40f1-81b0-a5f0f424275f" data-action="Star Deal Block" data-label="A Step Ahead" data-dimension48="A Step Ahead" data-dimension25=""><strong>A Step Ahead</strong></a>.</p></div><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/ways-to-cut-your-energy-bill">18 Ways to Cut Your Energy Bill</a></li><li><a href="https://www.kiplinger.com/personal-finance/home-insurance/easy-weatherproofing-projects-that-prevent-damage-and-save-on-insurance">Easy Home Hardening Projects That Also Save on Insurance</a></li><li><a href="https://www.kiplinger.com/personal-finance/home-insurance/diy-security-upgrades-that-can-lower-your-home-insurance-premium">5 DIY Home Security Upgrades That Can Lower Your Insurance Premium</a></li><li><a href="https://www.kiplinger.com/taxes/popular-tax-breaks-gone-for-good">Popular Tax Breaks Are Gone for Good in 2026</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/real-estate/home-improvement/expiring-home-upgrade-tax-credits</link> <description> <![CDATA[ Interest rates are dropping and tax credits are expiring, creating a short opportunity to save on home upgrades. ]]> </description> <guid isPermaLink="false">nvCCUgcHTvnfcWk49HGxC4</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/XuAjPYqaoUkYpr4cNFG2oP-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 11:00:00 +0000</pubDate> <category><![CDATA[Home Improvement]]></category> <category><![CDATA[Spending]]></category> <category><![CDATA[Real Estate]]></category> <category><![CDATA[Personal Finance]]></category> <dc:creator><![CDATA[ Rachael Green ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XuAjPYqaoUkYpr4cNFG2oP-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A senior man installs a new exterior door on his home.]]></media:text> <media:title type="plain"><![CDATA[A senior man installs a new exterior door on his home.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/XuAjPYqaoUkYpr4cNFG2oP-1280-80.jpg" /> </item> <item> <title><![CDATA[ Ask the Editor, October 31: Modified Adjusted Gross Income ]]></title> <dc:content><![CDATA[ <p><em>Each week, in our Ask the Editor series, Joy Taylor, The Kiplinger Tax Letter Editor, answers questions on topics submitted by readers. This week, she’s looking at four questions on the meaning of modified adjusted gross income, or MAGI. (</em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KTP/kipcomstorykt" target="_blank"><u><em>Get a free issue of The Kiplinger Tax Letter or subscribe</em></u></a><em>.)</em></p><h2 id="1-magi-general-rules-2">1. MAGI — general rules</h2><p><strong>Question: </strong>I keep seeing references to modified adjusted gross income in stories about federal income tax breaks. What is modified adjusted gross income?<br><br><strong>Joy Taylor: </strong>The IRS and other federal agencies often use a taxpayer’s <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/what-is-modified-adjusted-gross-income">modified adjusted gross income </a>(MAGI) to determine eligibility for certain benefits or tax breaks, or to figure out whether a taxpayer owes surtaxes or surcharges. True to the complexity of the federal tax code, there is not just one definition of MAGI. The meaning differs, depending on what it is used for.<br><br>However, the one constant of MAGI is that it always starts with adjusted gross income, which is the amount shown on line 11 of your <a data-analytics-id="inline-link" href="https://www.irs.gov/forms-pubs/about-form-1040" target="_blank">Form 1040</a> or <a data-analytics-id="inline-link" href="https://www.irs.gov/forms-pubs/about-form-1040">Form 1040-SR</a>. <br><br>To learn more, see <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/what-is-modified-adjusted-gross-income">The Many Definitions of Modified Adjusted Gross Income (MAGI)</a></p><h2 id="2-magi-and-five-obbb-deductions-2">2. MAGI and five OBBB deductions</h2><p><strong>Question: </strong>What is the definition of MAGI for the new $6,000 <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/how-the-senior-bonus-deduction-works">senior deduction</a>?</p><p><strong>Joy Taylor: </strong>The “One Big Beautiful Bill” (OBBB) provides five new or enhanced temporary tax breaks for individual taxpayers that first take effect on 2025 tax returns filed next year. All of these deductions begin to phase out for taxpayers with MAGI over a certain amount, as shown below.</p><ul><li>The $6,000 deduction for filers age 65 or older ($12,000 on joint returns if each spouse is 65 or older) begins to phase out for taxpayers with MAGI over $150,000 on joint returns and $75,000 on single and head-of-household returns.</li><li>The up-to-$12,500 ($25,000 on joint returns) deduction for qualified <a href="https://www.kiplinger.com/taxes/whats-happening-with-taxes-on-overtime-pay">overtime</a> compensation begins to phase out for taxpayers with MAGI over $300,000 on joint returns and $150,000 on other returns.</li><li>The up-to-$25,000 deduction for <a href="https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-september-26-tax-questions-on-the-new-tips-deduction">qualified tips</a> begins to phase out for taxpayers with MAGI over $300,000 on joint returns and $150,000 on other returns.</li><li>The up-to-$10,000 deduction for interest paid on a <a href="https://www.kiplinger.com/taxes/new-gop-car-loan-tax-deduction">loan to buy a new vehicle</a> begins to phase out for taxpayers with MAGI over $200,000 on joint returns and $100,000 on other returns.</li><li>The $40,000 cap on deducting state and local taxes (<a href="https://www.kiplinger.com/taxes/salt-deduction-things-to-know">SALT</a>) on Schedule A of the 1040 begins to phase out (but not below $10,000) for taxpayers with MAGI over $500,000 on joint, head-of-household and single returns, and $250,000 for married couples who file separate returns.</li></ul><p>For purposes of all five of these new OBBB deductions, MAGI is your adjusted gross income shown on line 11 of your tax return, plus any foreign earned income exclusion, foreign housing exclusion, and certain excluded income received from sources in Puerto Rico, American Samoa, Guam or the Northern Mariana Islands.</p><h2 id="3-magi-and-medicare-premiums-2">3. MAGI and Medicare premiums</h2><p><strong>Question: </strong>I’m planning to enroll in Medicare in the next couple of years, and I want to avoid paying higher monthly Medicare premiums. What is the definition of MAGI for Medicare purposes?</p><p><strong>Joy Taylor: </strong>Most people on Medicare pay the basic fee for Medicare Part B coverage, which for 2025 is $185.00 per month. Many also sign up for Part D prescription drug coverage. Some Medicare enrollees pay higher Part B and D monthly premiums if their MAGI exceeds a certain figure. For<a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/what-you-will-pay-for-medicare-in-2025"> 2025 Medicare coverage</a>, monthly premium surcharges (also known as IRMAA surcharges) kick in for joint filers with MAGI over $212,000, and for single filers with MAGI over $106,000. Updated amounts have not yet come out for 2026. The surcharges increase as MAGI rises.</p><p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/medicare-premiums-projected-irmaa-for-parts-b-and-d-for-2026">Medicare premium surcharges</a> are calculated using MAGI reported on the most recently filed federal income tax return. For most people, 2025 Medicare premium surcharges are based on MAGI from 2023 returns, the amounts for 2026 will be based on MAGI from 2024 returns, and the amounts for 2027 will be based on MAGI from 2025 tax returns that you will file next year.</p><p>MAGI for this purpose is AGI shown on line 11 of your Form 1040 or 1040-SR plus any tax-exempt interest income.</p><h2 id="4-qualified-charitable-distributions-2">4. Qualified charitable distributions</h2><p><strong>Question: </strong>I am 74 and am enrolled in Medicare. If I make a $25,000 <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/qcds-a-tax-smart-way-for-retirees-to-donate-to-charity">qualified charitable distribution</a> directly from my traditional IRA to charity this year, will this impact my MAGI that is used to calculate surcharges on my 2027 monthly Part B and D Medicare premiums?</p><p><strong>Joy Taylor: </strong>For traditional IRA owners 70½ or older, a tax-smart way to give to charity is a qualified charitable distribution (QCD). You can transfer up to $108,000 directly from your IRA to charity in 2025. These QCDs are not taxable to you, they are not added to your adjusted gross income, and they can count toward your annual required minimum distribution (RMD) if done correctly. Note that you cannot deduct the QCD as a charitable contribution on Schedule A of the Form 1040.</p><p>As I stated in the prior paragraph, one of the benefits of doing a QCD is that it will not be included in your adjusted gross income and thus won’t affect your MAGI. So, if done right, doing a QCD can keep you under the MAGI threshold for higher Medicare premiums.</p><p>Let’s use your example of a $25,000 charitable contribution. Say you have a $75,000 RMD for 2025. If you take the full RMD as a taxable transfer, you will have $75,000 of income added to both your 2025 MAGI and taxable income. If you then make a $25,000 charitable contribution by personal check, you would be able to claim that as a deduction on Schedule A of your tax return, which would reduce your taxable income, but not your adjusted gross income or MAGI. If instead, you make the $25,000 charitable contribution through a QCD, and you do it in a timely manner so that it offsets $25,000 of your $75,000 RMD for 2025, you would be treated as receiving only a $50,000 taxable RMD, which would be added to both your adjusted gross income (and MAGI) and to your taxable income.</p><h3 class="article-body__section" id="section-about-ask-the-editor-tax-edition"><span>About Ask the Editor, Tax Edition</span></h3><p>Subscribers of <em>The Kiplinger Tax Letter, The Kiplinger Letter and The Kiplinger Retirement Report </em>can ask Joy questions about tax topics. You'll find full details of how to submit questions in each publication. <a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KTP/kipcomstorykt" target="_blank"><em>Subscribe to The Kiplinger Tax Letter</em></a><em>, </em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KWP/kipcomarticles" target="_blank"><em>The Kiplinger Letter</em></a><em> or </em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/pubs/KE/KRP/KRP_digitaldisc_2995_5495.jsp?cds_page_id=280913&cds_mag_code=KRP&id=1754522199423&lsid=52181813122082444&vid=2&gad_source=kip.com" target="_blank"><em>The Kiplinger Retirement Report</em></a><em>.</em></p><p>We have already received many questions from readers on topics related to tax changes in the One Big Beautiful Bill and more. We will continue to answer these in future Ask the Editor round-ups. So keep those questions coming!</p><p>Not all questions submitted will be published, and some may be condensed and/or combined with other similar questions and answers, as required editorially. The answers provided by our editors and experts, in this Q&A series, are for general informational purposes only. While we take reasonable precautions to ensure we provide accurate answers to your questions, this information does not and is not intended to, constitute independent financial, legal, or tax advice. You should not act, or refrain from acting, based on any information provided in this feature. You should consult with a financial or tax advisor regarding any questions you may have in relation to the matters discussed in this article.</p><h3 class="article-body__section" id="section-more-reader-questions-answered"><span>More Reader Questions Answered</span></h3><ul><li><strong></strong><a href="https://www.kiplinger.com/tag/ask-the-editor"><strong>All Ask the Editor Q&As</strong></a></li><li><a href="https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-may-9-qcds">Ask the Editor: Reader Questions on QCDs</a></li><li><a href="https://www.kiplinger.com/taxes/tax-planning/ask-the-editor-october-17-qualified-charitable-distributions">Ask the Editor: Reader Questions on QCDs and Tax Planning</a></li><li><a href="https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-september-26-tax-questions-on-the-new-tips-deduction">Ask the Editor: Questions on the New Tips Deduction</a></li><li><a href="https://www.kiplinger.com/taxes/tax-law/ask-the-editor-july-25-questions-on-new-tax-deductions">Ask the Editor: Questions on Four New Tax Deductions</a></li><li><a href="https://www.kiplinger.com/taxes/state-tax/ask-the-editor-september-5-tax-questions-on-salt-deduction">Ask the Editor: Question on SALT Deduction</a></li><li><a href="https://www.kiplinger.com/taxes/tax-law/ask-the-editor-july-18-questions-on-the-senior-deduction">Ask the Editor: Questions on the $6,000 Senior Deduction</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/taxes/income-tax/ask-the-editor-october-31-magi</link> <description> <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on the meaning of modified adjusted gross income, or MAGI. ]]> </description> <guid isPermaLink="false">WKPjLRZRcD98ikhw4j258Y</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/vy5GhPCNMTwfCUshme4R3T-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 10:24:00 +0000</pubDate> <category><![CDATA[Income Tax]]></category> <category><![CDATA[Tax Law]]></category> <category><![CDATA[Taxes]]></category> <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author> <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vy5GhPCNMTwfCUshme4R3T-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Ask the Editor]]></media:text> <media:title type="plain"><![CDATA[Ask the Editor]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/vy5GhPCNMTwfCUshme4R3T-1280-80.jpg" /> </item> <item> <title><![CDATA[ Eight Spooky Retirement Stats That Will Scare the Bejesus Out of You ]]></title> <dc:content><![CDATA[ <p>It's not only ghosts and goblins lurking around the corner this Halloween. The true terror haunting millions of Americans is the prospect of retirement.</p><p>Who can blame them? A <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/checklist-for-retirement-planning">retirement</a> that could last two or three decades requires a substantial amount of money. How much? $1.26 million, according to one <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/magic-number-to-retire-comfortably#:~:text=For%20many%20people%2C%20retiring%20with,a%20May%202025%20GoBankingRates%20study." target="_blank"><u>oft-cited estimate</u></a>. That’s just the average. If you lived in Hawaii, another <a data-analytics-id="inline-link" href="https://www.gobankingrates.com/retirement/planning/how-much-need-survive-retirement-state/" target="_blank"><u>study</u></a> puts your needed nest egg at $2 million, and higher lifestyles require more.</p><p>And that’s just one part of the potential nightmare. Here are eight more things about retirement that nightmares are made of.</p><h2 id="1-long-term-care-in-retirement-is-almost-a-given-2">1. Long-term care in retirement is almost a given </h2><p>Roughly 70% of Americans <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/turning-65-key-things-to-know">age 65</a> and older will require <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/long-term-care/how-to-pay-for-long-term-care">long-term care </a>at least once in their lifetime, according to the <a data-analytics-id="inline-link" href="https://www.hhs.gov/aging/long-term-care/index.html#:~:text=Approximately%2070%25%20of%20people%20turning,Health%20Information%20Counseling" target="_blank"><u>U.S. Department of Health and Human Services</u></a>. That encompasses everything from a nursing home to in-home care. How much care a person needs depends on their unique circumstances.</p><p>Either way, it ain't cheap. Today, a month of long-term care costs <a data-analytics-id="inline-link" href="https://www.carescout.com/cost-of-care" target="_blank"><u>$6,000</u></a> to <a data-analytics-id="inline-link" href="https://www.carescout.com/cost-of-care" target="_blank"><u>$15,000</u></a>, depending on the level of care needed. That's $72,000 to $180,000 a year. If you need multiple years of care, you can see how the costs can add up pretty quickly.</p><p>To scare you even more, <a data-analytics-id="inline-link" href="https://crr.bc.edu/households-plan-for-long-term-care-often-do-not-reflect-reality/" target="_blank"><u>only 3%</u></a> of U.S. adults, or 15% of those 65 and older, have long-term care insurance.</p><h2 id="2-healthy-retirees-spend-a-lot-on-health-care-too-2">2. Healthy retirees spend a lot on health care too</h2><p>Even if you are among the lucky 30% that don’t require a stay in long-term care, you still need a lot of money for <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-health-care-costs-are-on-the-rise-what-you-need-to-know">out-of-pocket medical costs</a> during your golden years — frighteningly so.</p><p>Fidelity Investments pegs the amount a 65-year-old will spend on health care in retirement at <a data-analytics-id="inline-link" href="https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e" target="_blank"><u>$172,500 for 2025</u></a>. That’s up 4% from $165,000 in 2024. Back in 2002, the first year Fidelity put out an annual estimate, the cost was a mere $80,000. One-in-five people told Fidelity they never considered health care needs during retirement.</p><h2 id="3-social-security-is-running-out-of-money-2">3. Social Security is running out of money </h2><p>This one is sure to scare retirees: Social Security is struggling financially. The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/when-will-social-security-and-medicare-trust-funds-run-out-of-money" target="_blank"><u>program is only fully funded through 2035</u></a>. After that, if no changes are made to secure more revenue, retirees will receive about 83% of their benefits. To <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/how-to-save-social-security-pay-more-taxes-cut-benefits" target="_blank"><u>make up the shortfall</u></a>, the SSA will need to increase revenue and/or trim benefits.</p><p>While <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/601708/social-security-basics-12-things-you-must-know-about-claiming-and">Social Security</a> is not at risk of going bankrupt, that hasn’t stopped people from <a data-analytics-id="inline-link" href="https://www.kiplinger.com/when-to-apply-for-social-security">collecting Social Security benefits</a> as soon as they can to get ahead of the potential funding shortfall. The second most popular age to begin receiving benefits is 62, the first year you can collect. (The most popular age is 66, according to a recent <a data-analytics-id="inline-link" href="https://sgp.fas.org/crs/misc/R44670.pdf" target="_blank">Congressional report</a>).</p><p>That’s even though you get an up to 30% reduction in lifetime benefits for collecting before your full retirement age, which for people born in 1960 and beyond is 67.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="4-medicare-doesn-t-cover-it-all-2">4. Medicare doesn’t cover it all </h2><p>One of the perks of turning 65 is that <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/medicare-basics-things-you-need-to-know">Medicare</a> kicks in, and you don’t have to worry about paying for health insurance anymore. But what you may not know is that Medicare only covers 80% of your health care expenses in retirement.</p><p>Some of the things Medicare won’t pay for may give you goose bumps. Check out <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/what-does-medicare-not-cover"><u>eight things Medicare doesn’t cover here</u></a>.</p><h2 id="5-adults-aren-t-saving-enough-for-retirement-2">5. Adults aren’t saving enough for retirement</h2><p>We’ve been hearing it for years: save early and often to live comfortably in retirement. Nonetheless, GenXers have been blowing off the advice of the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/baby-boomers-vs-gen-x-how-they-approach-retirement-differently">baby boomers</a> before them.</p><p>AARP, the non-profit advocate for older adults, found in a <a data-analytics-id="inline-link" href="https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings" target="_blank">recent survey</a> that 20% of Americans 50 and up have no <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/600895/retirement-savings-calculator" target="_blank"><u>retirement savings</u></a> at all. Ready for another hair-raising shocker: 40% of Americans <a data-analytics-id="inline-link" href="https://www.usnews.com/banking/articles/2025-financial-wellness-survey" target="_blank"><u>polled by U.S. News</u></a> don’t have $1,000 in cash to cover an emergency.</p><h2 id="6-the-cost-of-living-is-going-up-up-and-away-2">6. The cost of living is going up, up and away</h2><p>Ten years ago, the median home in America was worth <a data-analytics-id="inline-link" href="https://www.zillow.com/research/total-housing-value-2015-11535/" target="_blank"><u>$183,000</u></a>; today it's valued at around <a data-analytics-id="inline-link" href="https://www.zillow.com/home-values/102001/united-states/" target="_blank"><u>$364,000</u></a>. Meanwhile, rents have risen by more than 50% over the past decade.</p><p>Automobiles, vacations, luxury goods and dining out all cost more, and that isn’t stopping anytime soon. September’s Consumer Price Index — the most recent data available — shows inflation is up 3% year-over-year.</p><p>Let’s not forget insurance; whether it's health, homeowners', or auto insurance, premiums are rising, with double-digit increases in many cases. Take the Affordable Care Act as an example. Rates are forecast to <a data-analytics-id="inline-link" href="https://www.kff.org/quick-take/aca-insurers-are-raising-premiums-by-an-estimated-26-but-most-enrollees-could-see-sharper-increases-in-what-they-pay/" target="_blank"><u>increase an average of 26%</u></a> in 2026.</p><h2 id="7-loneliness-among-older-adults-is-reaching-epidemic-levels-2">7. Loneliness among older adults is reaching epidemic levels </h2><p>Everyone feels lonely from time to time, but for one-third of older adults in America, they experience feelings of loneliness at least once a week, according to the University of Michigan’s <a data-analytics-id="inline-link" href="https://www.healthyagingpoll.org/reports-more/report/trends-loneliness-among-older-adults-2018-2023" target="_blank"><u>National Poll on Healthy Aging</u></a>.</p><p>For another hellraising statistic, as of last year, 17% of Americans, not just retirees, said they have zero friends, up from 1% in 1990, according to the <a data-analytics-id="inline-link" href="https://www.americansurveycenter.org/research/the-state-of-american-friendship-change-challenges-and-loss/" target="_blank"><u>Survey Center on American Life</u></a>. There are many ways to combat loneliness and have a fulfilling retirement. Check out our <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/habits-for-a-happy-retirement"><u>guide to a happy retirement</u></a> to learn how.</p><h2 id="8-the-dementia-risk-is-real-2">8. The Dementia risk is real </h2><p>Memory loss is normal as we age, but here’s something that may spook you: so is dementia. It turns out, you have a <a data-analytics-id="inline-link" href="https://nyulangone.org/news/united-states-dementia-cases-estimated-double-2060#:~:text=Anticipated%20Jump%20Especially%20Large%20for,exercise%2C%20and%20poor%20mental%20health." target="_blank"><u>42% chance</u></a> of getting dementia after the age of 55. Worldwide, <a data-analytics-id="inline-link" href="https://www.brightfocus.org/alzheimers/facts-figures" target="_blank"><u>someone develops dementia every three seconds</u></a>.</p><p>The financial and emotional toll of dementia can not be overstated, but the good news is that doctors and scientists are learning more about this debilitating condition every day, including new ways to treat and prevent it. Learn more <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/the-surprising-way-to-reduce-your-dementia-risk"><u>here</u></a>.</p><h2 id="and-something-to-celebrate-2">And something to celebrate... </h2><p>It’s not all doom and gloom this Halloween.</p><p>Here is one mind-bending Halloween statistic that may have you happily reviewing your retirement plan or hiding under the covers: there are 722,000 people over the age of 100 around the world, and that's forecast to soar to <a data-analytics-id="inline-link" href="https://www.pewresearch.org/short-reads/2016/04/21/worlds-centenarian-population-projected-to-grow-eightfold-by-2050/" target="_blank"><u>3.7 million by 2050</u></a>.</p><p>The real trick or treat: you could be one of the lucky ones who need to fund more than thirty years in retirement.</p><h3 class="article-body__section" id="section-related-content"><span>Related content </span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/need-a-reason-to-retire-early-consider-these-eye-opening-stats">Need A Reason to Retire Early? Consider These Eye-Opening Stats</a></li><li><a href="https://www.kiplinger.com/retirement/the-go-live-your-life-rule-of-retirement-spending">The 'Go Live Your Life' Rule of Retirement Spending</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/warren-buffett-quotes-every-retiree-should-live-by">Six Warren Buffett Quotes Every Retiree Should Live By</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/should-you-retire-at-62">Want To Retire at 62? See if You Can Answer These Six Questions</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/retirement-planning/spooky-retirement-stats-that-will-scare-the-bejesus-out-of-you</link> <description> <![CDATA[ Think you have retirement planning down to a science? Consider these scary statistics. ]]> </description> <guid isPermaLink="false">v9wkeHKRWm2MvdLYoEnqs</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/krFcAxicA6hZxAqmVSnMj4-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 10:15:00 +0000</pubDate> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Retirement]]></category> <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author> <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/krFcAxicA6hZxAqmVSnMj4-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Couple with costume]]></media:text> <media:title type="plain"><![CDATA[Couple with costume]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/krFcAxicA6hZxAqmVSnMj4-1280-80.jpg" /> </item> <item> <title><![CDATA[ Are You Retired? Here's How to Drop the Guilt and Spend Your Nest Egg ]]></title> <dc:content><![CDATA[ <p>Most of our clients are who we call <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-strategies-for-midwestern-millionaires">Midwestern Millionaires</a>. They are hard workers and live a life of service. They have $1 million or more saved, pensions and a lifetime of discipline behind them, but they still struggle and feel guilty when it comes to spending their hard-earned money.</p><p>They are often the best savers and sometimes <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/if-you-are-a-millionaire-you-may-be-a-terrible-spender">the worst spenders</a>. They worry if the vacation, home remodel or gift to the grandkids is somehow irresponsible. They are always looking to save money and concerned about running out.</p><p>Sound familiar? If so, this article is for you.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><h2 id="the-retirement-transition-from-accumulation-to-enjoyment-2">The retirement transition: From accumulation to enjoyment</h2><p>You have lived your whole life being frugal and saving diligently. You clipped coupons, passed on new cars and packed lunch when others ate out, all to build toward a secure financial future.</p><p>Now that your diligent saving has paid off, the hard part isn't how to invest your money but how to enjoy it without fear. One retired couple told me, "We spent 40 years trying to save. Now we're afraid to use any of it."</p><p>If this sounds like something you might say, do not worry. This is a common concern, but it does not have to be a permanent one.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><p>Here are the steps you can take to increase your confidence in the future.</p><h2 id="step-no-1-recognize-what-you-have-achieved-2">Step No. 1: Recognize what you have achieved</h2><p>If you have a pension and $1 million or more saved, you are in a great spot and rare company. We call this group <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/opportunities-for-wealthy-people-retiring-with-a-pension">The 2% Club</a>, because only about 20% of the population has a pension and just 10% of the population has saved $1 million or more for retirement, according to an <a data-analytics-id="inline-link" href="https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings" target="_blank">AARP survey</a>.</p><p>When you combine those two percentages, you are left with only 2% of the population</p><p>But here's the thing: Midwestern Millionaires tend not to <em>feel</em> wealthy. Why?</p><ul><li>They have never lived extravagantly</li><li>They have been surrounded by other frugal, hardworking people</li><li>They associate spending with risk</li><li>They have felt like they have always lived paycheck to paycheck</li></ul><p>But it is important to understand that you didn't get into this position by luck. You got here by discipline.</p><h2 id="step-no-2-redefine-financial-security-2">Step No. 2: Redefine financial security</h2><p>Financial security in retirement isn't just about not running out of money. It's about knowing your spending is aligned with your plan and your values. You do not need to splurge irresponsibly to enjoy retirement, but you should give yourself permission to:</p><ul><li>Travel with your spouse</li><li>Help your children and grandchildren get ahead</li><li>Tackle the remodeling project you've put off for years, or even decades</li><li>Give generously to causes close to your heart</li></ul><p>All of this can be part of a healthy, sustainable retirement if it is intentionally built into your plan with purpose.</p><p>I always say the clients we work with should be more concerned about running out of life than they should be about running out of money.</p><h2 id="step-no-3-create-a-comfortable-spending-framework-2">Step No. 3: Create a comfortable spending framework</h2><p>One of the best things you can do is break your spending into three categories:</p><ul><li><strong>Paychecks.</strong> The essentials such as housing, food, insurance and health care.</li><li><strong>Play-checks.</strong> The extras that are fun and purposeful, such as travel, home updates, hobbies and gifting to loved ones.</li><li><strong>Legacy.</strong> The money you may never spend that is left over after accounting for the first two points above. This could include leaving money to children, grandchildren or charities when you pass away.</li></ul><p>This helps you see where your money is going and gives you freedom to adjust as your goals evolve.</p><p>We also like to create "spending corridors," or target ranges that show how much can be spent safely, along with upper and lower limits, so there is never a feeling of overspending or living too small.</p><p>Many of our clients have more in the legacy category than they thought after doing this exercise, giving them permission to spend more money.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>When you have run the numbers and put a plan in place, you can shift your mindset from "Will I run out?" to "How can I make the most of it?"</p><p>Categorizing can allow you to tap into your money for guilt-free enjoyment. Once you know the rest of your plan is sound, you can uncover the key to confidence.</p><h2 id="step-no-4-practice-the-art-of-mindful-spending-2">Step No. 4: Practice the art of mindful spending</h2><p><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/permission-to-spend-rules-of-retirement-spending">Spending in retirement</a> is about intention, not excess. Ask yourself:</p><ul><li>Does this purchase bring me joy or peace of mind?</li><li>Is this aligned with my values and goals?</li><li>Will this memory be worth more than the money?</li></ul><p>If the answer is yes, you know it's the right kind of spending. We have seen clients light up after finally taking that Alaskan <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/best-cruise-lines-for-retirees">cruise</a>, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/five-early-retirement-mistakes-to-avoid">retiring early</a> or helping their church build a new youth center.</p><p>These are not unreasonable decisions; they are intentional rewards for decades of sacrifice.</p><p>We send "Peak Approved" stamps to our clients who have trouble spending their hard-earned money. It started as a fun joke but has quickly become a hit with our clients.</p><p>I received an email from one of our clients who always jokes with her husband and me that she loves shoe shopping, and she let me know that she used our Peak Approved stamp to buy a new pair.</p><h2 id="you-ve-saved-like-a-midwestern-millionaire-now-it-s-time-to-spend-gift-give-like-one-2">You've saved like a Midwestern Millionaire — now it's time to spend/gift/give like one</h2><p>Retirement is not about hoarding every penny. We always joke with people that you cannot attach a U-Haul behind your hearse.</p><p>Retirement is about living with peace of mind, joy and generosity, while knowing you are not putting your future at risk.</p><p>If you are a frugal saver who is struggling to feel good about spending, I wrote a book just for you, <em>Midwestern Millionaire: Hardworking. Frugal. Diligent Saver.</em> (<a data-analytics-id="inline-link" href="https://keap.page/bsd964/midwestern-millionaire-toolkit-kiplinger.html" target="_blank">You can request it for free here</a>.)</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/tax-planning/tax-saving-opportunities-in-the-one-big-beautiful-bill-obbb">Thanks to the OBBB, Now Could Be the Best Tax-Planning Window We've Had: 12 Things You Should Know</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-strategies-for-midwestern-millionaires">Are You a 'Midwestern Millionaire'? Four Retirement Strategies</a></li><li><a href="https://www.kiplinger.com/retirement/can-you-retire-at-60-with-1-million-dollars-saved">You’re 62 Years Old With $1 Million Saved: Can You Retire?</a></li><li><a href="https://www.kiplinger.com/retirement/tax-planning-strategies-if-you-have-a-million-dollars">Do You Have at Least $1 Million in Tax-Deferred Investments?</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/happy-retirement/spend-your-retirement-nest-egg-and-drop-the-guilt</link> <description> <![CDATA[ Transitioning from a lifetime of diligent saving to enjoying your wealth in retirement tends to be riddled with guilt, but it doesn't have to be that way. ]]> </description> <guid isPermaLink="false">RfVy46dsX6TAogP6WP9yYF</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/pfpmFn8PzU67e3ewTqu7UK-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 09:35:00 +0000</pubDate> <category><![CDATA[Happy Retirement]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®, CKA®) ]]></author> <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC®, CKA® ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pfpmFn8PzU67e3ewTqu7UK-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[An older woman smiles while she sits in a shop and looks at her phone.]]></media:text> <media:title type="plain"><![CDATA[An older woman smiles while she sits in a shop and looks at her phone.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/pfpmFn8PzU67e3ewTqu7UK-1280-80.jpg" /> </item> <item> <title><![CDATA[ Separating the Pros From the Pretenders: This Is How to Tell if You Have a Great Adviser ]]></title> <dc:content><![CDATA[ <p>Ever sit through a meeting with your <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-find-a-financial-adviser">financial advis</a><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-find-a-financial-adviser">e</a><a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-find-a-financial-adviser">r</a> and wonder afterward, "Did that really help me?"</p><p>Now imagine the opposite — you leave feeling lighter, clearer and confident about what comes next. That's what happens when an adviser meeting actually works.</p><p>Too many people leave adviser meetings with a tidy report but no real clarity on whether they're on track financially — or paying for the right kind of help.</p><p>The best meetings aren't about beating the market; they're about trust, measuring real progress and adapting as life changes.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><p>The key is having the confidence to ask your adviser some direct questions. Here's what those meetings sound like when that happens.</p><h2 id="1-ask-your-adviser-how-they-re-measuring-your-success-2">1. Ask your adviser how they're measuring your success</h2><p>Start with the big picture: How does your adviser define progress? Try asking, "How are you measuring my success? What value do you think you're adding to my life?"</p><p>A good adviser will focus on your goals — peace of mind, confidence about retirement, helping family or simplifying your financial life — not just investment returns.</p><p>But this is also your cue to define success for yourself. Say it out loud: "Here's what success looks like to me." Maybe it's knowing you can retire at 67 without worrying about cash flow. Maybe it's helping your kids buy their first home or ensuring your surviving spouse never has to worry.</p><p>When both you and your adviser share the same definition, every meeting becomes more productive and personal.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="2-be-direct-about-fees-and-value-2">2. Be direct about fees and value</h2><p>You can't get value if you don't know what you're paying for. Say it plainly: "Can we review exactly what I'm paying and how I'm getting my money's worth?"</p><p>A <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/the-fiduciary-firewall-guide-to-honest-financial-planning">fiduciary, fee-only advis</a><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/the-fiduciary-firewall-guide-to-honest-financial-planning">e</a><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/the-fiduciary-firewall-guide-to-honest-financial-planning">r</a> should welcome that question. They should be able to point to specific ways they've saved you money or simplified your financial life — reducing investment costs, optimizing taxes or keeping your plan steady through <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/market-volatility-avoid-common-investing-pitfalls">volatile markets</a>. Transparency is the foundation of trust.</p><h2 id="3-stress-test-your-plan-2">3. Stress-test your plan</h2><p>The most revealing moments in a client-adviser meeting come when the client says, "I'm worried about outliving my money." That one sentence opens the door to real planning.</p><p>Ask to see what happens if markets drop 20% early in retirement, or if you <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/is-100-the-new-70">live to age 100</a>. A strong adviser will model those scenarios, showing you the trade-offs and guardrails in your plan. The weaker ones just say, "You'll be fine."</p><h2 id="4-use-meetings-to-realign-not-just-review-2">4. Use meetings to realign, not just review</h2><p>Before each meeting, think about what's changed since the last one — maybe you started a new job, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/getting-an-inheritance-things-to-consider">inherited money</a> or are helping a parent. Then start the conversation this way: "What's changed since our last meeting that might affect my plan?"</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>That question turns a routine review into a real discussion. Your adviser should help you adjust strategy, rebalance priorities and anticipate what's next. The best meetings are collaborative and forward-looking, not just performance check-ins.</p><h2 id="5-push-for-plain-english-2">5. Push for plain English</h2><p>If you can't repeat your adviser's explanation in one clear sentence that makes sense to you, it's not your fault — it's theirs. You have every right to stop and say, "Can you explain that again in simpler terms?"</p><p>Good advisers pride themselves on clarity. Jargon and buzzwords are red flags. You should leave each meeting understanding your plan better than before, not feeling more confused.</p><h2 id="6-prepare-to-be-challenged-but-not-steamrolled-2">6. Prepare to be challenged, but not steamrolled</h2><p>Every adviser has a philosophy, whether it's passive investing, active management or something in between. The key is alignment. Ask, "Can you walk me through your overall philosophy and how that applies to me?"</p><p>A great adviser listens first, respects your comfort level and explains how their approach supports your goals. You want someone who challenges your thinking without bulldozing your preferences. If you feel dismissed or pressured, that's your cue to move on.</p><h2 id="the-bottom-line-2">The bottom line</h2><p>Here's the question that tells you everything you need to know: "When circumstances change — whether that's my job or health, my goals or the markets — how will you help me adapt my plan?"</p><p>The answer reveals whether your adviser is a true fiduciary partner who's ready to guide you through change, or just a portfolio manager focused on the next quarter.</p><p>Great adviser meetings aren't about hand-holding or jargon. They're about collaboration and seeing your financial life as a living plan that evolves.</p><p>When you know what to ask and when to push for clarity, you'll always walk away feeling like the expert on your own life. And if you ever wonder whether your adviser is truly on your side, ask the simplest question of all: "Are you a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/603124/the-financial-fiduciary-standard-explained">fiduciary</a> 100% of the time for every client?"</p><p>The answer to that one question separates the professionals from the pretenders.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/are-investment-fees-putting-your-retirement-at-risk">Are Investment Fees Putting Your Retirement at Risk?</a></li><li><a href="https://www.kiplinger.com/retirement/questions-to-ask-when-choosing-a-fiduciary-adviser">11 Questions to Ask When Choosing a Fiduciary Adviser</a></li><li><a href="https://www.kiplinger.com/retirement/is-financial-advice-worth-8000-dollars">I'm a Personal Finance Expert: People Are Asking if Financial Advice Is Worth $8,000</a></li><li><a href="https://www.kiplinger.com/retirement/should-i-pay-financial-adviser-assets-under-management-fee">Should I Pay a Financial Adviser an Assets Under Management Fee?</a></li><li><a href="https://www.kiplinger.com/retirement/how-a-remarkable-financial-adviser-changed-one-womans-life">How Her Financial Adviser Changed Her Life</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/retirement-planning/this-is-how-to-tell-if-you-have-a-great-adviser</link> <description> <![CDATA[ Do you leave meetings with your financial adviser feeling as though you've been bulldozed into decisions or you're unsure of what you're paying for? ]]> </description> <guid isPermaLink="false">E6hhi753K2ZW8YheiJdTPb</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/essVMrPJLvB5F7RHCruyV9-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 09:30:00 +0000</pubDate> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <author><![CDATA[ pam@wealthramp.com (Pam Krueger) ]]></author> <dc:creator><![CDATA[ Pam Krueger ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/essVMrPJLvB5F7RHCruyV9-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[A businessman wearing a costume bunny head and white gloves.]]></media:text> <media:title type="plain"><![CDATA[A businessman wearing a costume bunny head and white gloves.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/essVMrPJLvB5F7RHCruyV9-1280-80.jpg" /> </item> <item> <title><![CDATA[ Government Shutdown Freezes National Flood Insurance Program: What Homeowners and Buyers Need to Know ]]></title> <dc:content><![CDATA[ <p>Did you know that because of the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/what-the-government-shutdown-means-to-retirees">government shutdown</a>, FEMA's National Flood Insurance Program is not available to new customers or people who want to increase their coverage?</p><p>On March 15, Congress extended the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/home-insurance/flood-insurance-why-you-need-it-and-where-to-buy-it">flood insurance</a> funding through September 30. As we are now well past that date, the program has been frozen. So what does this mean?</p><p>The National Flood Insurance Program (<a data-analytics-id="inline-link" href="https://www.fema.gov/flood-insurance" target="_blank">NFIP</a>) covers between 4.7 million and 5 million properties across the United States. As of this writing, if you have a paid-in-full NFIP policy, then if you file a claim, you <em>should</em> have your claim covered.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><p>But if you're looking to buy a new policy — for example, because you <a data-analytics-id="inline-link" href="https://www.kiplinger.com/real-estate/buying-a-house-could-be-best-investment-you-make">bought a house</a> — you're out of luck. If you're looking to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/insurance/how-to-re-shop-for-home-insurance">increase your coverage</a>, you're out of luck again. If your policy has lapsed and you want to get it back, you're still out of luck.</p><p>NFIP cannot write new policies, increase coverage or reinstate any existing policy. If your policy is coming up for renewal, you may be out of luck there, too, as NFIP isn't issuing renewals either.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_sTWQUVku_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="sTWQUVku"> <div id="botr_sTWQUVku_a7GJFMMh_div"></div> </div> </div></div><h2 id="your-home-sale-might-not-go-through-2">Your home sale might not go through</h2><p>As crazy as this sounds, the impact is far greater. Real estate sales are being heavily impacted since estimates suggest that about 1,300 home sales per day may be lost due to lenders requiring a home to have a flood insurance policy.</p><p>Remember, a flood insurance policy effectively helps to protect a bank's collateral, namely the property, in the event of flood damage. So if you think a bank will lend you money if it can't protect what it is lending for, you're sorely mistaken.</p><p>So what's a property owner to do?</p><p>If you haven't already shopped around for your flood insurance, then now is definitely the time. The federal government is not the only one offering flood insurance.</p><p>Flood insurance is offered by many privately owned insurance companies. The prices can be dramatically different than what the NFIP offers, either better or worse.</p><p>Coverage will differ as well, since a private insurance company can offer more choices than the federally mandated policy does.</p><h2 id="you-might-want-to-check-your-homeowners-policy-2">You might want to check your homeowners policy</h2><p>It is also worth mentioning that flood insurance covers very different loss types than your homeowners, condo owners or renters policy does. While many of those policies will cover water damage, they will not cover flood damage.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>To be more precise, damage to a home caused by flooding is typically specifically excluded from a homeowners policy. You are reading that correctly — flood damage is not the same as water damage, and flood damage is excluded from most homeowners policies.</p><p>That means, among other things, a homeowner whose home has rising water damage will need a flood insurance policy in place to cover any damage.</p><p>Additionally, you may say to yourself, "Self, you don't need a flood insurance policy because it doesn't flood here."</p><p>If this sounds like you, check <a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/insurance/t028-c001-s001-an-easy-way-to-save-on-homeowners-insurance.html">your homeowners insurance</a> policy language, and you may likely find a cornucopia of detailed explanations for what is and what isn't considered flood damage.</p><p>You may be surprised to find that if the water isn't coming in from the roof or a broken pipe, for the most part, you may need a flood insurance policy to have the protection you think you already have.</p><h2 id="what-you-can-do-2">What you can do</h2><p>Contact a local <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/tips-for-choosing-your-insurance-agent-or-broker">insurance broker</a> and ask them to see how much a flood insurance policy costs compared to a private insurance company.</p><p><em>Want to learn more about insurance? Visit </em><a data-analytics-id="inline-link" href="https://icgs.org" target="_blank"><em>icgs.org</em></a><em>. </em></p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/home-insurance/why-insurance-rates-are-soaring-what-you-can-do">I'm an Insurance Expert: This Is Exactly Why Your Insurance Rates Are Soaring (and What You Can Do)</a></li><li><a href="https://www.kiplinger.com/personal-finance/home-insurance/flood-insurance-why-you-need-it-and-where-to-buy-it">Do You Need Flood Insurance? I'm an Insurance Expert, and Here's Where You Can Get It</a></li><li><a href="https://www.kiplinger.com/personal-finance/home-insurance/expert-guide-to-preparing-your-home-for-storms-and-fires">Is Your Home Disaster-Ready? An Insurance Expert's Guide to Preparing for Storms and Fires</a></li><li><a href="https://www.kiplinger.com/personal-finance/homeowners-insurance-are-you-tempted-to-drop-it">Are You Tempted to Drop Your Homeowners Insurance?</a></li><li><a href="https://www.kiplinger.com/personal-finance/what-is-insurance-good-for-let-us-count-the-ways">What Is Insurance Good For? Let Us Count the Ways</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/home-insurance/government-shutdown-freezes-national-flood-insurance-program</link> <description> <![CDATA[ FEMA's National Flood Insurance Program is unavailable for new customers, increased coverage or renewals during the government shutdown. ]]> </description> <guid isPermaLink="false">55AEaFXT6PBu7vSDqXUvVf</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/3EYJSKTxfPkU7BJxFQzHHA-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Fri, 31 Oct 2025 09:30:00 +0000</pubDate> <category><![CDATA[Home Insurance]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Insurance]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author> <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3EYJSKTxfPkU7BJxFQzHHA-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Floodwaters in a neighborhood.]]></media:text> <media:title type="plain"><![CDATA[Floodwaters in a neighborhood.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/3EYJSKTxfPkU7BJxFQzHHA-1280-80.jpg" /> </item> <item> <title><![CDATA[ What Netflix Stock's 10-for-1 Split Means for Investors ]]></title> <dc:content><![CDATA[ <p><strong>Netflix</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NFLX" target="_blank">NFLX</a>) has given long-term investors plenty to cheer about. Over the past 15 years, NFLX stock has averaged an annual gain of 28.8%, easily outpacing the S&P 500's 14.6% total return (price change plus dividends). And the streaming giant's next move could encourage a new crop of folks to look its way.</p><p>After the close on Thursday, October 30, Netflix announced that its board of directors approved a 10-for-1 stock split. It will begin trading on a post-split basis at the open on Monday, November 17.</p><p>This marks the third stock split for Netflix: a 2-for-1 split on February 11, 2004, then a 7-for-1 on July 14, 2015. "The purpose of the stock split is to reset the market price of the Company's common stock to a range that will be more accessible to employees who participate in the Company's stock option program," Netflix said in its <a data-analytics-id="inline-link" href="https://ir.netflix.net/investor-news-and-events/financial-releases/press-release-details/2025/Netflix-Announces-Ten-For-One-Stock-Split/default.aspx" target="_blank">press release</a>.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>Indeed, shares closed squarely at $1,089 on Thursday, a price point that's out of reach for most retail investors.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"42da239f-0f19-4764-a128-227a4af60d9d","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:NFLX","realType":"embed"}</script></div><h2 id="what-does-the-netflix-stock-split-mean-2">What does the Netflix stock split mean?</h2><p>As for Netflix's stock split, it won't change anything about the company's fundamentals or market valuation. Rather, a stock split is similar to making change. In NFLX's case, it will be equivalent to breaking a $10 bill into 10 $1 bills.</p><p>Based on NFLX's October 30 close, the 10-for-1 stock split will bring the share price to about $109. This should make it much more attractive for retail investors, as well as Netflix employees participating in the company's stock purchase plan who are unable to buy NFLX stock at its current four-figure share price.</p><p>O'Reilly Automotive (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=ORLY" target="_blank">ORLY</a>) underwent a similar stock split earlier this year. The auto parts retailer cited the importance of keeping its share "more accessible to Team Members and investors" as the reason behind its <a data-analytics-id="inline-link" href="https://corporate.oreillyauto.com/wp-content/uploads/2025/07/2025-Stock-Split-FAQ.pdf" target="_blank">15-for-1 split</a>. Financial firm Interactive Brokers (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=IBKR" target="_blank">IBKR</a>) also split its stock recently.</p><h2 id="wall-street-says-netflix-stock-s-still-a-buy-2">Wall Street says Netflix stock's still a buy</h2><p>Netflix gapped lower last week after the streaming company <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/dow-beats-334-point-retreat-on-tech-bite-stock-market-today">missed third-quarter earnings expectations</a> due to an expense related to an ongoing dispute with Brazilian tax authorities. But analysts don't seem too concerned.</p><p>"Netflix's Q3 results and Q4 guidance underwhelmed investors after several quarters of phenomenal results," said Wedbush analyst <a data-analytics-id="inline-link" href="https://www.wedbush.com/analysts/alicia-reese/" target="_blank">Alicia Reese</a>. "With much still to prove, we think Netflix is positioning for substantial growth in global advertising, and that should not be overlooked."</p><p>Reese added that recent data checks suggest subscriber growth is continuing and price hikes are being absorbed with little resistance. Plus, "Netflix continues to enhance its ad business by expanding partnerships, improving targeting, and adding more live content. We expect ad revenue to become Netflix's primary revenue driver beginning in 2026, with significant opportunities in 2027."</p><p>Reese has an Outperform (Buy) rating on Netflix stock and a $1,400 price target, representing implied upside of more than 28% to current levels. She's hardly alone in her bullish outlook toward the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/best-communication-services-stocks-to-buy">communication services stock</a>.</p><p>Of the 49 analysts covering Netflix stock tracked by <a data-analytics-id="inline-link" href="https://www.spglobal.com/marketintelligence/en/" target="_blank">S&P Global Market Intelligence</a>, 25 say it's a Strong Buy, eight have it at Buy, 14 rate it a Hold and two have it at Strong Sell. This works out to a consensus Buy rating.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/invested-1000-in-netflix-nflx-stock-worth-how-much-now">If You'd Put $1,000 Into Netflix Stock 20 Years Ago, Here's What You'd Have Today</a></li><li><a href="https://www.kiplinger.com/investing/stocks/are-these-the-next-stocks-to-split">Are These the Next Stocks to Split?</a></li><li><a href="https://www.kiplinger.com/personal-finance/how-to-save-money/family-savings/601268/a-guide-to-streaming-services">Nine Ways You Can Save Money on Streaming Services</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/what-netflix-stocks-10-for-1-split-means-for-investors</link> <description> <![CDATA[ Netflix announced its long-awaited stock split after Thursday's close. NFLX will start trading on a split-adjusted basis ahead of the November 17 open. ]]> </description> <guid isPermaLink="false">eX2PUo7SVwFgZuRRPDNyyZ</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/waoAqgoqwwT6JCNXiuQw6H-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 23:19:21 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <author><![CDATA[ karee.venema@futurenet.com (Karee Venema) ]]></author> <dc:creator><![CDATA[ Karee Venema ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/waoAqgoqwwT6JCNXiuQw6H-1280-80.jpg"> <media:credit><![CDATA[Beata Zawrzel/NurPhoto via Getty Images]]></media:credit> <media:text><![CDATA[Netflix logo on smartphone sitting on computer keyboard]]></media:text> <media:title type="plain"><![CDATA[Netflix logo on smartphone sitting on computer keyboard]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/waoAqgoqwwT6JCNXiuQw6H-1280-80.jpg" /> </item> <item> <title><![CDATA[ Stocks Sink with Meta, Microsoft: Stock Market Today ]]></title> <dc:content><![CDATA[ <p>Earnings were the main driver of price action on Thursday, as market participants parsed quarterly results from some of Wall Street's largest companies. A highly anticipated meeting between President Donald Trump and Chinese President Xi Jinping sparked plenty of chatter, too.</p><p>Facebook parent <strong>Meta Platforms</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=META" target="_blank">META</a>, -11.3%) and tech giant <strong>Microsoft</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=MSFT" target="_blank">MSFT</a>, -2.9%) made two of the most notable post-earnings moves today. Both <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-are-the-magnificent-7-stocks"><u>Magnificent 7 stocks</u></a> ended sharply lower as spending concerns overshadowed quarterly beats.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"4f87a912-c462-40e3-ba9f-cbd6ced28e6b","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:META","realType":"embed"}</script></div><p>Meta, for one, reported higher-than-expected third-quarter earnings and revenue and strong fourth-quarter guidance. It also raised the lower end of its full-year expense forecast by $2 billion, now expecting total expenses of $114 billion to $118 billion in 2025 – up nearly 22% at the midpoint from 2024.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>And in Meta's earnings call, Chief Financial Officer Susan Li said the company expects "total expenses will grow at a significantly faster percentage rate than 2025, with growth primarily driven by infrastructure costs, including incremental cloud expenses and depreciation."</p><p>Microsoft beat on the top and bottom lines for its fiscal 2026 first quarter, but the company's capex of $34.9 billion came in above the $30 billion it forecast in July.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"278e42b2-c260-484b-8eee-4237dacfe6dd","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:MSFT","realType":"embed"}</script></div><p>Additionally, Chief Financial Officer Amy Hood said on the earnings call that the capex growth for fiscal 2026 will "be higher than fiscal year 2025" amid increased spending on "GPUs and CPUs" to power its artificial intelligence (AI) infrastructure.</p><h2 id="wall-street-isn-t-worried-about-alphabet-s-ai-spending-2">Wall Street isn't worried about Alphabet's AI spending</h2><p>Increased spending isn't a concern for <strong>Alphabet</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=GOOGL" target="_blank">GOOGL</a>), though, with the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/best-communication-services-stocks-to-buy"><u>communication services stock</u></a> jumping 2.5% after its earnings report.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"1bb45250-2795-4b13-b2e4-72370005617c","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"googl","realType":"embed"}</script></div><p>The Google parent said third-quarter earnings rose 35% year over year to $2.87 per share, while revenue increased 16% to $102.3 billion – both figures higher than analysts expected.</p><p>Google Services revenue jumped 14% on solid YouTube ad sales, while Google Cloud revenue, which houses its AI segments, surged 34%. Alphabet also increased its full-year capital expenditures amid "growth across our business and demand from Cloud customers."</p><p>"Alphabet just delivered its first-ever $100 billion quarter, silencing the doubters with standout performances in both Search and Cloud," said <a data-analytics-id="inline-link" href="https://www.hl.co.uk/writers/matt-britzman" target="_blank"><u>Matt Britzman</u></a>, senior equity analyst at Hargreaves Lansdown. "AI Overviews and AI Mode are clearly resonating with users, helping to ease fears that Google's core search business is under threat from generative AI."</p><h2 id="chipotle-suffers-its-biggest-one-day-drop-in-13-years-after-earnings-2">Chipotle suffers its biggest one-day drop in 13 years after earnings</h2><p>Elsewhere on the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/17494/next-week-earnings-calendar-stocks"><u>earnings calendar</u></a>,<strong> Chipotle Mexican Grill </strong>(<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=CMG" target="_blank">CMG</a>) plunged 18.2% after its third-quarter results, marking the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/605147/hedge-funds-top-blue-chip-stocks-to-buy-now"><u>blue chip stock</u></a>'s biggest one-day drop since July 20, 2012, whe it fell 21.5%.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"8b546574-0d70-43a5-bee2-e8a287199cd5","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:CMG","realType":"embed"}</script></div><p>The burrito chain's Q3 earnings of 29 cents per share were in line with estimates, but revenue of $3 billion fell short, as traffic declined 0.8%. It also said it expects full-year same-store sales to contract by a low single-digit percentage.</p><p>"Our third-quarter performance fell short of our expectations due to persistent macroeconomic pressures," said Chipotle CEO Scott Boatwright in the earnings call.</p><p>He pointed to the 25- to -35-year-old age group – a key demographic for Chipotle – as "facing several headwinds, including unemployment, increased student loan repayment and slower real wage growth."</p><h2 id="trump-says-he-ll-cut-tariffs-on-china-2">Trump says he'll cut tariffs on China </h2><p>In one of the week's high-stakes events, President Trump and Chinese President Xi Jinping met in their first face-to-face meeting in six years.</p><p>The two leaders reached agreements on several issues, with Trump saying he will lower tariffs on China related to fentanyl to 20% from 10% and extend the pause on reciprocal tariffs for the next 12 months.</p><p>Xi, meanwhile, authorized the purchase of agricultural products, including soybeans, from the United States. Beijing will also delay restrictions on rare earth minerals for one year.</p><p>The leaders also discussed Ukraine and Russia, with Trump telling reporters that the two countries are "both going to work together to see if we can get something done."</p><p>But the agreements weren't enough to overcome disappointing mega-cap earnings. The blue-chip <strong>Dow Jones Industrial Average</strong> fell 0.2% to 47,522, the broader <strong>S&P 500 </strong>shed<strong> </strong>1% to 6,822, and and the tech-heavy <strong>Nasdaq Composite</strong> slumped 1.6% to 23,581.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-market-overview.js" async>{"source":"marketOverview","id":"ebc268ae-5ca5-40d4-a4c8-fd2fcb86d61b","colorTheme":"light","dateRange":"12M","showChart":true,"locale":"en","largeChartUrl":"","isTransparent":false,"showSymbolLogo":true,"showFloatingTooltip":false,"width":"400","height":"550","plotLineColorGrowing":"rgba(41, 98, 255, 1)","plotLineColorFalling":"rgba(41, 98, 255, 1)","gridLineColor":"rgba(240, 243, 250, 0)","scaleFontColor":"rgba(19, 23, 34, 1)","belowLineFillColorGrowing":"rgba(41, 98, 255, 0.12)","belowLineFillColorFalling":"rgba(41, 98, 255, 0.12)","belowLineFillColorGrowingBottom":"rgba(41, 98, 255, 0)","belowLineFillColorFallingBottom":"rgba(41, 98, 255, 0)","symbolActiveColor":"rgba(41, 98, 255, 0.12)","tabs":[{"title":"Indices","originalTitle":"Indices","symbols":[{"d":"S&P 500 Index","s":"FOREXCOM:SPXUSD"},{"d":"Dow Jones Industrial Average Index","s":"FOREXCOM:DJI"},{"d":"Nasdaq Composite","s":"NASDAQ:IXIC"}]},{"title":"Futures","originalTitle":"Futures","symbols":[{"d":"S&P 500","s":"CME_MINI:ES1!"},{"d":"Euro","s":"CME:6E1!"},{"d":"Gold","s":"COMEX:GC1!"},{"d":"WTI Crude Oil","s":"NYMEX:CL1!"},{"d":"Gas","s":"NYMEX:NG1!"},{"d":"Corn","s":"CBOT:ZC1!"}]},{"title":"Bonds","originalTitle":"Bonds","symbols":[{"d":"T-Bond","s":"CBOT:ZB1!"},{"d":"Ultra T-Bond","s":"CBOT:UB1!"},{"d":"Euro Bund","s":"EUREX:FGBL1!"},{"d":"Euro BTP","s":"EUREX:FBTP1!"},{"d":"Euro BOBL","s":"EUREX:FGBM1!"}]},{"title":"Forex","originalTitle":"Forex","symbols":[{"d":"EUR to USD","s":"FX:EURUSD"},{"d":"GBP to USD","s":"FX:GBPUSD"},{"d":"USD to JPY","s":"FX:USDJPY"},{"d":"USD to CHF","s":"FX:USDCHF"},{"d":"AUD to USD","s":"FX:AUDUSD"},{"d":"USD to CAD","s":"FX:USDCAD"}]}],"realType":"embed"}</script></div><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/stocks/what-the-rich-know-about-investing-that-you-dont">What the Rich Know About Investing That You Don't</a></li><li><a href="https://www.kiplinger.com/investing/stocks/trgp-ttwo-bsx-why-experts-rate-these-stocks-at-strong-buy">Targa Resources, Take-Two Interactive, Boston Scientific: Why Experts Rate These Stocks at Strong Buy</a></li><li><a href="https://www.kiplinger.com/investing/stocks/best-stocks-to-buy-for-a-fed-rate-cut">Best Stocks to Buy for Fed Rate Cuts</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/stocks-sink-with-meta-microsoft-stock-market-today</link> <description> <![CDATA[ Alphabet was a bright light among the Magnificent 7 stocks today after the Google parent's quarterly revenue topped $100 billion for the first time. ]]> </description> <guid isPermaLink="false">4LQGfJNrNJVVyjGjaYbJVf</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/AJt8VzSxpjYKL9pTqbgnSk-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 20:06:25 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <author><![CDATA[ karee.venema@futurenet.com (Karee Venema) ]]></author> <dc:creator><![CDATA[ Karee Venema ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AJt8VzSxpjYKL9pTqbgnSk-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[meta platforms logos on mobile phone]]></media:text> <media:title type="plain"><![CDATA[meta platforms logos on mobile phone]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/AJt8VzSxpjYKL9pTqbgnSk-1280-80.jpg" /> </item> <item> <title><![CDATA[ The Original Property Tax Hack: Avoiding The ‘Window Tax’ ]]></title> <dc:content><![CDATA[ <p>Windows can provide stunning views, great sightlines to your backyard, and even boost mental health during the darkest days of the year.</p><p><strong>So why did some people in history brick them up, and what do windows have to do with your property tax bill? </strong></p><p>Well, the <a data-analytics-id="inline-link" href="https://s3.amazonaws.com/ClubExpressClubFiles/706426/documents/1798_Direct_Tax_Collection_Legislation_1348760164.pdf?AWSAccessKeyId=AKIA6MYUE6DNNJ6ROIH3&Expires=1761764788&response-content-disposition=inline%3B%20filename%3D1798_Direct_Tax_Collection_Legislation.pdf&Signature=d83m%2FIIvlBF2r27sd9oVQ77d0ms%3D" target="_blank"><u>Direct Tax of 1798</u></a> taxed houses worth more than $100. Because those homes often featured costly glass windows, tax assessors began using window counts in their assessments, earning the law’s nickname, the “Window Tax.”</p><p>The Window Tax led some Americans to lower their property tax assessment by boarding up windows — a practice copied from England for the same reason.</p><p>And while this all may sound dated and outlandish, it’s anything but.</p><p>That’s because we still have a de facto "window tax" in the U.S. today. And if you’re impacted by that tax, there are some ways you can challenge your property assessment or reduce property taxes on your family home.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_hEB3ir3W_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="hEB3ir3W"> <div id="botr_hEB3ir3W_a7GJFMMh_div"></div> </div> </div></div><h2 id="the-secret-tax-that-can-drive-up-your-property-tax-bill-2">The secret tax that can drive up your property tax bill</h2><p>When the United States Congress enacted the first federal property tax in 1798, there was immediate public outcry. The prevailing suspicion was that the new law wouldn’t be a one-off tax, according to a <a data-analytics-id="inline-link" href="https://goschenhoppen.org/window-pane-tax/" target="_blank"><u>historical society</u></a> in <a data-analytics-id="inline-link" href="https://www.kiplinger.com/state-by-state-guide-taxes/pennsylvania"><u>Pennsylvania</u></a>.</p><p>Citizens also disapproved of how the tax burden particularly affected those who were “house rich but cash poor” — namely, farmers. The spirited backlash eventually led to “<a data-analytics-id="inline-link" href="https://www.britannica.com/event/Friess-Rebellion" target="_blank"><u>The Fries Rebellion</u></a>” (which you might remember from history class), and the law was repealed in 1800.</p><p>However, a form of window tax still influences home values today, and, indirectly, property taxes. How? Here are a few examples:</p><ul><li><strong>Number of windows.</strong> A greater number of windows allows more natural light to enter a home, often enhancing its appeal to buyers. The increased visual aesthetic can drive up your home’s market value, which is one factor tax assessors use to determine your property tax assessment and overall tax burden.</li><li><strong>Size of windows.</strong> Installing large or unique windows often requires a permit and, consequently, a property reassessment. For instance, bay windows add square footage to your home’s footprint, which can drive up a <a href="https://www.kiplinger.com/taxes/property-tax-explained-what-homeowners-need-to-know"><u>property tax bill</u></a>.</li><li><strong>Condition of windows. </strong>New or <a href="https://www.kiplinger.com/taxes/605069/inflation-reduction-act-tax-credits-energy-efficient-home-improvements"><u>energy-efficient windows</u></a> can increase your home value, also impacting your property tax bill (depending on the jurisdiction).</li></ul><p>But you don’t need to start a rebellion to avoid the modern-day window tax. If you receive a notice in the mail about your annual assessment rising due to a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-deductible-home-improvements-for-retirement"><u>home improvement</u></a>, you can challenge that assessment directly.</p><h2 id="here-s-how-to-appeal-your-property-tax-assessment-2">Here’s how to appeal your property tax assessment </h2><p>Below are a few general steps to take to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/taxes/t055-s003-how-to-appeal-property-tax/index.html"><u>appeal your annual property tax assessment</u></a><em> (but you should follow the process on your property tax statement you receive in the mail): </em></p><ol start="1"><li><strong>Look at your property tax appeal deadline.</strong> Every local government has one, typically ranging from a few weeks to a couple of months.</li><li><strong>Ensure any applicable property tax breaks are on the assessment.</strong> Most states offer some form of homestead exemption that reduces your home’s tax assessment. These are different from tax breaks you claim when filing your state income return <em>(more on that later). </em></li><li><strong>Review your property’s record card.</strong> This essential document outlines key features of your home, like the number of bathrooms and bedrooms. By reviewing the property card online or through your local tax assessor’s office, you can spot errors that could erroneously drive up your home’s value.</li><li><strong>Compare your home’s record card to your neighbor’s.</strong> Property cards are public information. This means you can check your neighbors’ to make sure your property tax assessment is in line with theirs <em>(note: look at similarly aged homes with comparable square footage). </em></li></ol><p>Just like the Window Tax failed to measure true wealth, today’s property tax often fails to align with a person’s actual ability to pay. This contributes to the “house rich, cash poor” situation of the late 1700s, where income is limited but your home value is high. Still, there are other ways to reduce your property tax bill even if you can’t lower your tax assessment.</p><h2 id="three-ways-you-can-reduce-your-property-taxes-2">Three ways you can reduce your property taxes</h2><p>The modern-day equivalent of “bricking up a window” can be found in claiming targeted property tax relief. Below are a few examples of ways to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/how-to-lower-your-property-tax"><u>reduce your property tax bill</u></a>.</p><ul><li><strong>Apply for applicable state and local property tax breaks.</strong> Many states provide property tax deductions or credits, which can help you save on property taxes come tax filing season.</li><li><strong>Look for property tax relief programs (though watch out for scammers).</strong> For instance, <a href="https://www.aarp.org/" target="_blank"><u>AARP</u></a> offers <a href="https://ptaconsumers.aarpfoundation.org/" target="_blank"><u>Property Tax-Aide</u></a> to help older adults find legitimate programs for relief.</li><li><strong>Move to a state with lower property tax bills. </strong>While perhaps the least feasible on this list, if you are considering a move, try searching in <a href="https://www.kiplinger.com/taxes/states-with-the-lowest-property-tax"><u>states with lower property taxes</u></a>.</li></ul><p>Ultimately, there is no universal method for avoiding higher property taxes, as every home is as distinct as the family living inside. So consult with a qualified <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-filing/how-to-find-a-tax-preparer-what-to-look-for-in-a-tax-professional"><u>tax professional</u></a> when necessary. And remember: while the Window Tax may not be a thing of the past, your household could have a bright future.</p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/income-tax/603276/tax-breaks-for-homeowners-and-home-buyers">Ten Tax Breaks for Homeowners and Homebuyers in 2025</a></li><li><a href="https://www.kiplinger.com/taxes/property-tax-cap-by-state">Property Tax Cap: Does Your State Have One?</a></li><li><a href="https://www.kiplinger.com/taxes/most-expensive-states-to-live-in-for-homeowners">Most Expensive States to Live in for Homeowners</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/taxes/original-property-tax-hack-avoid-the-window-tax</link> <description> <![CDATA[ Here’s how homeowners can challenge their home assessment and potentially reduce their property taxes — with a little lesson from history. ]]> </description> <guid isPermaLink="false">9XuUk3irnxiiMgDfCS2X4P</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/RsVj7KbWiTYjXMnZboSfW4-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 14:01:00 +0000</pubDate> <category><![CDATA[Taxes]]></category> <category><![CDATA[Tax Law]]></category> <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RsVj7KbWiTYjXMnZboSfW4-1280-80.jpg"> <media:credit><![CDATA[Getty Images, Caiaimage/Martin Barraud]]></media:credit> <media:text><![CDATA[sunlight streaming in through window onto table with glass of water and flowers]]></media:text> <media:title type="plain"><![CDATA[sunlight streaming in through window onto table with glass of water and flowers]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/RsVj7KbWiTYjXMnZboSfW4-1280-80.jpg" /> </item> <item> <title><![CDATA[ Is Mint Mobile's Home Internet a Game-Changer or Just Another Option? ]]></title> <dc:content><![CDATA[ <p>Home internet is a necessity for many, and an expensive one at that. The average cost of home internet is $78 per <a data-analytics-id="inline-link" href="https://www.cnet.com/home/internet/americans-are-paying-78-monthly-for-internet-on-average-heres-what-to-do-if-your-bill-is-too-high/" target="_blank" rel="nofollow">CNET</a>. That's right in line with my experience, as I pay $80 for a 1-gig fiber internet plan with Frontier.</p><p>If you want to cut costs, there's a new internet provider on the block. Mint Mobile recently announced its home internet service, called <a data-analytics-id="inline-link" href="https://www.mintmobile.com/5g-home-internet/" target="_blank" rel="nofollow">MINTernet</a>.</p><p>I'll break down how the service works. Additionally, I'll compare its service with other cellular providers offering home internet plans to determine if Mint Mobile's service is worth the switch for you.</p><h2 id="mint-mobile-s-new-service-keeps-things-simple-and-affordable-2">Mint Mobile's new service keeps things simple and affordable</h2><p>When searching for an internet provider, costs and ease of use are at the top of my list. And these are two things Mint Mobile does exceptionally well.</p><p>Let's start with costs. If you have a Mint Mobile cellular plan, you can save $10 off its home internet service, bringing the initial cost down to $30 for the intro three-month period. If you don't have cell service with Mint Mobile, you can still get the plan for $40 for three months, which is about half of what the average internet bill is:</p><div class="product star-deal"><a data-dimension112="823f4512-ebea-430f-902d-e79a73c66e99" data-action="Star Deal Block" data-label="MINTernetGet unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. MINTernet" data-dimension48="MINTernetGet unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. MINTernet" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:200px;"><p class="vanilla-image-block" style="padding-top:100.00%;"><img id="JoTUbfEiYJZiZPsSapHih4" name="mint mobile logo from androidcentral.jpg" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/JoTUbfEiYJZiZPsSapHih4.jpg" mos="" align="middle" fullscreen="" width="200" height="200" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><p><strong></strong><a href="https://www.mintmobile.com/5g-home-internet/" target="_blank" rel="nofollow" data-dimension112="823f4512-ebea-430f-902d-e79a73c66e99" data-action="Star Deal Block" data-label="MINTernetGet unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. MINTernet" data-dimension48="MINTernetGet unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. MINTernet" data-dimension25=""><strong>MINTernet</strong></a></p><p>Get unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. <a class="view-deal button" href="" target="_blank" rel="nofollow" data-dimension112="823f4512-ebea-430f-902d-e79a73c66e99" data-action="Star Deal Block" data-label="MINTernetGet unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. MINTernet" data-dimension48="MINTernetGet unlimited, 5G home internet for as low as $30 per month when you combine Mint Mobile's home internet and cell service. MINTernet" data-dimension25="">View Deal</a></p></div><p>After the first three months, the service costs depend on a few factors. This table breaks them down:</p><div ><table><caption>Mint Mobile's home internet costs</caption><thead><tr><th class="firstcol " ><p>Months prepaid</p></th><th ><p>With Mint Mobile cellular</p></th><th ><p>Without Mint Mobile's cellular</p></th></tr></thead><tbody><tr><td class="firstcol " ><p>3 months</p></td><td ><p>$40</p></td><td ><p>$50</p></td></tr><tr><td class="firstcol " ><p>6 months</p></td><td ><p>$35</p></td><td ><p>$45</p></td></tr><tr><td class="firstcol " ><p>1 year</p></td><td ><p>$30</p></td><td ><p>$40</p></td></tr></tbody></table></div><p>Along with costs, ease of use is imperative. Unlike other internet providers, where you have to schedule an installation appointment, then another one for them to bury the line in your yard, Mint Mobile simplifies the process. They'll send you a wireless gateway (with expedited shipping) that you plug in, connect your devices and the service is ready to go.</p><h2 id="how-does-mint-mobile-s-service-work-2">How does Mint Mobile's service work?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2159px;"><p class="vanilla-image-block" style="padding-top:64.34%;"><img id="KwDgPcFjh4wQoKA83dyCMJ" name="GettyImages-1600868216" alt="a woman scrolling on her computer in her home office" src="https://cdn.mos.cms.futurecdn.net/KwDgPcFjh4wQoKA83dyCMJ.jpg" mos="" align="middle" fullscreen="" width="2159" height="1389" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>Mint offers 5G internet connection through T-Mobile's network. That means before signing up for service, you'll want to check T-Mobile's <a data-analytics-id="inline-link" href="https://www.t-mobile.com/coverage/coverage-map" target="_blank"><u>coverage map</u></a> to ensure you'll receive the higher speeds.</p><p>Next, you'll want to see if the service is in your area. You can visit Mint Mobile's <a data-analytics-id="inline-link" href="https://www.mintmobile.com/5g-home-internet/" target="_blank"><u>website</u></a> and enter your address to see if coverage is available. If it is, you can sign up for service online within minutes. Also, if you want to cancel service later on, there are no early termination fees.</p><p>What happens if you try out the service and dislike it? No worries, you have a 14-day money-back guarantee, making it a risk-free way to see if its connection speeds are adequate for your online needs.</p><p>How fast is the network? It depends on where you live. Mint Mobile says you can experience download speeds between 133-415 Mbps, with upload speeds of 12-55 Mbps. The download speeds are comparable to what you probably receive through your service provider now.</p><h2 id="how-does-mint-mobile-compare-to-other-internet-providers-2">How does Mint Mobile compare to other internet providers?</h2><p>Here's a breakdown of how Mint Mobile's home internet compares to other services:</p><div ><table><caption>Measuring Mint Mobile's service against competing cellular providers</caption><thead><tr><th class="firstcol " ><p>Provider</p></th><th ><p>Price</p></th><th ><p>Download speed</p></th><th ><p>Usage before speeds throttle</p></th></tr></thead><tbody><tr><td class="firstcol " ><p>Mint Mobile</p></td><td ><p>$30-$50</p></td><td ><p>133-415 Mbps</p></td><td ><p>1.0 TB</p></td></tr><tr><td class="firstcol " ><p>T-Mobile</p></td><td ><p>$50</p></td><td ><p>87-415 Mbps</p></td><td ><p>1.2 TB</p></td></tr><tr><td class="firstcol " ><p>Verizon</p></td><td ><p>$50</p></td><td ><p>Up to 25 Mbps</p></td><td ><p>150 GB</p></td></tr></tbody></table></div><p>Every mobile internet provider has a data cap. How it works is if you reach the data threshold for the month and there's network congestion during peak usage, they'll lower the connection speeds of the users exceeding it.</p><p>Also, to be fair to Verizon, my location only qualified for the Lite plan. But as you can see, even the Lite plan pales in comparison to what you receive in terms of value, data allowance and download speeds Mint Mobile offers.</p><h2 id="is-mint-mobile-s-home-internet-a-good-deal-2">Is Mint Mobile's home internet a good deal?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="cWbifFcZeHv9oPYbnGnWD4" name="GettyImages-1355067067" alt="a happy couple sitting in their kitchen on a video call" src="https://cdn.mos.cms.futurecdn.net/cWbifFcZeHv9oPYbnGnWD4.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>It depends on your needs. If you're looking to cut costs and you're in their service area, it makes sense to give them a try.</p><p>Their download speeds are favorable to other cellular providers offering home internet, and even without the phone plan discount, you're still paying well below what you would with a regular internet provider. The only issue is you'll have to pay at least three months in advance, and the best savings force you to prepay for a year of service.</p><p>The good news is that you have a risk-free way of trying it out. You can test speeds for two weeks, and if it doesn't work for you, you can return the gateway and get your money back. For the price and the features, this is one of the better buys I've come across, if it works for your needs.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content </span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/how-fast-does-your-internet-really-need-to-be">How Fast Does Your Internet Really Need to Be?</a></li><li><a href="https://www.kiplinger.com/personal-finance/spending/get-mint-mobile-unlimited-for-15-monthly">Get Mint Mobile Unlimited for $15 Monthly With This Deal</a></li><li><a href="https://www.kiplinger.com/personal-finance/how-to-save-money/family-savings/601268/a-guide-to-streaming-services">Nine Ways You Can Save Money on Streaming Services</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/online-shopping/is-mint-mobiles-home-internet-a-game-changer</link> <description> <![CDATA[ Mint Mobile recently unveiled its new home internet service. We break down how it works so you can determine if it's a great value for your needs. ]]> </description> <guid isPermaLink="false">neJQSzcxr9QXTEH4LwevYN</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/SRLsmS7C5BAtEZGDASFEpZ-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 13:00:00 +0000</pubDate> <category><![CDATA[Online Shopping]]></category> <category><![CDATA[How To Save Money]]></category> <category><![CDATA[Leisure]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Shopping]]></category> <category><![CDATA[Spending]]></category> <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SRLsmS7C5BAtEZGDASFEpZ-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[a couple looking at an iPhone]]></media:text> <media:title type="plain"><![CDATA[a couple looking at an iPhone]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/SRLsmS7C5BAtEZGDASFEpZ-1280-80.jpg" /> </item> <item> <title><![CDATA[ How to Add Your Driver’s License or State ID to Google Wallet ]]></title> <dc:content><![CDATA[ <p>If you’re like many people, your phone is nearly glued to your hand. You use it all day to check emails, shop, browse the internet and maybe even make a call.</p><p>But have you ever thought that your device could be used to store and share your identification card or driver’s license? Depending on where you live, you may be able to link your ID to your Google Wallet.</p><p>We’ll share how and where this technology works. Then, you can decide if you want to go digital or keep it old school and continue using your physical ID.</p><h2 id="where-you-can-use-your-digital-id-2">Where you can use your digital ID</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="xryELzFEcp6K2E3TaYyDcd" name="GettyImages-2213356297" alt="TSA agents check identification of travelers at San Francisco International Airport in San Francisco, California" src="https://cdn.mos.cms.futurecdn.net/xryELzFEcp6K2E3TaYyDcd.jpg" mos="" align="middle" fullscreen="" width="1024" height="683" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: San Francisco Chronicle/Hearst Newspapers / Contributor)</span></figcaption></figure><p>Being able to present a digital version of your driver’s license or state-issued photo ID sounds exciting and efficient. After all, you use your phone for everything else, so why not use it to prove you’re really you?</p><p>But, before you get too eager to add your ID to your Google Wallet, you should know that this emerging technology is currently only accepted in these states:</p><ul><li>Arizona</li><li>Arkansas</li><li>California</li><li>Colorado</li><li>Georgia</li><li>Iowa</li><li>Maryland</li><li>Montana</li><li>New Mexico</li><li>North Dakota</li></ul><p>If you don’t have a REAL ID from one of these places, you’re currently out of luck. But if you do, you can use it to verify your identity or prove your age at participating<a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/travel/tsa-security-screening-faster-for-clear-members"> <u>TSA checkpoints</u></a> and businesses.</p><div class="product star-deal"><a data-dimension112="28253506-fed0-405f-af2f-b22ec98e1211" data-action="Star Deal Block" data-label="card picks for airline rewards" data-dimension48="card picks for airline rewards" href="https://oc.brcclx.com/t?lid=26759010&s1=https://www.kiplinger.com/personal-finance/travel/how-to-add-your-drivers-license-or-state-id-to-google-wallet" target="_blank" rel="nofollow"><figure class="van-image-figure " ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:3200px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="AVLBfCxFGwk9aB57NSCbCU" name="traveling GettyImages-2169421236" caption="" alt="" src="https://cdn.mos.cms.futurecdn.net/AVLBfCxFGwk9aB57NSCbCU.jpg" mos="" align="middle" fullscreen="" width="3200" height="1800" attribution="" endorsement="" credit="" class=""></p></div></div></figure></a><p>Love to travel? One of Kiplinger’s top <a href="https://oc.brcclx.com/t?lid=26759010&s1=https://www.kiplinger.com/personal-finance/travel/how-to-add-your-drivers-license-or-state-id-to-google-wallet" target="_blank" rel="nofollow" data-dimension112="28253506-fed0-405f-af2f-b22ec98e1211" data-action="Star Deal Block" data-label="card picks for airline rewards" data-dimension48="card picks for airline rewards" data-dimension25="">card picks for airline rewards</a> can help you earn miles faster on flights, hotels and travel essentials, powered by Bankrate. Advertising <a href="https://www.kiplinger.com/content-funding-on-kiplinger">disclosure</a>.</p><p><a href="https://oc.brcclx.com/t?lid=26759010&s1=https://www.kiplinger.com/personal-finance/travel/how-to-add-your-drivers-license-or-state-id-to-google-wallet" target="_blank" rel="nofollow"><strong>View Offers</strong></a></p></div><h2 id="technical-requirements-to-add-your-digital-id-to-your-google-wallet-2">Technical requirements to add your digital ID to your Google Wallet</h2><p>If you want to add your digital ID to your Google Wallet, here’s what you need:</p><ul><li>A phone running Android 9 or newer</li><li>A<a href="https://support.google.com/android/answer/9079129" target="_blank"> <u>screen lock</u></a> with a password, pattern, pin or fingerprint</li><li>Bluetooth and nearby devices enabled</li><li>A REAL ID from a participating state above</li></ul><p><strong>Important note:</strong> You can only attach your ID to one device at a time. If you need to remove it from another phone, you can do so in your Google Wallet app or your Google online account. Once you find and tap the relevant ID, the process is intuitive, but Google offers step-by-step guidance in case you need it.</p><h2 id="how-to-add-your-digital-id-to-your-google-wallet-2">How to add your digital ID to your Google Wallet</h2><div class="youtube-video" data-nosnippet ><div class="video-aspect-box"><iframe data-lazy-priority="low" data-lazy-src="https://www.youtube.com/embed/RVYNbjWrdIc" allowfullscreen></iframe></div></div><p>Follow these simple steps to add your digital ID to your Google Wallet:</p><ol start="1"><li>Open the Google Wallet app.</li><li>Tap the “+” button.</li><li>Tap “ID.”</li><li>Select “Driver’s license or state ID.”</li><li>Choose your state.</li><li>Read the information and tap “Get started.”</li><li>Read the information and tap “Continue.”</li><li>Read through the agreement and tap “I agree.”</li><li>Scan the front of your ID card or driver’s license. Then, scan the back. (For best results, lay the card flat on a dark background and have good lighting.)</li><li>Take a video of yourself. A still image will be sent to your state’s issuing authority for verification.</li></ol><p>Your state will process your request. It may take a few minutes to get a response, and you may be asked to provide more information. Follow the instructions in the Google Wallet app.</p><h2 id="how-to-use-your-digital-id-2">How to use your digital ID</h2><p>Every business that accepts digital IDs may have a different way of doing so, but here are the steps to share your electronic document with the TSA:</p><ol start="1"><li>Enable Bluetooth on your phone.</li><li>Open the Google Wallet app.</li><li>Locate the TSA kiosk. (<strong>Please note: </strong>Not every airport offers this technology.)</li><li>Hold your phone over the device reader. Your ID will load automatically.</li><li>Wait for the kiosk to take a photograph of you.</li><li>Tap “Continue” to allow the app to share your ID information with the TSA.</li><li>Confirm your identity with your password, pattern, pin or fingerprint.</li><li>Wait for the process to complete. You’ll see a blue checkmark on the screen when it’s done.</li></ol><p>You may also be able to scan a QR code to share your ID information.</p><p><strong>Important reminder:</strong> Digital ID acceptance is gradually becoming more mainstream. However, in many cases, you’ll still need to present a hard copy of your ID from your physical wallet for the foreseeable future.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/travel/what-to-take-on-a-plane-for-a-comfortable-trip"><u>What To Take on a Plane for a More Comfortable Trip | Kiplinger</u></a></li><li><a href="https://www.kiplinger.com/personal-finance/travel/digital-drivers-licenses-where-iphone-works-as-legal-id"><u>Apple Wallet ID: How to Add Your Driver’s License or State ID</u></a></li><li><a href="https://www.kiplinger.com/personal-finance/how-to-guard-against-identity-theft"><u>How to Guard Against Identity Theft in 2025</u></a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/travel/how-to-add-your-drivers-license-or-state-id-to-google-wallet</link> <description> <![CDATA[ Store and use your digital ID securely on your Android device for TSA, age verification and more. ]]> </description> <guid isPermaLink="false">AYYEpChfCyXUYMg65p7Fw3</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/Vwu8VvN6pbr4wiCbXmSKGM-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 10:30:00 +0000</pubDate> <category><![CDATA[Travel]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Spending]]></category> <category><![CDATA[Leisure]]></category> <author><![CDATA[ laura@everydaybythelake.com (Laura Gariepy) ]]></author> <dc:creator><![CDATA[ Laura Gariepy ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Vwu8VvN6pbr4wiCbXmSKGM-1280-80.jpg"> <media:credit><![CDATA[SOPA Images / Contributor]]></media:credit> <media:text><![CDATA[Google Wallet logo is seen displayed on a smartphone screen.]]></media:text> <media:title type="plain"><![CDATA[Google Wallet logo is seen displayed on a smartphone screen.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Vwu8VvN6pbr4wiCbXmSKGM-1280-80.jpg" /> </item> <item> <title><![CDATA[ I Retired at 60 Two Years Ago With $3.1 Million. My 62-Year-Old Wife Still Works Because She Wants to, but She Resents My Free Time. Help! ]]></title> <dc:content><![CDATA[ <p><strong>Question</strong>: I retired at 60 two years ago with $3.1 million. My 62-year-old wife still works because she wants to. However, she resents my free time. Help!</p><p><strong>Answer</strong>: A <a data-analytics-id="inline-link" href="https://www.massmutual.com/global/media/shared/doc/2024_massmutual_retirement_happiness_study.pdf" target="_blank"><u>2024 MassMutual survey</u></a> found that 63 is the ideal age to retire, according to both retirees and pre-retirees. But if you’ve saved enough, are tired of the daily grind, and want to enjoy more free time while you’re relatively young, you may opt to retire on the early side.</p><p>If you managed to accumulate $3.1 million by age 60, it’s easy to see why you’d feel comfortable retiring from a financial standpoint. The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/average-retirement-savings-by-age">average retirement savings balance</a> among 60-year-olds was only $537,560 as of 2022, according to the <a data-analytics-id="inline-link" href="https://www.federalreserve.gov/econres/scf/dataviz/scf/table/#series:Retirement_Accounts;demographic:agecl;population:1,2,3,4,5,6;units:mean" target="_blank"><u>Federal Reserve</u></a>, the last year for which it has such data available. Having almost six times as much savings as the typical person your age should give you the confidence to say you’re done working for good.</p><p>But what if you’re retired and your wife still plugs away at a job? It’s easy to see how she might grow resentful of your free time when she’s putting in the hours to continue earning a paycheck.</p><p>It’s a situation that could cause a world of conflict, so it’s important to address it before it truly wreaks havoc on your marriage.</p><h2 id="ask-questions-and-validate-one-another-s-feelings-2">Ask questions and validate one another’s feelings</h2><p>The transition into retirement can create a lot of tension in a marriage, especially when partners are on different timelines, says <a data-analytics-id="inline-link" href="https://www.bestconflictsolutions.com/" target="_blank"><u>Kimberly Best</u></a>, Dispute Resolution Expert and Founder of Best Conflict Solutions, a mediation and conflict management firm.</p><p>Even if your wife isn’t working due to financial concerns, but rather, because she’s not ready for full-blown retirement, she may still be feeling uncomfortable with the situation.</p><p>"Her resentment likely isn't just about your free time," says Best. "It's probably connected to unspoken expectations, feelings about fairness, or concerns she hasn't fully articulated yet."</p><p>That’s why Best says it’s important to ask the right questions.</p><p>"Start with curiosity, not defense," she says. "Instead of explaining why you earned your retirement, ask genuine questions. ‘I'm sensing some tension around our different schedules. Can we talk about what's really bothering you?’ Then listen without jumping to solutions or justifications."</p><p>Best says it’s also important to try to validate one another’s feelings.</p><p>"You can be genuinely entitled to enjoy retirement, and she can feel frustrated watching you relax while she works. Both feelings are valid. Acknowledging this opens dialogue instead of creating sides," Best explains.</p><h2 id="be-willing-to-step-up-2">Be willing to step up</h2><p>After working hard to save $3.1 million, you’re certainly entitled to kick back and relax during retirement. But if your wife is still grinding away at work, she may need more support on the home front. If she isn’t asking for it, it could pay to offer it, says <a data-analytics-id="inline-link" href="https://drcraigkain.journoportfolio.com/" target="_blank"><u>Craig Kain</u></a>, Psychologist and Psychotherapist at Craig Kain, PhD, Psychology Services.</p><p>In situations like these, he explains, "Sometimes the resentment is caused by an unspoken desire on the part of the working spouse to have the retired spouse do more chores and be more helpful around the house. While it would certainly be better for the working spouse to express their desires more directly, if we are the one retired, asking if there is anything we can do for our spouse while they are at work is always helpful."</p><h2 id="recognize-that-your-spouse-may-have-good-intentions-2">Recognize that your spouse may have good intentions</h2><p>Your wife’s resentment of your newfound free time might seem petty. But Kain points out that in these types of situations, what often lies beneath that resentment is fear.</p><p>"Spouses often worry that not working may cause depression in highly successful, Type A executives who have retired," he explains. "They may often be concerned that too much <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/the-rule-of-1-000-hours-in-retirement">free time in retirement</a> might cause physical or cognitive decline."</p><p>It may help for you to explain to your wife what you’re doing with your time while she’s at work, and to reassure her that your routine is one you’re enjoying. You can also share some of the activities you’ve been doing that are <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/plan-for-your-passion-in-retirement">bringing meaning to your life</a>. And if these conversations with your wife are making you realize you <em>aren’t</em> getting out as much as you should be, consider that a wake-up call.</p><p>"It’s crucial to plan how we will spend our extra time when our spouse is at work so our brains are challenged, so we get out of the house and move our bodies, and so we engage in social activities," Kain says.</p><p>At the same time, it’s a good idea to think of ways you and your wife can maximize your time together on evenings and weekends, or whenever she's not working. You may want to suggest activities you both enjoy, or ask her what activities she’d like you to plan.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="open-communication-can-ease-a-tough-transition-2">Open communication can ease a tough transition</h2><p>A lot of people struggle to adjust to retirement, whether they end their careers at the same time as their spouses or not.</p><p>As Kain says, "While most people will plan financially for retirement — and if you have $3.1 million at age 62, you clearly did — we rarely get counseled on planning for the emotional and psychological challenges of retirement, which includes how retirement will change the dynamics of our relationships.”</p><p>Ultimately, the optimal approach is to communicate openly with the person you've built a life with. But don't wait, says Best.</p><p>"Unresolved conflict builds resentment, and resentment rarely stays confined to one issue. What feels like irritation about your golf game today can morph into bitterness about the entire relationship tomorrow," she insists.</p><p>Best also says that if your conversations with your wife feel unproductive, it's okay to seek outside help, whether from a counselor, a family mediator or a conflict coach.</p><p>"This isn't admitting failure. It's demonstrating commitment to your relationship," she says.</p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/the-rule-of-two-lives-in-retirement">Rule of Two Lives in Retirement: Accounting for Your Partner at Every Decision Point</a></li><li><a href="https://www.kiplinger.com/retirement/my-husband-and-i-retired-this-year-at-67-with-usd3-2-million-hes-very-frugal-whenever-we-travel-which-makes-me-resentful">My Husband and I Retired at 67 With $3.2 Million, But He's Frugal About Travel. How Ca</a><a href="https://www.kiplinger.com/retirement/my-husband-and-i-retired-this-year-at-67-with-usd3-2-million-hes-very-frugal-whenever-we-travel-which-makes-me-resentful">n I Convince Him to Loosen Up?</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/i-want-to-retire-but-i-have-to-keep-working-so-my-adult-kids-have-insurance">I Want to Retire, but I Have to Keep Working so My Adult Kids Have Insurance</a></li><li><a href="https://www.kiplinger.com/retirement/spousal-iras-what-you-should-know">What You Should Know About Spousal IRAs</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/i-retired-at-60-two-years-ago-with-usd3-1-million-my-62-year-old-wife-still-works-because-she-wants-to-but-she-resents-my-free-time-help</link> <description> <![CDATA[ We asked a psychologist and a mediation expert for advice. ]]> </description> <guid isPermaLink="false">C2wFvpxJAq2bVPFLBSetWF</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/7mUERWDQwVWDr8GBTcpRHf-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 10:06:00 +0000</pubDate> <category><![CDATA[Retirement]]></category> <category><![CDATA[Retirement Planning]]></category> <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7mUERWDQwVWDr8GBTcpRHf-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Senior couple sharing breakfast in their modern kitchen, discussing their worries and challenges while sipping coffee and tea together.]]></media:text> <media:title type="plain"><![CDATA[Senior couple sharing breakfast in their modern kitchen, discussing their worries and challenges while sipping coffee and tea together.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/7mUERWDQwVWDr8GBTcpRHf-1280-80.jpg" /> </item> <item> <title><![CDATA[ Five Downsides of Dividend Investing for Retirees, From a Financial Planner ]]></title> <dc:content><![CDATA[ <p>Some time ago, I had a prospective client meeting with a gentleman whose daughter had special needs. The goal of his investment strategy was to leave enough money for her.</p><p>That makes sense, but what didn't make sense was his "how" — he planned to live off <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/dividend-stocks/what-are-dividend-stocks">dividends</a> and pass the principal along to her.</p><p>Even if you can afford to do this, I don't think it's advisable, for a few reasons.</p><h2 id="1-dividend-yields-are-low-2">1. Dividend yields are low</h2><p>As of October 2025, the dividend yield of the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/tag/sandp-500">S&P 500</a> is less than 2%. Of course, you can find dividend yields over 2%, but that typically requires a more concentrated portfolio.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><p>For today's purposes, let's pretend you have a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/604421/why-you-need-to-be-diversified-to-protect-your-portfolio">diversified portfolio</a> with a dividend yield of 2% that you plan to use for your monthly expenses. Say you need $15,000 a month or $180,000 a year. To generate that entire amount from dividends would require a portfolio of $9 million.</p><p>This oversimplifies the issue, but if I were to build a financial plan for someone who came into my firm and said, "I need $15,000 a month, so how much money do I need to retire?" the number would be far less.</p><p>Most financial planning software will use a <a data-analytics-id="inline-link" href="https://www.investopedia.com/terms/t/totalreturn.asp">total return</a> approach. You can access a <a data-analytics-id="inline-link" href="https://app.rightcapital.com/account/sign-up?referral=9d672a69-1f7d-4585-85e1-530c682a9856&type=client&advisor_id=ddhr8hUQaKk6JoglVAf9Tg" target="_blank">free version</a> of what we use online.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><h2 id="2-when-you-search-for-yield-you-invite-risk-2">2. When you search for yield, you invite risk</h2><p>If you are buying stocks based only on the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks-with-the-highest-dividend-yields-in-the-sandp-500">dividend yield</a>, you are likely inviting a lot of risk into your portfolio. Dividend yield is calculated by dividing the annual dividend by the share price.</p><p>So, as share prices decrease, dividend yields increase. If you are searching for yield, you may just be filtering for companies that have seen significant drops in their share price.</p><p>If you can find high yields without significant price drops, my guess is that these companies are concentrated in sectors of mature stocks that have a history of high dividends.</p><p>Think utilities, financials, energy and so on. This is not to say these are bad investments, but you are betting on specific sectors, which may lead to a bumpy ride.</p><p>This is not unique to stock investing. If you are buying a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/bonds/601094/bonds-10-things-you-need-to-know">bond</a> with a significantly <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/bonds/par-value-of-bonds">above-market coupon</a>, there is risk that you are being paid for. That's why high-yield bonds were called junk bonds until the marketing department got its hands on them.</p><h2 id="3-they-are-just-giving-you-your-own-money-back-2">3. They are just giving you your own money back</h2><p>If you had $1 million in the bank and went in every quarter and took out $5,000, it would be tough to call this an income strategy. But in a way, this is the same structure as dividend investing.</p><p>If you own a stock worth $100 that pays a 2% dividend, when it pays the quarterly dividend of $0.50, the stock drops by that amount; i.e., your $100 stock is worth $99.50. Just as your bank account would contain $995,000 after taking out one quarter's income.</p><p>Of course, this is not totally apples-to-apples. In a bank account, your remaining funds are in a deposit account. In the dividend example, you are staying invested in the stock with 98% of the money.</p><p>The important point is that dividends aren't "free money." They are giving you your money.</p><h2 id="4-the-tax-consequences-2">4. The tax consequences</h2><p>I'm both a CFP® professional and an IRS <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-returns/an-irs-enrolled-agents-top-reasons-to-stop-doing-your-own-taxes">enrolled agent</a>, so tax planning is a huge part of our value proposition for our clients and prospective clients. Prospective clients often come to our firm to get a second opinion on a new tax strategy that another adviser is proposing.</p><p>Nine times out of 10, it is a permanent life insurance policy with a new marketing name. The point is that it is very hard to avoid taxation altogether. You just want to make sure that your income strategy is efficient.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>Dividends are taxable whether or not you reinvest them. Some dividends are taxable at <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/capital-gains-tax/604943/what-is-capital-gains-tax">capital gains</a> rates. Others are taxable at <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-brackets/602222/income-tax-brackets">income tax rates</a>, which are higher.</p><p>Either way, if you have a significant yield, you will show a significant amount of income on the front page of your 1040.</p><p>You may be better off holding those high-dividend payers in a tax-sheltered vehicle, such as an IRA.</p><p>Additionally, if you are in a high tax bracket, it may make sense to live off a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/investing/t052-c000-s001-municipal-bonds.html">municipal bond</a> portfolio and hold the stocks in your retirement account.</p><h2 id="5-it-s-going-to-be-a-roller-coaster-2">5. It's going to be a roller coaster</h2><p>Dividends are typically generated by mature stocks. "Stocks" is the key word. If this is your entire strategy, then, in theory, your entire portfolio is in stocks.</p><p>Our retirees typically have 60% to 70% in stocks. While this could never be guaranteed, a portfolio of 60% stocks is likely to experience a smoother ride than one of 100% stocks.</p><p>There is an ever-increasing number of dividend strategies that make sense in certain situations.</p><p>For example, a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/sandp-500-dividend-aristocrats-whos-out-whos-in">Dividend Aristocrat</a> strategy buys stocks that have historically increased dividends. When you reinvest those dividends, you have historically done well.</p><p>I also regularly come across clients with six figures or more in utility stocks that they basically forgot about but have been reinvesting dividends for several decades.</p><p>The common thread among these effective strategies is that they are effective for accumulation. When it comes to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-income-distribution-plan-is-as-critical-as-saving">decumulation</a>, I believe there are better ways.</p><p><em>The examples provided are hypothetical and for illustrative purposes only. </em></p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/dividend-stocks/what-is-dividend-investing">Dividend Investing: Pros, Cons and Rules to Follow</a></li><li><a href="https://www.kiplinger.com/investing/stocks/601018/kiplinger-dividend-15-our-favorite-dividend-paying-stocks">The Kiplinger Dividend 15: Our Favorite Dividend-Paying Stocks</a></li><li><a href="https://www.kiplinger.com/investing/how-to-manage-portfolio-risk-with-diversification">How to Manage Portfolio Risk With Diversification</a></li><li><a href="https://www.kiplinger.com/retirement/concentrated-stock-positions-options-for-retirees">Three Options for Retirees With Concentrated Stock Positions</a></li><li><a href="https://www.kiplinger.com/retirement/asset-allocation-for-retirees-what-to-consider">Asset Allocation for Retirees: Five Things to Consider</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/retirement-planning/downsides-of-dividend-investing-for-retirees</link> <description> <![CDATA[ Can you rely on dividend-paying stocks for retirement income? You'd have to be extremely wealthy — and even then, the downsides could be considerable. ]]> </description> <guid isPermaLink="false">sLDRDFen2xNHV67MuqnkP6</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/u2V8ujWYMYBGtjrhyLb6z8-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Thu, 30 Oct 2025 09:30:00 +0000</pubDate> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Dividend Stocks]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <category><![CDATA[Stocks]]></category> <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author> <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/u2V8ujWYMYBGtjrhyLb6z8-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Five yellow paper arrows that are wrinkled and point down.]]></media:text> <media:title type="plain"><![CDATA[Five yellow paper arrows that are wrinkled and point down.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/u2V8ujWYMYBGtjrhyLb6z8-1280-80.jpg" /> </item> <item> <title><![CDATA[ Dow, S&P 500 Slip on December Rate Cut Worries, Nvidia Boosts Nasdaq: Stock Market Today ]]></title> <dc:content><![CDATA[ <p>Stocks opened modestly higher on Wednesday as several mega-cap stocks rallied ahead of a rush of Big Tech earnings. The main indexes finished mixed, though, after the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/live/october-fed-meeting-live-updates-and-commentary-2025"><u>Federal Reserve lowered interest rates</u></a>, as expected, but suggested a December rate cut is not a sure thing.</p><p><strong>Nvidia</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NVDA" target="_blank">NVDA</a>) was one of the most talked-about stocks today after the artificial intelligence (AI) bellwether rose 3% to become the first company to close with a $5 trillion <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-is-market-cap"><u>market cap</u></a>.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"4f87a912-c462-40e3-ba9f-cbd6ced28e6b","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:NVDA","realType":"embed"}</script></div><p>NVDA's latest leg higher came as CEO Jensen Huang on Tuesday unveiled several new deals, <a data-analytics-id="inline-link" href="https://nvidianews.nvidia.com/news/nvidia-nokia-ai-telecommunications" target="_blank"><u>including</u></a> a $1 billion stake in networking equipment firm <strong>Nokia</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NOK" target="_blank">NOK</a>).</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>"NVDA's approach to scaling up, scaling out, and scaling across will continue to improve the economics of future data centers," says CFRA Research analyst <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/angelo-zino-1953a110/" target="_blank"><u>Angelo Zino</u></a>. And the company's "new partnerships across markets like autos, robotics, communications, and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/four-ways-to-invest-in-quantum-computing"><u>quantum computing</u></a> … will help spur greater AI uses cases through the end of the decade."</p><p>Also working in Nvidia's favor was President Donald Trump, who told reporters he'll "be speaking" to Chinese President Xi Jinping about Nvidia's "super duper" Blackwell AI chip when the two leaders meet on Thursday. Blackwell is Nvidia's most advanced AI chip, and current export controls restrict the company from selling it to China.</p><p>NVDA's big gains spurred upside in several mega-cap chip stocks, including <strong>Advanced Micro Devices</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=AMD" target="_blank">AMD</a>, +2.5%), <strong>Broadcom</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=AVGO" target="_blank">AVGO</a>, +3.5%) and <strong>Micron Technology</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=MU" target="_blank">MU</a>, +2.1%).</p><h2 id="fiserv-has-its-worst-day-ever-after-abysmal-earnings-2">Fiserv has its worst day ever after "abysmal" earnings</h2><p>Elsewhere on Wall Street, <strong>Fiserv</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=FI" target="_blank">FI</a>) plunged 44% – its worst day ever – after the fintech and payments firm reported third-quarter earnings of $2.04 per share on revenue of $4.92 billion. This fell well short of analysts' estimates for earnings of $2.64 per share on $5.35 billion in sales.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"1bb45250-2795-4b13-b2e4-72370005617c","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:FI","realType":"embed"}</script></div><p>The company also cut its full-year guidance due to what CEO Mike Lyons says is "slowing cyclical growth in Argentina" and an overreliance on short-term initiatives, which have impacted the company's ability to build long-term relationships with clients.</p><p>"As a result, we have made the decision to deprioritize these short-term revenue and expense initiatives, which, of course, has some near-term impact on our growth and profitability," Lyons said on Fiserv's earnings call.</p><p>Fiserv also announced <a data-analytics-id="inline-link" href="https://investors.fiserv.com/newsroom/detail/2871/fiserv-announces-updates-to-leadership-team-and-board-refreshment" target="_blank"><u>several leadership changes</u></a>, including a new chief financial officer. Additionally, it will <a data-analytics-id="inline-link" href="https://investors.fiserv.com/newsroom/detail/2872/fiserv-announces-transfer-of-stock-exchange-listing-to-nasdaq" target="_blank"><u>transfer its stock exchange listing</u></a> to the Nasdaq from the New York Stock Exchange and will change its ticker symbol to "FISV," effective ahead of the November 11 open.</p><p>"Investor sentiment was already very weak on FI before this morning's news," say BTIG analysts. And the "abysmal" results "will only make investor appetite more challenged."</p><h2 id="more-magnificent-7-earnings-roll-in-2">More Magnificent 7 earnings roll in</h2><p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/17494/next-week-earnings-calendar-stocks"><u>earnings calendar</u></a> heats up after the close, with <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-are-the-magnificent-7-stocks"><u>Magnificent 7 stocks</u></a> <strong>Alphabet </strong>(<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=GOOGL" target="_blank">GOOGL</a>) and <strong>Meta Platforms</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=META" target="_blank">META</a>) set to report. <strong>Microsoft</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=MSFT" target="_blank">MSFT</a>) will also unveil its quarterly results.</p><p>MSFT stock slipped 0.1% today – but maintained its $4 trillion market valuation – on news of an outage in the company's Azure and 365 services.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"8b546574-0d70-43a5-bee2-e8a287199cd5","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:MSFT","realType":"embed"}</script></div><p>Microsoft says it is working to resolve this issue and customers can check its <a data-analytics-id="inline-link" href="https://azure.status.microsoft/en-us/status" target="_blank"><u>Azure status page</u></a> for updates.</p><p>As for the tech giant's earnings report, <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/jay-woods-cmt-5972679" target="_blank"><u>Jay Woods</u></a>, chief market strategist at Freedom Capital Markets, says investors want to see how the company's AI investments are "being integrated into their product suite and what impact that will have on revenue."</p><h2 id="as-for-the-october-fed-meeting-2">As for the October Fed meeting</h2><p>Wednesday's biggest event was the October Fed meeting, where the central bank lowered the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-is-the-federal-funds-rate"><u>federal funds rate</u></a> by a quarter-percentage point, as expected. It also said it will end its quantitative tightening program on December 1.</p><p>"This concludes, for now, a more than three-year process of shrinking the Fed's balance sheet that began in June 2022," says <a data-analytics-id="inline-link" href="https://www.kiplinger.com/author/david-payne"><u>David Payne</u></a>, staff economist at The Kiplinger Letter. "The Fed will still have about $6.5 trillion in its portfolio, substantially above the $4.5 trillion it had 10 years ago, before the pandemic."</p><p>The main indexes held their gains in the immediate aftermath of the Federal Open Market Committee announcement, but swung lower after Fed Chair Jerome Powell suggested market participants shouldn't necessarily expect a December rate cut.</p><p>Powell "emphasized in his opening statement that the Fed faces a quandary now, with risks of both rising <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/inflation"><u>inflation</u></a> and rising unemployment," says Payne. "For now, the Fed believes the greater danger is to the labor market, which is why the Fed cut <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/interest-rates"><u>interest rates</u></a> today. But, 'going forward is a different thing,' suggesting the Fed could pass on cutting rates in December."</p><p>At the close, the blue-chip <strong>Dow Jones Industrial Average</strong> (-0.2% at 47,632) and the broader <strong>S&P 500</strong> (-0.3 point at 6,890) were in the red, while the <strong>Nasdaq Composite</strong> was up 0.6% at 23,958 – a new record closing high.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-market-overview.js" async>{"source":"marketOverview","id":"ebc268ae-5ca5-40d4-a4c8-fd2fcb86d61b","colorTheme":"light","dateRange":"12M","showChart":true,"locale":"en","largeChartUrl":"","isTransparent":false,"showSymbolLogo":true,"showFloatingTooltip":false,"width":"400","height":"550","plotLineColorGrowing":"rgba(41, 98, 255, 1)","plotLineColorFalling":"rgba(41, 98, 255, 1)","gridLineColor":"rgba(240, 243, 250, 0)","scaleFontColor":"rgba(19, 23, 34, 1)","belowLineFillColorGrowing":"rgba(41, 98, 255, 0.12)","belowLineFillColorFalling":"rgba(41, 98, 255, 0.12)","belowLineFillColorGrowingBottom":"rgba(41, 98, 255, 0)","belowLineFillColorFallingBottom":"rgba(41, 98, 255, 0)","symbolActiveColor":"rgba(41, 98, 255, 0.12)","tabs":[{"title":"Indices","originalTitle":"Indices","symbols":[{"d":"S&P 500 Index","s":"FOREXCOM:SPXUSD"},{"d":"Dow Jones Industrial Average Index","s":"FOREXCOM:DJI"},{"d":"Nasdaq Composite","s":"NASDAQ:IXIC"}]},{"title":"Futures","originalTitle":"Futures","symbols":[{"d":"S&P 500","s":"CME_MINI:ES1!"},{"d":"Euro","s":"CME:6E1!"},{"d":"Gold","s":"COMEX:GC1!"},{"d":"WTI Crude Oil","s":"NYMEX:CL1!"},{"d":"Gas","s":"NYMEX:NG1!"},{"d":"Corn","s":"CBOT:ZC1!"}]},{"title":"Bonds","originalTitle":"Bonds","symbols":[{"d":"T-Bond","s":"CBOT:ZB1!"},{"d":"Ultra T-Bond","s":"CBOT:UB1!"},{"d":"Euro Bund","s":"EUREX:FGBL1!"},{"d":"Euro BTP","s":"EUREX:FBTP1!"},{"d":"Euro BOBL","s":"EUREX:FGBM1!"}]},{"title":"Forex","originalTitle":"Forex","symbols":[{"d":"EUR to USD","s":"FX:EURUSD"},{"d":"GBP to USD","s":"FX:GBPUSD"},{"d":"USD to JPY","s":"FX:USDJPY"},{"d":"USD to CHF","s":"FX:USDCHF"},{"d":"AUD to USD","s":"FX:AUDUSD"},{"d":"USD to CAD","s":"FX:USDCAD"}]}],"realType":"embed"}</script></div><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/stocks/what-the-rich-know-about-investing-that-you-dont">What the Rich Know About Investing That You Don't</a></li><li><a href="https://www.kiplinger.com/investing/stocks/trgp-ttwo-bsx-why-experts-rate-these-stocks-at-strong-buy">Targa Resources, Take-Two Interactive, Boston Scientific: Why Experts Rate These Stocks at Strong Buy</a></li><li><a href="https://www.kiplinger.com/investing/stocks/best-stocks-to-buy-for-a-fed-rate-cut">Best Stocks to Buy for Fed Rate Cuts</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/dow-s-and-p-500-slip-on-december-rate-cut-worries-nvidia-boosts-nasdaq-stock-market-today</link> <description> <![CDATA[ Nvidia became the first company ever to boast a $5 trillion market cap, but it wasn't enough to lift the Dow and the S&P 500. ]]> </description> <guid isPermaLink="false">xe57c7YzZMiSief8JaLPjA</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/PnvZ84ayzrq6swK4RdL2dD-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 20:04:59 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <author><![CDATA[ karee.venema@futurenet.com (Karee Venema) ]]></author> <dc:creator><![CDATA[ Karee Venema ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PnvZ84ayzrq6swK4RdL2dD-1280-80.jpg"> <media:credit><![CDATA[Cesc Maymo/Getty Images]]></media:credit> <media:text><![CDATA[A logo sits illuminated at the NVIDIA booth in Mobile World Congress 2025 on March 6, 2025 in Barcelona, Spain]]></media:text> <media:title type="plain"><![CDATA[A logo sits illuminated at the NVIDIA booth in Mobile World Congress 2025 on March 6, 2025 in Barcelona, Spain]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/PnvZ84ayzrq6swK4RdL2dD-1280-80.jpg" /> </item> <item> <title><![CDATA[ Where You Choose to Stash $100k Now Comes with a Big Opportunity Cost ]]></title> <dc:content><![CDATA[ <p>The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/live/october-fed-meeting-live-updates-and-commentary-2025">Federal Reserve</a> issued a quarter-point rate cut at its October meeting, the group announced Wednesday. This is the second time this year the Fed has cut rates, thanks in part to poor job growth. The latest <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/jobs">jobs report</a> showed only 22,000 jobs added in August – updated payroll data might be delayed during the government shutdown.</p><p>As you know, when the Fed cuts rates, it does make some things more affordable, such as borrowing costs on credit cards and home loans. On the other side of the coin, savers could take a hit, as APYs on savings accounts will dip slightly. That puts us in a place where the decisions you make now could have real impacts on your future yields.</p><p>But the news isn't all bad for savers. If you have $100,000 you want to put into savings for plans like a down payment on a new home, I'll show you some smart money moves to make now.</p><h2 id="a-savings-approach-guaranteed-to-generate-results-2">A savings approach guaranteed to generate results</h2><p>If you're using the $100k to save for a specific goal in the future and don't want to put it into the stock market, a CD is going to be the best option for you. CDs have fixed interest rates. So, if you sign up for an account today and the Fed continues to cut rates, your rate doesn't change.</p><p>How much does this matter?</p><p>Say you open a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/best-5-year-cd-rates">five-year CD</a> right now with $100,000, earning 4.15%. For five years, you'll receive $22,545.22 in earned interest. But if you wait until the Fed cuts rates and the banks follow suit, your APY could drop to 3.90%. At that rate, you would earn $21,081.48, <strong>$1,463.74 less </strong>than if you'd acted now.</p><p>Therefore, if you have clear intentions with your $100k and don't mind locking it up for a bit to earn more cash, now is the time to strike.</p><p>You can shop for and compare CD options quickly using this Bankrate tool:</p><h2 id="is-long-term-or-short-term-cd-the-smarter-play-right-now-2">Is long-term or short-term CD the smarter play right now?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="BxRwVnJxQjr4DmaRodKvQM" name="GettyImages-2229200412" alt="a man contemplating a decision" src="https://cdn.mos.cms.futurecdn.net/BxRwVnJxQjr4DmaRodKvQM.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>This largely depends on what you're planning to do with the money. If you're storing a substantial sum for a specific reason, like buying a home in a few years, it makes sense to do a longer-term CD now while rates are still high.</p><p>But you need to make sure you don't need that money before the CD matures, because if you break it open before it matures, it would be expensive. Longer-term CDs come with steep fees for early withdrawal, where you could lose up to a year of interest earned, which, with the sum deposited, could equate to hundreds of dollars lost.</p><p>Another approach is to consider a short-term option. With it, you'll receive a high rate of return with quicker access to your cash. Then, if inflation continues to rise heading into next year, you'll have time to pivot to investments that could earn more.</p><p>And the best product for this approach, if you have around $100,000 to save, is a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/how-to-find-the-best-jumbo-cd-rates">jumbo CD. </a>Jumbo CDs work the same way as regular CDs, but the deposit requirements are much higher – usually from $10,000-$100,000.</p><p>With one, you can earn returns outpacing inflation and have access to your cash within six months to a year. Not bad for reaching short-term savings goals.</p><h2 id="when-will-my-savings-account-rates-drop-after-a-rate-cut-2">When will my savings account rates drop after a rate cut?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="rhGEewx45J74VBdPicgWRc" name="GettyImages-2201751344" alt="a man surprised reading a letter" src="https://cdn.mos.cms.futurecdn.net/rhGEewx45J74VBdPicgWRc.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>I've been reviewing and updating rates on CDs and high-yield savings accounts, and what I've found is that it varies depending on your financial institution. To illustrate, the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/top-earning-3-year-cds">best three-year CD rates</a> used to be close to 4.28% APY; now, you're lucky to find some around 4.00%.</p><p>Meanwhile, some banks haven't changed their rates at all. I have a high-yield savings account with SoFi, and rates haven't dipped yet. The same applies to the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/best-high-yield-savings-accounts">best high-yield savings accounts</a>.</p><p>One of our top choices, <a data-analytics-id="inline-link" href="https://www.bankrate.com/landing/kiplinger/best-high-yield-savings-options/?mf_ct_campaign=kiplinger-newtek-hysa-lp&product-name=Newtek+Bank&sub-id=kiplinger-us-4092330229048083774" target="_blank" rel="nofollow">Newtek Bank</a>, still offers gains of 4.35%. On the CD side, you can get a six-month no-penalty CD through <a data-analytics-id="inline-link" href="https://www.climatefirstbank.com/cd" target="_blank" rel="nofollow">Climate First Bank</a> for 4.34%. But you'll want to act quickly, as rates can change overnight.</p><p>Overall, the rate environment is shifting for savers. With the Fed possibly cutting rates again before the end of 2025, now is the time to take advantage when rates are higher.</p><p>For savers with substantial deposits, making the right move now could help you save thousands more. This can help you reach your savings goals faster, without the risk of losing money.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/how-to-find-the-best-jumbo-cd-rates">How to Find the Best Jumbo CD Rates</a></li><li><a href="https://www.kiplinger.com/personal-finance/savings-accounts/what-to-do-with-150k-not-in-the-market">I Have $150,000 That I Don’t Need Anytime Soon, but I Don’t Want To Put It in the Market. What Should I Do?</a></li><li><a href="https://www.kiplinger.com/personal-finance/savings-accounts/do-long-term-cds-make-sense-amid-rising-inflation">You'll Kick Yourself in the Winter if You Don't Make This Savings Move Now</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/savings-accounts/where-to-stash-100k-now-before-you-could-lose-thousands</link> <description> <![CDATA[ The Fed recently cut rates. Here's where to maximize your savings while rates remain higher. ]]> </description> <guid isPermaLink="false">aayuzJWXN3jGezU8h498rN</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/wPAsmQWoJzp6jskiLuEgW5-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 19:51:50 +0000</pubDate> <category><![CDATA[Savings Accounts]]></category> <category><![CDATA[How To Save Money]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Banking]]></category> <category><![CDATA[Savings]]></category> <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wPAsmQWoJzp6jskiLuEgW5-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[a picture of a happy couple saving money]]></media:text> <media:title type="plain"><![CDATA[a picture of a happy couple saving money]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/wPAsmQWoJzp6jskiLuEgW5-1280-80.jpg" /> </item> <item> <title><![CDATA[ The Social Security Earnings Test: Know This Rule Before Working in Retirement ]]></title> <dc:content><![CDATA[ <p>If you plan to work while collecting Social Security benefits before reaching your Full Retirement Age (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/603439/whats-my-social-security-full-retirement-age">FRA</a>), you need to understand the <a data-analytics-id="inline-link" href="https://www.ssa.gov/OACT/COLA/rtea.html" target="_blank">Social Security Earnings Test</a> (officially called the <a data-analytics-id="inline-link" href="https://www.ssa.gov/policy/docs/program-explainers/retirement-earnings-test.html" target="_blank">Retirement Earnings Test</a>).</p><p>This rule allows the Social Security Administration (<a data-analytics-id="inline-link" href="https://www.ssa.gov/">SSA</a>) to temporarily withhold a portion of your benefits if your earnings exceed a set annual limit. This surprise deduction often catches retirees off guard, significantly straining their budget and savings plans.</p><h2 id="who-does-the-earnings-test-affect-2">Who does the earnings test affect?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="9Xy4j4L6wnuBhi7LmfU9So" name="GettyImages-1342418672" alt="Portrait of a senior woman standing in office. Female entrepreneur with short hair and business casuals looking at camera." src="https://cdn.mos.cms.futurecdn.net/9Xy4j4L6wnuBhi7LmfU9So.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The earnings test applies to beneficiaries who are working and collecting Social Security retirement or survivor benefits and have not yet reached their Full Retirement Age (FRA). Once you reach your FRA, the test no longer applies, and you can earn any amount of money without having your Social Security benefits reduced.</p><p><strong>If you are under your FRA:</strong> Your benefits are subject to the test.</p><p><strong>In the year you reach FRA:</strong> The earnings limit disappears. You can work and earn any amount of income without affecting your Social Security benefits.</p><p>The SSA uses two different earnings limits for those working and collecting benefits, depending on how close you are to your FRA. The limits typically increase each year and are announced by the SSA in conjunction with the COLA and <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/social-security-tax-wage-base-increase">wage tax cap</a> in mid-October.</p><h2 id="the-two-earnings-limits-for-2025-and-2026-2">The two earnings limits for 2025 and 2026</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="EMx6pbRCy388PuwTmRvJHX" name="GettyImages-2232107483" alt="number blocks 2025 changing to 2026" src="https://cdn.mos.cms.futurecdn.net/EMx6pbRCy388PuwTmRvJHX.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The specific dollar limits and the withholding rate depend on how close you are to your FRA.</p><div ><table><tbody><tr><td class="firstcol " ><p>Age relative to FRA</p></td><td ><p>2025 monthly and annual earnings limit</p></td><td ><p>2026 monthly and annual earnings limit</p></td><td ><p>Withholding rate</p></td></tr><tr><td class="firstcol " ><p><strong>Under FRA</strong> (for the entire year)</p></td><td ><p>$1,950 per month, $23,400 annually</p></td><td ><p>$2,040 per month, $24,480 annually</p></td><td ><p>$1 is withheld for every $2 earned above the limit.</p></td></tr><tr><td class="firstcol " ><p><strong>Year you reach FRA</strong> (for the months before your birthday)</p></td><td ><p>$5,180 per month, $62,160 annually</p></td><td ><p>$5,430 per month, $65,160 annually</p></td><td ><p>$1 is withheld for every $3 earned above the limit.</p></td></tr></tbody></table></div><p><strong>An example of how the withholding works </strong></p><p>Assume your Full Retirement Age is 67, and you are 64 in 2025 (under FRA all year).</p><p><u>Annual limit in 2025</u>: $23,400</p><p><u>Your earnings</u>: $30,000</p><p><u>Excess earnings</u><strong>:</strong> $30,000 (earnings)−$23,400 (annual limit) =<strong>$6,600</strong></p><p><u>Benefits withheld</u> (at the $1 for $2 rate): $6,600/2=<strong>$3,300</strong></p><p>The SSA would temporarily withhold a total of $3,300 from your scheduled benefits for the year. This is typically done by withholding entire monthly checks until the total reduction is met.</p><p>Remember, not only will the reduction go away when you reach FRA, but you will also recoup any benefits lost to the reduction when you reach your FRA. More about that below.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="the-crucial-recalculation-withheld-money-is-not-lost-2">The crucial recalculation: withheld money is not lost</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2000px;"><p class="vanilla-image-block" style="padding-top:75.00%;"><img id="DjE5UVavivoyLNUadHgT4m" name="GettyImages-1484183442" alt="The blue path through the yellow maze leads to the dollar sign. 3d illustration" src="https://cdn.mos.cms.futurecdn.net/DjE5UVavivoyLNUadHgT4m.jpg" mos="" align="middle" fullscreen="" width="2000" height="1500" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The most misunderstood aspect of the Earnings Test is whether the withheld money is lost forever. The good news is that it is only temporarily withheld. Once you reach your FRA, the SSA performs a recalculation, increasing your future monthly benefit to credit you for all the months of benefits that were previously withheld. Essentially, the Earnings Test trades a temporary benefit reduction now for a permanent increase in your monthly benefit later.</p><p>The net result is that you receive the total value of your retirement benefits over your remaining lifespan. While it may not be preferable to have a portion of your Social Security benefits withheld until after you reach your FRA, this happens in the context of you being currently employed. As they say, forewarned is forearmed — you can plan for and around that reduced benefit until you hit your FRA.</p><h2 id="what-counts-as-earnings-2">What counts as "earnings"?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="gpfsCsXnu8E6ZwsXd9Qmae" name="GettyImages-1348837033" alt="American banknotes on a white background." src="https://cdn.mos.cms.futurecdn.net/gpfsCsXnu8E6ZwsXd9Qmae.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The Earnings Test is based solely on <strong>earned income</strong>.</p><div ><table><caption>Income that counts toward the Earnings Test</caption><thead><tr><th class="firstcol " ><p>Type of Income </p></th><th ></th><th ></th></tr></thead><tbody><tr><td class="firstcol " ><p>Wages/salary</p></td><td ><p>Gross pay, including bonuses, commissions, and vacation pay. </p></td><td ><p>If you are a W-2 employee, income counts when it’s earned, not when it’s paid.</p></td></tr><tr><td class="firstcol " ><p>Net earnings from self-employment</p></td><td ><p>The net profit you make from a business or self-employment after deducting allowable business expenses.</p></td><td ><p>If you’re self-employed, income counts when you receive it — not when you earn it. This is not the case if it’s paid in a year after you become entitled to Social Security and earned before you became entitled.</p></td></tr></tbody></table></div><div ><table><caption>Income that does NOT count</caption><thead><tr><th class="firstcol " ><p>Type of Income </p></th><th ></th><th ></th></tr></thead><tbody><tr><td class="firstcol " ><p>Retirement accounts</p></td><td ><p>Withdrawals from 401(k)s, IRAs (traditional or Roth), 403(b)s, Keogh plans, etc.</p></td><td ></td></tr><tr><td class="firstcol " ><p>Pensions/annuities</p></td><td ><p>Payments from private, government, or military retirement pensions or annuities.</p></td><td ></td></tr><tr><td class="firstcol " ><p>Investment income</p></td><td ><p>Interest, dividends, rental income, capital gains, or royalties (under certain conditions).</p></td><td ></td></tr><tr><td class="firstcol " ><p>Other benefits</p></td><td ><p>Veterans' benefits, other government benefits</p></td><td ></td></tr></tbody></table></div><h2 id="the-special-first-year-rule-2">The special first-year rule</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2121px;"><p class="vanilla-image-block" style="padding-top:66.67%;"><img id="i5huoNzQ9v6x6xM8qZdRzN" name="GettyImages-2232008173" alt="A mature Hispanic businessman is performing a victory dance with a smartphone in hand in a modern office featuring bright natural lighting and contemporary furnishings. Colleagues in the background are working on laptops, adding to the vibrant workplace atmosphere." src="https://cdn.mos.cms.futurecdn.net/i5huoNzQ9v6x6xM8qZdRzN.jpg" mos="" align="middle" fullscreen="" width="2121" height="1414" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Getty Images)</span></figcaption></figure><p>The SSA has a <a data-analytics-id="inline-link" href="https://www.ssa.gov/benefits/retirement/planner/rule.html" target="_blank">special earnings rule</a> for the first year you claim benefits. This helps those who retire mid-year after having already earned well over the annual limit. Under this rule, you can get a full Social Security check for any whole month you’re retired, regardless of your yearly earnings.</p><p>In your first year of claiming, the SSA can apply a monthly test. If you do not earn more than a specific monthly limit, $1,950 in 2025, for those under FRA all year, the SSA considers you "retired" for that month and will pay you a full benefit check, regardless of your total annual earnings from the months before you filed. This limit <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/social-security-cola-2026">will increase by $90 to $2,040 in 2026</a>.</p><p>If you reach FRA in 2025, you are considered retired in any month in which your earnings are $5,180 or less and you did not perform "substantial services in self-employment." In 2026, that number goes up to $5,430.</p><p>What the SSA considers "substantial services in self-employment": devoting more than 45 hours a month to the business, or between 15 and 45 hours to a business in a <a data-analytics-id="inline-link" href="https://www.ssa.gov/OP_Home/rulings/oasi/29/SSR72-21-oasi-29.html" target="_blank">highly skilled occupation,</a> or managing a sizable business. However, if you work less than 15 hours a month, you’re considered retired.</p><h2 id="working-may-defer-some-of-your-benefits-but-will-not-reduce-your-benefits-2">Working may defer some of your benefits, but will not reduce your benefits</h2><p>If you are worried about losing some of your benefits because of the earnings test if you work after claiming Social Security, I hope you are relieved to know it's just a matter of time before you collect those 'lost' benefits. When you hit your FRA, your monthly benefit will be recalculated and raised to reflect all of the money temporarily withheld under the earnings test.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/social-security/social-security-cola-2026">2026 Social Security COLA is 2.8%: What You Need to Know</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/changes-coming-to-social-security-in-2026">Six Changes Coming to Social Security in 2026</a></li><li><a href="https://www.kiplinger.com/taxes/social-security-tax-wage-base-increase">Social Security Tax Limit Rises Again: Who Pays More in 2026?</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/social-security/social-security-earnings-test-explainer</link> <description> <![CDATA[ When you work and collect Social Security benefits before your FRA, you are subject to the Retirement Earning Test that could result in a temporary reduction of your benefits. ]]> </description> <guid isPermaLink="false">m8hdzVTXrt2Zgk5koh4RyZ</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/7nhMWtpv9chmkfkhL6SXqM-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 16:59:58 +0000</pubDate> <category><![CDATA[Social Security]]></category> <category><![CDATA[salaries]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Careers]]></category> <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7nhMWtpv9chmkfkhL6SXqM-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Age diverse team in a business meeting. Colleagues and manager in various age groups having casual discussion during meeting, workshop in office. Inclusivity and diversity in terms of age]]></media:text> <media:title type="plain"><![CDATA[Age diverse team in a business meeting. Colleagues and manager in various age groups having casual discussion during meeting, workshop in office. Inclusivity and diversity in terms of age]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/7nhMWtpv9chmkfkhL6SXqM-1280-80.jpg" /> </item> <item> <title><![CDATA[ I'm a Government Employee and Need to Get By Until the Shutdown Ends. What Can I Do? ]]></title> <dc:content><![CDATA[ <p><strong>Question: </strong>I'm a government employee without a paycheck and need to get by until the shutdown ends. What can I do?</p><p><strong>Answer:</strong> The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/what-happens-to-your-money-in-a-government-shutdown">government shutdown</a> has now dragged on for almost a full month, and many federal workers are missing their first full paycheck this week. Between a missed paycheck and monthly bills rapidly coming due, this is an understandably stressful time – especially for those who don't have much buffer to get by until the government reopens.</p><p>But there's no need to panic, even if you've already cut back on discretionary spending and are making a dollar stretch at the grocery store. With some creativity and flexibility, there are plenty of options available to help bridge the gap until you start getting paid again.</p><p>Whether you're still working without pay or you've been furloughed, here's what the experts recommend doing to keep the lights on and food in your pantry.</p><h2 id="check-community-and-state-assistance-programs-including-unemployment-2">Check community and state assistance programs – including unemployment</h2><p>In times like these, getting help is better than going deeper into debt or letting overdue bills pile up.</p><p>Some states have expanded their eligibility criteria in light of the ongoing shutdown, so you might qualify for unemployment. These benefits may not kick in right away, but if your state offers a program, get the ball rolling on that application now.</p><p>You can also find help closer to home.</p><p>"Look into community assistance programs, which can often help provide a financial buffer," advised <a data-analytics-id="inline-link" href="https://attorney-newyork.com/" target="_blank">Leslie H. Tayne</a>, finance and debt expert and founder of Tayne Law Group. Search online for nearby food banks where you can get groceries, as well as other local charities that might be able to provide help with essentials.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_7xws2pdR_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="7xws2pdR"> <div id="botr_7xws2pdR_a7GJFMMh_div"></div> </div> </div></div><p>Tayne added, "Reaching out to family and friends who could help you financially can be an option worth exploring."</p><p>Asking for help is nothing to be embarrassed about. But, if you're feeling self-conscious about relying on family or assistance programs, commit to volunteering at your local food bank or donating to the charities that kept you afloat when your paychecks do kick back in. Remember that getting the help you need right now is the first step to getting yourself into a position where you can pay it forward later.</p><h2 id="defer-your-mortgage-rent-or-other-big-bills-2">Defer your mortgage, rent or other big bills</h2><p>If you know you won't have the cash to cover bigger bills like <a data-analytics-id="inline-link" href="https://www.kiplinger.com/real-estate/mortgages/30-year-mortgage-rates">mortgage</a> or rent after cutting out all the nonessentials from your budget, don't wait for those bills to come due. Call now to ask about deferral or forbearance options.</p><p>You can even call up your utilities to see what hardship assistance programs they might offer. You may be able to defer payments or negotiate a lower-cost payment plan before you miss a bill.</p><p>A lot of lenders, service providers and other companies have hardship programs available precisely for situations like this. Make a list of all your bills and other monthly payments. Then work your way down the list, calling each one. You'll likely need to give details about your financial situation. It's also a good idea to follow up with an email to make sure you have a paper trail confirming any arrangements you were able to make.</p><p>This tactic should be used after making what cuts you can elsewhere, though. Deferred payments can often mean paying more in the long run as interest continues accruing during the deferral period. That will get tacked onto your balance.</p><p>Still, if you don't have savings and you're choosing between paying your mortgage or putting food on the table, deferring your mortgage is worth it. Just keep that extra interest in mind and don't use this tool any longer than you have to.</p><h2 id="get-a-credit-card-with-a-0-introductory-rate-to-cover-essentials-2">Get a credit card with a 0% introductory rate to cover essentials</h2><p>While you can defer some expenses and cut out others entirely, things like gas and groceries are trickier. One option to consider is signing up for a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/credit-cards/best-rewards-credit-cards">credit card</a> with a 0% introductory rate (and no annual fee).</p><p>This will buy you around 12 to 18 months of interest-free credit that you can use to feed your family and fill up your tank.</p><p>Just make sure you only use this card for absolute necessities and don't spend more than you would in a normal month. You need to make sure you'll be able to pay off the balance in full before the introductory rate expires. Otherwise, you could end up paying 20% or more in interest on that balance.</p><h2 id="get-a-temporary-side-job-to-bring-in-some-cash-2">Get a temporary side job to bring in some cash</h2><p>If you need to find a way to get cash flow coming in without your usual paycheck, gig work is a flexible option. Platforms like Uber, DoorDash or Instacart are good places to start.</p><p>It's easy to sign up and you'll have the flexibility to work around your regular job if you need to. Side gigs like these probably won't be able to replace your full income. But, you can log enough hours on these platforms to fill the gaps in your savings or help you avoid more costly measures like deferring your mortgage and other debt payments.</p><h2 id="temporarily-drop-your-car-insurance-to-minimum-coverage-2">Temporarily drop your car insurance to minimum coverage</h2><p>If your insurer makes it easy to adjust your coverage, you can temporarily <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/car-insurance/dropping-full-coverage-on-older-car">drop your car insurance to minimum coverage</a>. This usually means giving up collision and comprehensive coverage, which leaves you on the hook for damages in an at-fault accident. So, it's not a risk to take lightly.</p><p>But, in a pinch, it can shave about $1,800 per year (or $150 per month) without resorting to giving up your car entirely. That cash can be redirected to help with groceries or utility bills while you're waiting on your paycheck.</p><h2 id="you-can-get-through-this-2">You can get through this</h2><p>Financial stress is one of the toughest kinds of stress to deal with, especially in a situation like this where there's no end in sight and so much feels out of your control. You might need to make some temporary sacrifices in your lifestyle or ask for help when you're used to being self-reliant and independent.</p><p>But there is a way through, and this will end eventually, even if we're not sure exactly when. This is a crisis we're facing together as a nation, and people are willing to help — just as you help serve the nation.</p><div class="product star-deal"><p>Get more budgeting tips and other personal finance insights straight to your inbox. Subscribe to our daily newsletter, <a href="https://www.kiplinger.com/business/get-a-step-ahead" data-dimension112="6f4058e1-38a6-47f1-a58f-a7ad0852d6cd" data-action="Star Deal Block" data-label="A Step Ahead" data-dimension48="A Step Ahead" data-dimension25=""><strong>A Step Ahead</strong></a>.</p></div><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/politics/whats-running-during-the-government-shutdown">What Services Are Open During the Government Shutdown?</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/what-the-government-shutdown-means-to-retirees">What the Government Shutdown Means to Retirees</a></li><li><a href="https://www.kiplinger.com/personal-finance/travel/government-shutdown-disrupt-travel-plans">How the Government Shutdown Could Disrupt Your Travel Plans</a></li><li><a href="https://www.kiplinger.com/personal-finance/travel/what-happens-national-parks-during-a-government-shutdown">What Happens to National Parks During a Government Shutdown?</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/personal-finance/spending/im-a-government-employee-and-need-to-get-by-until-the-shutdown-ends-what-can-i-do</link> <description> <![CDATA[ The second-longest shutdown in history is leaving many federal workers with bills due and no paycheck to cover them. Here's what you can do to get by. ]]> </description> <guid isPermaLink="false">omauBsxemFx9yUyMny6gud</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/eoBnnV2RBWhzj9vmqh36oh-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 11:31:00 +0000</pubDate> <category><![CDATA[Spending]]></category> <category><![CDATA[Politics]]></category> <category><![CDATA[Personal Finance]]></category> <dc:creator><![CDATA[ Rachael Green ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/eoBnnV2RBWhzj9vmqh36oh-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[The Capitol building stands behind caution tape at a construction site in Washington, D.C., U.S. Photographer: Andrew Harrer/Bloomberg]]></media:text> <media:title type="plain"><![CDATA[The Capitol building stands behind caution tape at a construction site in Washington, D.C., U.S. Photographer: Andrew Harrer/Bloomberg]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/eoBnnV2RBWhzj9vmqh36oh-1280-80.jpg" /> </item> <item> <title><![CDATA[ Grant Cardone Tells Us the Biggest Retirement Mistake You Can Make ]]></title> <dc:content><![CDATA[ <p><em>Editor's note: This article is part of an ongoing series in which we ask influential personal finance figures to share their opinion on the biggest retirement mistake you can make. Other articles feature </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/suze-orman-tells-us-the-biggest-retirement-mistake-you-can-make"><em>Suze Orman</em></a><em> and </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/dave-ramsey-tells-us-the-biggest-retirement-mistake-you-can-make"><em>Dave Ramsey</em></a><em>.</em></p><p>"Seventy is the new 50" doesn’t only pertain to the health and minds of people around the globe. It should apply to their work ethic, too.</p><p>Although the average <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/checklist-for-retirement-planning">retirement </a>age in America is 62, billionaire entrepreneur and real estate investor Grant Cardone urges people to work beyond it. He thinks "acting old, being tired and retiring too early" is the biggest mistake people make.</p><p>"The greatest generation of workers in history, the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/baby-boomers-vs-gen-x-how-they-approach-retirement-differently">baby boomer</a>, needs to learn new things and get back to working again," Cardone told Kiplinger in an interview. "You will live longer than you imagined with nothing to do."</p><p>While the average life expectancy is 78.4 in America, people are living well past that. There are about 100,000 <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning-for-living-a-century">centenarians</a> in the U.S. today, and that is <a data-analytics-id="inline-link" href="https://www.pewresearch.org/short-reads/2024/01/09/us-centenarian-population-is-projected-to-quadruple-over-the-next-30-years/" target="_blank">expected to quadruple</a> over the next 30 years. That means there's the potential for more than two decades out of the workforce, even if you retire late.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="will-social-security-leave-you-little-choice-2">Will Social Security leave you little choice? </h2><p>Cardone knows a lot about cultivating a strong work ethic. After all, he has been espousing the virtues of working hard for years.</p><p>The motivational speaker and author is known for his aggressive "10X" philosophy, which calls for you to set goals that are ten times harder than what you think you can accomplish. Cardone also owns a substantial real estate portfolio through his real estate company, Cardone Capital, and advocates for passive income in retirement.</p><p>He is a big believer that you are never too old to work — and plans to work indefinitely. The way Cardone sees it, with the current state of <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/601708/social-security-basics-12-things-you-must-know-about-claiming-and">Social Security</a>, you may not have much of a choice anyway.</p><p>"The government is going to push retirement ages further out because we all know Social Security is broke," said Cardone, referring to the trust fund that pays Social Security retiree benefits, which is <a data-analytics-id="inline-link" href="https://www.ssa.gov/OACT/TR/2025/" target="_blank"><u>projected to run out of money</u></a> in the first quarter of 2033. At that point, if nothing is done, the fund will only cover 77% of scheduled benefits.</p><p>With the prospect of Social Security facing insolvency in the coming years, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/raising-the-social-security-retirement-age">raising the Social Security age</a> to 69 is one proposal that makes the rounds from time to time. After all, in the early 1980s, the age was gradually increased from 65 to 67, so it's not a stretch to raise it again.</p><h2 id="risk-averse-a-big-mistake-in-cardone-s-view-2">Risk-averse? A big mistake in Cardone’s view </h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2500px;"><p class="vanilla-image-block" style="padding-top:66.68%;"><img id="P8g795shT4mzMTznxnx3K5" name="Grant Cardone" alt="Grant Cardone on stage" src="https://cdn.mos.cms.futurecdn.net/P8g795shT4mzMTznxnx3K5.jpg" mos="" align="middle" fullscreen="" width="2500" height="1667" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Grant Cardone Enterprises )</span></figcaption></figure><p>Is the idea of working in your older years not for you? Another mistake you may be making that is on Cardone’s list: being too conservative with your retirement investments.</p><p>Sure, without a paycheck coming in, your money is finite, so it makes sense you want to protect it, but Cardone says the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/the-60-40-portfolio-rule-of-investing">60/40 rule</a>, which calls for having 60% of your investments in stocks and 40% in bonds, isn’t risky enough.</p><p>Critics of the 60/40 rule contend it doesn’t account for longevity or inflation, and lacks the diversification that investors get from adding alternative assets such as real estate, private equities, commodities, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/401ks/401ks-trump-moves-to-open-the-door-to-private-assets-cryptocurrency">cryptocurrencies, or other asset classes</a>.</p><p>"Disregard the popular 60/40 model and get more aggressive with your investments," says Cardone. "From the age of 55 to 75, you should seek to create generational wealth with 20 years of cash flow from 75 to 95 without ever using the original capital."</p><p>The idea, says Cardone, is to structure your investments so that you live off the income they produce without touching what you are leaving to heirs.</p><h2 id="don-t-forget-long-term-care-2">Don't forget long-term care</h2><p>It's also important to plan for that worst-case scenario in retirement — being forced to move into assisted living. Cardone says most retirees aren’t planning for it, even though it can cost <a data-analytics-id="inline-link" href="https://www.carescout.com/cost-of-care" target="_blank"><u>$6,000</u></a> to <a data-analytics-id="inline-link" href="https://www.carescout.com/cost-of-care" target="_blank"><u>$15,000</u></a> a month, depending on the level of care and the region you live in.</p><p>Don’t think you will need it? According to the Administration for Aging, someone <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/turning-65-key-things-to-know">turning 65</a> today has a nearly <a data-analytics-id="inline-link" href="https://acl.gov/ltc/basic-needs/how-much-care-will-you-need#:~:text=Someone%20turning%20age%2065%20today,for%20longer%20than%205%20years" target="_blank"><u>70% chance</u></a> of requiring some type of <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/long-term-care-insurance/things-you-should-know-about-long-term-care-insurance">long-term care</a> services and support in their lifetime, he said.</p><p>When it comes to planning for long-term care, you have options. Learn more with our <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/long-term-care/how-to-pay-for-long-term-care"><u>guide to paying for long-term care</u></a>.</p><h2 id="never-stop-learning-2">Never stop learning </h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2500px;"><p class="vanilla-image-block" style="padding-top:56.24%;"><img id="R8rpdJvoFhguNqTSbxxfAB" name="4A5A3987-Edit" alt="Grant Cardone at an airport" src="https://cdn.mos.cms.futurecdn.net/R8rpdJvoFhguNqTSbxxfAB.jpg" mos="" align="middle" fullscreen="" width="2500" height="1406" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: @GrantCardone)</span></figcaption></figure><p>At the end of the day, Cardone says it's important for retirees to keep on learning. So much so that you should dedicate time each day to the pursuit of higher learning.</p><p>"Quit acting old and being tired and get back to learning new skills," said Cardone. "Elderly care, fundraising, AI, crypto and social media are all skill sets that can benefit you."</p><h3 class="article-body__section" id="section-related-content"><span>Related Content </span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/suze-orman-tells-us-the-biggest-retirement-mistake-you-can-make">Suze Orman Tells Us the Biggest Retirement Mistake You Can Make</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/dave-ramsey-tells-us-the-biggest-retirement-mistake-you-can-make">Dave Ramsey Tells Us the Biggest Retirement Mistake You Can Make</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/warren-buffett-quotes-every-retiree-should-live-by">Six Warren Buffett Quotes Every Retiree Should Live By</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/happy-retirement/grant-cardone-tells-us-the-biggest-retirement-mistake-you-can-make</link> <description> <![CDATA[ The entrepreneur, real estate investor and motivational speaker tells us why people should never stop working. ]]> </description> <guid isPermaLink="false">Wd6QwfHUERJijL228C9coi</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/Y7q35j2UgcuYTGmNxrpkDc-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 10:30:00 +0000</pubDate> <category><![CDATA[Happy Retirement]]></category> <category><![CDATA[Retirement]]></category> <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author> <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Y7q35j2UgcuYTGmNxrpkDc-1280-80.jpg"> <media:credit><![CDATA[ @raykatchatorian]]></media:credit> <media:text><![CDATA[Grant Cardone]]></media:text> <media:title type="plain"><![CDATA[Grant Cardone]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Y7q35j2UgcuYTGmNxrpkDc-1280-80.jpg" /> </item> <item> <title><![CDATA[ Five Estate Planning Pitfalls and How to Avoid Them ]]></title> <dc:content><![CDATA[ <p>The one thing Ann J. can say for certain about her mother’s estate plan is that it’s a work in progress. And her mother is 92. “Just recently, we found out that she has a new plan for the properties we thought were earmarked for me and for my brother,” says Ann, 65, a teacher in Northampton, Massachusetts, who is not using her last name to protect her privacy.</p><p>Because Ann’s mother has managed her own finances since a rough divorce many years ago, Ann assumed her mother would have long settled the plans for her estate. But, Ann admits, she never probed too deeply, because her mother rarely wanted to discuss any details. “Now we’re realizing that there are a lot of gaps in her plan,” Ann says, with some frustration. “I think we need to step in. But to be honest, she’s still in control and doesn’t want our input at all.”</p><p>The road to a fully executed <a data-analytics-id="inline-link" href="https://www.kiplinger.com/personal-finance/the-basics-of-estate-planning">estate plan</a> is rarely smooth, despite the best intentions of all involved, says <a data-analytics-id="inline-link" href="https://www.shailabuckleylaw.com/" target="_blank">Shaila Buckley</a>, an estate planning attorney in Boise, Idaho. “You’re dealing with the intersection of death and money, and people are not always their best selves,” she says.</p><p>Nonetheless, many estate planning experts say that some of the thorniest problems are among the most common. With professional support, many of these issues — from administrative hiccups to disputes over what’s fair (and for whom) — it’s possible to shield your own plan from some of the more preventable snafus.</p><p>A pre-warning: Owing to the potential for conflict, addressing these issues during the holidays may not be ideal. Emotions run high this time of year, and there is great potential for conflicts. Use the holidays to reflect on some of these tasks. With a bit of foresight and professional support, many estate planning hurdles can be ameliorated — or avoided altogether.</p><h2 id="1-leaving-your-plan-unfinished-2">1. Leaving your plan unfinished</h2><p><strong>The challenge</strong>. At the top of the list is the very issue Ann J. and her brother are contending with: Their 92-year-old mother’s reluctance to finalize her plan. It's a well-known fact that few people have a will or estate plan: only 24%, according to <a data-analytics-id="inline-link" href="https://www.caring.com/resources/wills-survey" target="_blank">Caring.com’s 2025 Wills and Estate Planning</a> study, a substantial decrease from the 33% in 2022 who said they did have a will. Just as concerning are the numbers of families with incomplete plans: Unsigned paperwork, assets that haven’t been transferred to an existing trust, or a tough decision left hanging can hold up an estate plan for years.</p><p>There’s a technical term for this, says Buckley: “We call it waiting too long, and it can be disastrous.”</p><p>Many people know that dying “intestate” (without a valid will) means that your assets would be distributed by law, not according to your wishes. What many people don’t realize is that if there are existing documents — say, a trust or will set up many years ago —“those become the controlling documents, and your assets are distributed accordingly,” says Buckley.</p><p>Worse, Buckley adds, is if families wait to resolve a delay, and the individual in charge of the plan becomes ill, or an attorney deems them incapable of making legal decisions. In that case, the last valid documents also prevail, whether the person wanted it that way or not.</p><p><strong>What to do</strong>. The first step, says <a data-analytics-id="inline-link" href="https://www.oakswealthmanagement.com/jonathan-kolmetz-ms-mba-cfp-r" target="_blank">Jonathan Kolmetz</a>, a certified financial planner and a licensed therapist who practices financial therapy in Houston, is to <em>not</em> address the obvious problem: i.e., a distrust of lawyers or a pattern of putting things off. For many in the Baby Boom generation and older, the taboo about discussing money — with adult children or sometimes even between two members of a couple — can be a powerful undercurrent. “Often, a couple has a certain communication style that has functioned for them in certain ways, but now it’s holding up the process,” Kolmetz says.</p><p>The quieter person in a couple may have preferences they’re not expressing. Or, as in the case of Ann J.’s mother, there may be unspoken fears — left over from her divorce or her own family’s history — that she’s trying to manage by keeping her kids in the dark. The key is taking the time, perhaps getting professional support, to foster a more empathetic conversation. “When we can slow down and actually listen to each other, that creates more awareness,” says Kolmetz. “It can lessen conflict, so we can empathize — and that really does help people move forward.”</p><h2 id="2-keeping-your-estate-plan-to-yourself-2">2. Keeping your estate plan to yourself</h2><p><strong>The challenge</strong>. How much of your estate plan should you share with your family? And for those with older parents: How much should you expect them to share with you? The issue of transparency is a big hurdle for many families, because there are arguments in favor of saying more as well as saying nothing at all.</p><p><strong>What to do</strong>. One advantage of being more transparent is that it allows heirs to raise questions directly with the older generation. “I see so many fights between siblings about what their mom and dad intended,” says <a data-analytics-id="inline-link" href="https://thielfirm.com/advisors" target="_blank">Lucas Spaeth</a>, an attorney in Edina, Minnesota. “I often wish they’d been able to speak up while their parents were still alive.”</p><p>Wouldn’t sharing an estate plan with family members open the individual or couple to potential arguments and debates? Buckley agrees that there could be hurt feelings or conflicts. “But if there’s an unequal distribution or a disinheritance, at least people know what’s coming,” she points out.</p><p>That may create additional friction, but it also allows for conversations about what’s equitable (more on that below) and/or desirable. Kolmetz recounts a story about a family where a set of antique china wasn’t in dispute (one sibling wanted it, the other didn’t). But the cost of storing the delicate items became a point of contention — and could have easily been sorted out before the parents passed. “I’m in favor of being transparent when it helps resolve important questions,” he says.</p><p>That said, warns Spaeth, “You don’t necessarily want your estate plan to become a family affair.” In some cases, it may be better to keep your plan private, especially if you think your loved one won’t be able to resist the desire to give their opinion or push their own agenda (see the TV series <em>Succession</em> for reference).</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="failing-to-let-others-know-what-you-consider-fair-2">Failing to let others know what you consider 'fair'</h2><p><strong>The challenge</strong>. It is a truth universally acknowledged, or close to it, that parents rarely distribute their assets evenly among their children while they’re alive. One child may have gotten help with debt, a down payment on a home, graduate school or support for medical or mental health issues that another sibling didn’t. The scenarios are endless, and the shadow of “this one got more” can quickly derail a couple’s estate plan, says <a data-analytics-id="inline-link" href="https://centerpointadvisors.net/ashley-r-agnew/" target="_blank">Ashley Agnew</a>, a senior wealth adviser and certified financial therapist in Needham, Massachusetts.</p><p><strong>What to do</strong>. The key, says Agnew, is to figure out what’s fair — for you and your family. “There truly are no right answers for dividing your assets,” she says. “What’s equal isn’t always equitable. For most people, ‘fair’ is a feeling, not a fact.”</p><p>That’s not to say that allocating your assets evenly between your children is the wrong way to go. A mathematical split among your heirs can keep things simple on one level, without trying to rectify the imbalances of the past. In most cases, though, these are hard choices that require compassionate conversations, says Kolmetz. “Often, what’s holding up a couple’s plan isn’t the dollar amounts; it’s that they each need to express what fairness means to them. What did ‘being fair’ look like in their own families growing up? How does that translate to their own children and grandchildren now?”</p><p>The issue of fairness comes up in force with blended families, Agnew notes, making open conversations even more important. For example, she says, if a couple is in a second marriage, and one spouse has two children from a prior marriage. In contrast, the other has three. Should the assets of each spouse be divided equally <em>only</em> among their biological children?</p><p>Shaila Buckley agrees that exploring what’s fair and equitable — even when it’s uncomfortable — can help prevent far worse outcomes later on. “You absolutely have to put in time to have these discussions before someone dies, because this is the single most common type of litigation in estate planning.”</p><h2 id="4-worrying-too-much-about-estate-taxes-2">4. Worrying too much about estate taxes</h2><p><strong>The challenge</strong>. Another common cause of handwringing and confusion when setting up an estate plan is the impact of taxes, says Buckley. If you have a large estate, it could face federal taxes on the total fair market value of all assets at the time of your death (including real estate, investments, retirement accounts, cash and more).</p><p>In addition, 11 states and the District of Columbia (Connecticut, Hawaii, Illinois, Massachusetts, Maine, Minnesota, New York, Oregon, Rhode Island, Vermont and Washington) <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/inheritance/601551/states-with-scary-death-taxes">also levy estate taxes</a>, and five more have an inheritance tax levied on beneficiaries (Iowa, Kentucky, Nebraska, New Jersey and Pennsylvania). Maryland takes a bite coming and going with both an estate tax and an inheritance tax.</p><p><strong>What to do</strong>. While the ultra wealthy will need to consider estate and inheritance taxes, most people won’t, says Buckley. “Most people don’t understand that they’re not going to pay any estate taxes unless their estate is worth more than $15 million as an individual, and $30 million as a couple [for 2026]. So most people don’t even have to plan for estate taxes anymore.”</p><p>In fact, many people don’t realize that in both community property states and common law states, there is a step-up in basis for investments and real property, which can provide a substantial tax break for heirs, says Buckley. Say you bought 100 shares of Apple stock 20 years ago, at $10,000, and when you died, the fair market value of the stock was $100,000. If you sold the stock the day before you died, you’d owe capital gains on the profit: $90,000. But after you die, your heirs wouldn’t owe capital gains on that $90,000.</p><h2 id="5-relying-on-ai-to-write-your-plan-2">5. Relying on AI to write your plan</h2><p><strong>The challenge</strong>. A scourge of these high-tech times, estate planners say, is the temptation to use online or AI-generated estate plans. “They’re horrendous, and most people don’t know what they’re doing when they use these services,” says Buckley.</p><p>While these options may seem efficient and inexpensive, you or your heirs could end up spending far more time and money unraveling what these documents do and don’t cover. “The main issue is that these services aren’t state-specific and often misuse legal terms,” adds Spaeth, “which could trigger a formal <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/estate-planning/probate-the-terrible-horrible-no-good-very-bad-side-of-estate-planning">probate</a> proceeding, which would greatly increase the cost of administration.”</p><p><strong>What to do</strong>. Buckley acknowledges that it may sound biased for an estate attorney to recommend using … an estate attorney, “but you really want the expertise that a trained estate lawyer can provide.”</p><p><em>Note: This item first appeared in Kiplinger Retirement Report, our popular monthly periodical that covers key concerns of affluent older Americans who are retired or preparing for retirement. </em><a data-analytics-id="inline-link" href="https://subscribe.kiplinger.com/loc/KRP/kipcomstorykrr" target="_blank"><u><em>Subscribe for retirement advice</em></u></a><em> that’s right on the money.</em></p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/smart-estate-planning-moves">Estate Planning Checklist: 13 Smart Moves</a></li><li><a href="https://www.kiplinger.com/retirement/estate-planning/your-estate-plan-needs-an-advance-directive-for-dementia">Your Estate Plan Needs an Advance Directive for Dementia</a></li><li><a href="https://www.kiplinger.com/retirement/revocable-vs-irrevocable-trusts-what-you-may-not-know">Revocable vs Irrevocable Trust: It Comes Down to Control vs Protection</a></li><li><a href="https://www.kiplinger.com/retirement/estate-planning/things-you-should-leave-out-of-your-will-according-to-experts">10 Things You Should Leave Out of a Will According to Experts</a></li><li><a href="https://www.kiplinger.com/retirement/estate-planning/wills-gone-wild-how-to-avoid-estate-planning-disasters">Wills Gone Wild: How to Avoid Estate Planning Disasters</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/estate-planning/estate-planning-pitfalls-and-how-to-avoid-them</link> <description> <![CDATA[ From procrastination to AI, these five estate planning pitfalls could mean your heirs are left with bureaucratic hassles — or a reduced inheritance. ]]> </description> <guid isPermaLink="false">ZpFg6FdgeqW7B9XWDZpHsa</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/rysp8rwoigF9MovcaGam8B-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 10:01:00 +0000</pubDate> <category><![CDATA[Estate Planning]]></category> <category><![CDATA[Retirement]]></category> <dc:creator><![CDATA[ MP Dunleavey ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rysp8rwoigF9MovcaGam8B-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Two younger woman sit around a dining table with an older woman who takes notes on a notepad. It appears to be a family meeting, possibly about estate planning.]]></media:text> <media:title type="plain"><![CDATA[Two younger woman sit around a dining table with an older woman who takes notes on a notepad. It appears to be a family meeting, possibly about estate planning.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/rysp8rwoigF9MovcaGam8B-1280-80.jpg" /> </item> <item> <title><![CDATA[ I'm a CPA: Control These Three Levers to Keep Your Retirement on Track ]]></title> <dc:content><![CDATA[ <p>Retiring confidently comes down to pulling three levers throughout your working life:</p><ul><li><strong>Time.</strong> Time is on your side — time in the market vs. timing the market</li><li><strong>Savings.</strong> The more you save and the more consistently, the better</li><li><strong>Risk.</strong> The longer the timeframe, the greater the risk that can be taken</li></ul><p>These three levers are connected. The longer and the more you save, the better off you will be in retirement. However, the ways you use those levers in retirement are different — your mindset needs to change once you're there.</p><h2 id="risk-and-savings-before-retirement-2">Risk and savings before retirement</h2><p>The amount of money you may be willing to risk investing varies according to your earnings and financial obligations at different points in your working timeline.</p><p><em>Kiplinger's Adviser Intel, formerly known as Building Wealth, is a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.</em></p><p>If you have lots of time and have surplus to save, being aggressive can work in your favor for the long term. The principle of <a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/investing/t052-c008-s001-dollar-cost-averaging-how-does-dca-work-should-you.html">dollar-cost averaging</a> can work in your favor over long periods when preparing for retirement.</p><p>Retirement becomes not just possible, but a reality, when sustainable withdrawals from your properly balanced financial assets — along with income from any pensions and Social Security — can comfortably meet your retirement lifestyle needs.</p><p>If you want to shorten the time to your retirement, you'll need to adjust the second lever (saving) and/or third lever (risk).</p><p><strong>Saving more</strong> requires greater delayed gratification while you accelerate getting to your destination — retirement. Watch out, though: The earlier you retire, the more surplus you might need.</p><p>Many forget that <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/10-early-retirement-questions-to-help-decide">early retirement</a> brings extra expenses to plan for, such as medical costs while you wait for <a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/insurance/t027-c000-s002-faqs-about-medicare.html">Medicare eligibility</a>.</p><p><strong>Increasing risk</strong> to reach retirement faster can have its own pitfalls — it might help you retire sooner, but it could just as easily make the journey longer. You can't control the markets.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="how-risk-can-affect-retirement-outcomes-2">How risk can affect retirement outcomes</h2><p>Here's an example of how different levels of risk can affect your retirement savings.</p><p><strong>Scenario 1: Moderate risk (8% growth rate)</strong></p><p>Let's say someone is saving $20,000 a year for 30 years and their compound annual growth rate is 8%. They would have a little more than $2.2 million to add to Social Security income.</p><p><strong>Scenario 2: Higher risk (10% growth rate)</strong><br><br>Now, let's say that person takes more risk, and it pays off with a compound annual growth rate of 10%. Then they would have about $3.3 million — about 50% more than in the first example — to add to Social Security income. But remember: It could go the other way, as taking more risk doesn't guarantee greater returns.</p><p><strong>Scenario 3: Lower risk (6% growth rate) </strong></p><p>If this same person gets 6%, they would have only $1.6 million.</p><p>That's a large range based on returns, and it means your retirement lifestyle can look different if you can't adjust your retirement timeline lever.</p><h2 id="put-time-on-your-side-2">Put time on your side</h2><p>The biggest advantage of time is that the earlier you start saving, the more powerful the effect of compounding is. The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/what-is-the-rule-of-72">Rule of 72</a> is indeed a powerful thing. It tells you how quickly money doubles: The higher the rate of return, the less time it takes to double. The lower the rate of return, the longer it takes.</p><p>For example, if I get a 7% return, my money will double in about 10 years. If I get a 10% return, my money will double in about seven years. This "Rule of 72" is all about the relationship between those two levers: time and risk.</p><p>The lever we have the most control over is savings. The challenge for all people is delayed gratification — to save as much as possible during their working life to pay their future self.</p><h2 id="don-t-forget-the-bonus-lever-2">Don't forget the bonus lever </h2><p>The bonus lever is being smart about taxes along the way — an element often overlooked — to set yourself up for a better and lower tax experience in retirement, or at least provide yourself more insulation from potential tax increases later.</p><p>This bonus lever requires long-term and strategic thinking more than any of the others.</p><p>After all, we spend after-tax dollars, not pre-tax dollars, and tax breaks are only helpful if you take advantage of them.</p><p><em><strong>Looking for expert tips to grow and preserve your wealth? Sign up for </strong></em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/newsletterhttps://www.kiplinger.com/business/adviser-intel-newsletter"><em><strong>Adviser Intel</strong></em></a><em><strong> (formerly known as Building Wealth), our free, twice-weekly newsletter.</strong></em></p><p>Every situation is different, and there are some scenarios where deferring income can make sense.</p><p>However, people often defer taxes to a distant future, without knowing what the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/tax-brackets/602222/income-tax-brackets">tax rates</a> will be when it's time to pay. If tax rates go up — a real possibility — it's often not a good deal.</p><h2 id="the-levers-look-and-feel-different-in-retirement-2">The levers look and feel different in retirement</h2><p>Once you reach retirement, you're at a new starting line. Utilizing the levers of training, nutrition, rest and body maintenance for an endurance athlete allows them to not just prepare for a race, but to begin the race, enjoy it and finish well. That's what we all want in retirement, too.</p><p>So, you've done the hard work of preparing. Now what?</p><p>Retirement, though not a race, still requires endurance and sustainability to enjoy it, do it well and finish well.</p><p>First, you need to think differently, and that usually means taking some risk off the table. You need to know that you can get through the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/slideshow/investing/t038-s001-8-things-to-know-about-stock-market-corrections/index.html">downturns</a> when they come.</p><p>You have to pull the risk lever depending on how you think about money — setting yourself up so that you can endure a prolonged downturn, should one occur in retirement, is crucial. We don't know when or why a downturn will come, or how long it will last.</p><p>The only way to confidently retire is to know you have a plan to make it through the inevitable pullbacks.</p><p>Think about it in terms of how many years' worth of funds you don't want impacted by <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/market-volatility-avoid-common-investing-pitfalls">market swings</a> — 10, 15 or even 20 years — so you can use the funds to live on. This allows your other funds in stocks to recover and grow again.</p><p>While there is always the risk of <a data-analytics-id="inline-link" href="https://www.kiplinger.com/economic-forecasts/inflation">inflation</a>, it is important to recognize that the likely greater risk is losing money through investment risk in retirement.</p><p>That's because you can't easily make up those losses without enough time, and it's likely you won't want to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/happy-retirement/surprising-reasons-retirees-are-going-back-to-work">go back to work</a> or have a reduced lifestyle.</p><h2 id="adjusting-your-levers-during-retirement-2">Adjusting your levers during retirement</h2><p>Time is not on your side in retirement. If you retire earlier, say, around 60, you've got more challenges to navigate, more time to make your money work for you, and more ups and downs to get through.</p><p>You can't be <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/sequence-of-returns-risk-can-ruin-your-retirement">withdrawing funds from money that</a><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/sequence-of-returns-risk-can-ruin-your-retirement">'</a><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/sequence-of-returns-risk-can-ruin-your-retirement">s down</a>. That's destructive. It's the opposite of adding savings in downturns by buying stocks on sale.</p><p>To stay out of that scenario, you've got to consider adjusting risk. If you have saved and invested well and have a surplus in retirement, ask yourself:</p><ul><li>Why would you keep taking unnecessary risks?</li><li>Who are you taking risks for?</li><li>Is it for you or for others?</li></ul><p>For those we work with who are mostly in the surplus scenario, the conversations are very different. They become about another lever, and it's the opposite of saving. It's the lever of deploying more of your wealth during your life.</p><p>This can mean more dream trips, helping your family and helping others generously. When you have the confidence that you have what you need and are structured correctly with the right risk level, it's possible to deploy your hard-earned retirement funds when you want, for what you want and for whom you want.</p><p>Using your timing, saving and risk levers in the right way can set you up for a retirement that's lower on stress and higher in enjoyment. Just make the necessary adjustments to your thinking and investments when you're approaching the starting line.</p><p>As for that bonus lever — being smart about taxes — it doesn't end when you begin retirement. It's important to continue taking advantage of available tax breaks throughout.</p><p><em>Dan Dunkin contributed to this article.</em></p><p><em>Appearances on Kiplinger.com were obtained through a paid public relations program. The author received assistance from a public relations firm in preparing this piece for submission to Kiplinger.com. Kiplinger was not compensated in any way. Some media features/ appearances are advertisements paid for by Boomfish Wealth Group LLC to promote the business.</em></p><p><em>The information contained herein is for educational purposes only. It is not intended to provide, and should not be relied on for, any tax, legal or investment advice. You are advised to seek the advice of a qualified professional prior to making any decision based on any specific information contained herein. The specific tax consequences of any investment or strategy will depend on your specific tax situation.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/market-turmoil-what-history-tells-us-about-volatility">Market Turmoil: What History Tells Us About Current Volatility</a></li><li><a href="https://www.kiplinger.com/investing/recent-market-volatility-offers-valuable-lessons-for-investors">Recent Market Volatility Offers Valuable Lessons for Investors</a></li><li><a href="https://www.kiplinger.com/investing/risk-vs-reward-in-investing">Risk vs Reward: Understanding This Intricate Investing Dance</a></li><li><a href="https://www.kiplinger.com/retirement/sequence-of-return-risk-how-retirees-can-protect-themselves">Sequence of Return Risk: How Retirees Can Protect Themselves</a></li><li><a href="https://www.kiplinger.com/retirement/risk-in-retirement-what-level-works-for-you">Risk in Retirement: What's the Right Level for You?</a></li></ul><p>This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the <a href="https://adviserinfo.sec.gov/" target="_blank"><strong>SEC</strong></a> or with <a href="https://brokercheck.finra.org/" target="_blank"><strong>FINRA</strong></a>.</p> ]]></dc:content> <link>https://www.kiplinger.com/retirement/retirement-planning/to-keep-your-retirement-on-track-control-these-levers</link> <description> <![CDATA[ Think of investing in terms of time, savings and risk. By carefully monitoring all three, you'll keep your retirement plans heading in the right direction. ]]> </description> <guid isPermaLink="false">GJE44gjoXwhXeZ2EQMBzFP</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/NymvNpvH9jdLVkn24MPdqM-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Wed, 29 Oct 2025 09:30:00 +0000</pubDate> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Wealth Creation]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Wealth Management]]></category> <author><![CDATA[ scottnoble@wealthwithnoregrets.com (Scott Noble, CPA/PFS) ]]></author> <dc:creator><![CDATA[ Scott Noble, CPA/PFS ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NymvNpvH9jdLVkn24MPdqM-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Three levers, one in the the on position.]]></media:text> <media:title type="plain"><![CDATA[Three levers, one in the the on position.]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/NymvNpvH9jdLVkn24MPdqM-1280-80.jpg" /> </item> <item> <title><![CDATA[ Stocks Hit Fresh Highs Ahead of the Fed As Earnings Pump Optimism: Stock Market Today ]]></title> <dc:content><![CDATA[ <p>Stocks opened modestly higher Tuesday thanks to the latest batch of corporate earnings reports. Optimism ramped up in afternoon trading, with all three main benchmarks finishing the day at new record highs.</p><p>At the close, the blue-chip <strong>Dow Jones Industrial Average</strong> was up 0.3% at 47,706, the broader <strong>S&P 500</strong> had added 0.2% to 6,890, and the tech-heavy <strong>Nasdaq Composite</strong> had gained 0.8% to 23,827.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-market-overview.js" async>{"source":"marketOverview","id":"ebc268ae-5ca5-40d4-a4c8-fd2fcb86d61b","colorTheme":"light","dateRange":"12M","showChart":true,"locale":"en","largeChartUrl":"","isTransparent":false,"showSymbolLogo":true,"showFloatingTooltip":false,"width":"400","height":"550","plotLineColorGrowing":"rgba(41, 98, 255, 1)","plotLineColorFalling":"rgba(41, 98, 255, 1)","gridLineColor":"rgba(240, 243, 250, 0)","scaleFontColor":"rgba(19, 23, 34, 1)","belowLineFillColorGrowing":"rgba(41, 98, 255, 0.12)","belowLineFillColorFalling":"rgba(41, 98, 255, 0.12)","belowLineFillColorGrowingBottom":"rgba(41, 98, 255, 0)","belowLineFillColorFallingBottom":"rgba(41, 98, 255, 0)","symbolActiveColor":"rgba(41, 98, 255, 0.12)","tabs":[{"title":"Indices","originalTitle":"Indices","symbols":[{"d":"S&P 500 Index","s":"FOREXCOM:SPXUSD"},{"d":"Dow Jones Industrial Average Index","s":"FOREXCOM:DJI"},{"d":"Nasdaq Composite","s":"NASDAQ:IXIC"}]},{"title":"Futures","originalTitle":"Futures","symbols":[{"d":"S&P 500","s":"CME_MINI:ES1!"},{"d":"Euro","s":"CME:6E1!"},{"d":"Gold","s":"COMEX:GC1!"},{"d":"WTI Crude Oil","s":"NYMEX:CL1!"},{"d":"Gas","s":"NYMEX:NG1!"},{"d":"Corn","s":"CBOT:ZC1!"}]},{"title":"Bonds","originalTitle":"Bonds","symbols":[{"d":"T-Bond","s":"CBOT:ZB1!"},{"d":"Ultra T-Bond","s":"CBOT:UB1!"},{"d":"Euro Bund","s":"EUREX:FGBL1!"},{"d":"Euro BTP","s":"EUREX:FBTP1!"},{"d":"Euro BOBL","s":"EUREX:FGBM1!"}]},{"title":"Forex","originalTitle":"Forex","symbols":[{"d":"EUR to USD","s":"FX:EURUSD"},{"d":"GBP to USD","s":"FX:GBPUSD"},{"d":"USD to JPY","s":"FX:USDJPY"},{"d":"USD to CHF","s":"FX:USDCHF"},{"d":"AUD to USD","s":"FX:AUDUSD"},{"d":"USD to CAD","s":"FX:USDCAD"}]}],"realType":"embed"}</script></div><p>This is the busiest week for the third-quarter <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/17494/next-week-earnings-calendar-stocks"><u>earnings calendar</u></a> so far, and this morning, several <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/605147/hedge-funds-top-blue-chip-stocks-to-buy-now"><u>blue chip stocks</u></a> released their quarterly results.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>Among them was <strong>Sherwin-Williams</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=SHW" target="_blank">SHW</a>), which reported higher-than-expected third-quarter earnings and revenue and reiterated its full-year forecast. Shares jumped 5.5% as a result – adding to their <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/1000-invested-sherwin-williams-shw-stock-worth-how-much-now"><u>long-term returns</u></a> – which made SHW the best <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/602319/all-30-dow-jones-stocks-ranked-the-pros-weigh-in"><u>Dow Jones stock</u></a> today.</p><h2 id="unitedhealth-pops-on-q3-earnings-beat-2">UnitedHealth pops on Q3 earnings beat</h2><p><strong>UnitedHealth Group</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=UNH" target="_blank">UNH</a>) was also near the top of the Dow Tuesday, rising 0.5% after the health care giant's beat-and-raise quarter.</p><p>It's been a rough year for the health insurer – both on and off the price charts. In addition to managing rising Medicare costs and a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/unitedhealth-unh-stock-drags-on-the-dow-after-doj-probe-news"><u>Department of Justice investigation</u></a> into its billing practices, UNH's CEO, Andrew Witty, stepped down in May.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"1bb45250-2795-4b13-b2e4-72370005617c","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:UNH","realType":"embed"}</script></div><p>And while the company's upwardly revised full-year earnings outlook of $16.25 per share is notably lower than its year-ago results ($27.66 per share), new CEO, Stephen Hemsley, who previously served in the role from 2006 to 2017, said he is "confident" UNH "will return to solid earnings growth next year."</p><p>As for its share price, UnitedHealth was down more than 50% for the year to date through late July. However, shares are up nearly 50% since then, thanks in part to news that Warren Buffett's <strong>Berkshire Hathaway</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=BRK.B" target="_blank">BRK.B</a>) <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/berkshire-buys-the-dip-on-unitedhealth-group-stock-should-you"><u>took a stake</u></a> in the embattled <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/the-best-health-care-stocks-to-buy"><u>health care stock</u></a> in the second quarter.</p><h2 id="ups-reports-earnings-beat-as-reorganization-efforts-pay-off-2">UPS reports earnings beat as reorganization efforts pay off</h2><p><strong>United Parcel Service</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=UPS" target="_blank">UPS</a>) was another notable post-earnings gainer, jumping 8.0% after the logistics firm reported better-than-expected third-quarter earnings of $1.74 per share on $21.4 billion in revenue.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"8b546574-0d70-43a5-bee2-e8a287199cd5","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NYSE:UPS","realType":"embed"}</script></div><p>UPS credited restructuring plans for its strong results. In addition to cutting roughly 48,000 jobs this year, it closed daily operations at more than 90 leased or owned buildings. These efforts resulted in $2.2 billion in cost savings through September 30.</p><p>"We are executing the most significant strategic shift in our company's history, and the changes we are implementing are designed to deliver long-term value for all stakeholders," said UPS CEO Carol Tomé in the <a data-analytics-id="inline-link" href="https://investors.ups.com/_assets/_ef7d88211c0730938dd9ca5186deb1e8/ups/news/2025-10-28_UPS_Releases_3Q_2025_2150.pdf"><u>earnings release</u></a>.</p><h2 id="amazon-layoffs-send-stock-higher-2">Amazon layoffs send stock higher</h2><p>Elsewhere on Wall Street, <strong>Amazon.com</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=AMZN" target="_blank">AMZN</a>) rose 1.0% after the e-commerce giant said it is laying off roughly 14,000 corporate employees– though a <a data-analytics-id="inline-link" href="https://www.reuters.com/business/world-at-work/amazon-targets-many-30000-corporate-job-cuts-sources-say-2025-10-27/" target="_blank"><u>Reuters</u></a> report puts the number closer to 30,000.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"7869d96e-15a7-4642-a34d-dca57f6e72bd","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"NASDAQ:AMZN","realType":"embed"}</script></div><p>In June, Amazon CEO Andy Jassy said in <a data-analytics-id="inline-link" href="https://www.aboutamazon.com/news/company-news/amazon-ceo-andy-jassy-on-generative-ai" target="_blank"><u>a memo to employees</u></a> that the company's embrace of generative artificial intelligence (AI) will "change the way our work is done. We will need fewer people doing some of the jobs that are being done today, and more people doing other types of jobs."</p><p>And in <a data-analytics-id="inline-link" href="https://www.aboutamazon.com/news/company-news/amazon-workforce-reduction" target="_blank"><u>a memo sent earlier</u></a> today, Amazon said that as a result of this "transformative technology," the company needs "to be organized more leanly, with fewer layers and more ownership, to move as quickly as possible for our customers and business."</p><p>The news comes ahead of Amazon's third-quarter earnings announcement, which is due out after Thursday's close.</p><p>Jefferies analyst <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/brentthill" target="_blank"><u>Brent Thill</u></a> expects "overall solid numbers" for Amazon's Q3 results, which, when "combined with an improving Amazon Web Services [the company's cloud segment outlook," could give the mega-cap stock a lift.</p><p>As for Amazon's retail business, Thill thinks that "resilient macro & consumers as well as efficient marketplace dynamics on Amazon should help offset headwinds from tariffs and value-oriented buying."</p><h2 id="big-tech-earnings-fed-meeting-on-deck-2">Big Tech earnings, Fed meeting on deck</h2><p>There are a few Big Tech reports to get through ahead of Amazon's earnings event; namely, <strong>Alphabet</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=GOOGL" target="_blank">GOOGL</a>), <strong>Meta Platforms</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=META" target="_blank">META</a>) and <strong>Microsoft</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=MSFT" target="_blank">MSFT</a>), which all report after Wednesday's close.</p><p>MSFT made a notable move today, becoming just the second company ever – <strong>Nvidia</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=NVDA" target="_blank">NVDA</a>) being the first – to close with a $4 trillion market cap.</p><div class="tradingview-widget-container"> <div class="tradingview-widget-container__widget"></div> <div class="tradingview-widget-copyright"><a href="https://www.tradingview.com/" rel="noopener nofollow" target="_blank"><span class="blue-text">Track all markets on TradingView</span></a></div> <script type="text/javascript" src="https://s3.tradingview.com/external-embedding/embed-widget-single-quote.js" async>{"source":"singleQuote","id":"0c8e2fc6-832a-4df1-877b-3400c1b04ca6","colorTheme":"light","isTransparent":false,"locale":"en","width":"350","symbol":"MSFT","realType":"embed"}</script></div><p>And before these mega-cap earnings start to roll in, Wall Street will get the latest Federal Open Market Committee policy decision. Indeed, the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/live/october-fed-meeting-live-updates-and-commentary-2025"><u>October Fed meeting</u></a> will wrap up tomorrow afternoon, with the central bank widely expected to issue its second straight rate cut.</p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/stocks/what-the-rich-know-about-investing-that-you-dont">What the Rich Know About Investing That You Don't</a></li><li><a href="https://www.kiplinger.com/investing/stocks/trgp-ttwo-bsx-why-experts-rate-these-stocks-at-strong-buy">Targa Resources, Take-Two Interactive, Boston Scientific: Why Experts Rate These Stocks at Strong Buy</a></li><li><a href="https://www.kiplinger.com/investing/stocks/how-to-invest-for-a-fall-interest-rate-cut-by-the-fed">How to Invest for Fall Rate Cuts by the Fed</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/stocks-hit-fresh-highs-ahead-of-the-fed-as-earnings-pump-optimism-stock-market-today</link> <description> <![CDATA[ SHW and UNH were two of the best Dow Jones stocks Tuesday, thanks to solid earnings reports, and MSFT closed with a $4 trillion market cap. ]]> </description> <guid isPermaLink="false">nUYV7scjGyJMDBJvY4hU37</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/t8sZX5NJLvibN3x7pVXdAN-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 20:09:05 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <author><![CDATA[ karee.venema@futurenet.com (Karee Venema) ]]></author> <dc:creator><![CDATA[ Karee Venema ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/t8sZX5NJLvibN3x7pVXdAN-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[arrows in different shades of green pointing up and to the right]]></media:text> <media:title type="plain"><![CDATA[arrows in different shades of green pointing up and to the right]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/t8sZX5NJLvibN3x7pVXdAN-1280-80.jpg" /> </item> <item> <title><![CDATA[ Selling a Haunted House? What You Have to Tell Buyers (and What You Don’t) ]]></title> <dc:content><![CDATA[ <p>You don’t need ghosts in the attic to scare off homebuyers. Sometimes a home’s past is spooky enough. Even the most beautiful homes can give buyers pause if their backstory raises eyebrows.</p><p>Whether it’s a murder, a suicide, a notorious crime or even a rumor of paranormal activity, homes with unsettling histories are known in real estate as “stigmatized properties.”</p><p>For sellers, that stigma can raise difficult and occasionally eerie questions. Do you have to tell buyers your house is haunted? And could it hurt your home’s value? Here’s what to know about disclosing (and marketing) a home with a haunted reputation.</p><h2 id="what-is-a-stigmatized-home-2">What is a “stigmatized” home?</h2><p>A stigmatized property isn’t physically defective; it’s psychologically or socially marked in a way that might make buyers uneasy. That could include:</p><ul><li>A death on the property</li><li>A crime, such as a murder or drug activity</li><li>A history of paranormal reports or local lore</li><li>Past ownership by someone notorious or controversial</li></ul><p>Even when a home is in excellent condition, perception can be as powerful as reality. A death on the property might be enough to turn them away, and that’s not always something sellers can easily prove or explain.</p><p>Others might simply fear the unwanted attention that comes with a home known for ghost tales or true-crime rumors.</p><p>Stigma can influence a sale, from fewer showings to lower offers. Still, not all stigmatized properties lose value. As a young real estate agent, I was often surprised by how many of these listings drew extra interest from buyers eager to own a piece of history.</p><p>I once helped a client purchase a commercial property in Detroit, rumored to have ties to the mafia in the 1920s. The basement still showed traces of its past with remnants of a speakeasy that hinted at the city’s bootlegging era. Rather than scaring buyers away, the building's story added intrigue. The couple who bought it were thrilled to own a slice of Detroit's history.</p><p>In that case, the seller didn’t have to disclose it, but depending on where you live, the rules around what sellers must reveal can be surprisingly different.</p><h2 id="the-surprising-patchwork-of-state-disclosure-laws-2">The surprising patchwork of state disclosure laws</h2><p>When it comes to disclosing a home’s haunted history, the rules are far from uniform, and in some states, silence is perfectly legal.</p><p>Only a handful of states have specific statutes addressing stigmatized properties.</p><ul><li><strong>California:</strong> Sellers must disclose any death that occurred on the property within the past three years.</li><li><strong>Alaska:</strong> Agents must disclose a murder or suicide that happened on the property within the past year.</li><li><strong>South Dakota:</strong> Sellers must disclose any homicide or suicide that occurred while they owned the property.</li><li><strong>Massachusetts, Minnesota and New Jersey:</strong> Sellers don’t have to disclose alleged paranormal activity, but if a buyer asks directly, they can’t lie.</li></ul><p>In most other states, the rules are broader. Sellers generally must disclose material facts that could influence a buyer’s decision, and whether a haunting qualifies often comes down to interpretation.</p><p>It’s also worth noting that many real estate agents are bound by ethical disclosure rules that go beyond state law. If something about the property’s reputation could influence the sale, most real estate agents will err on the side of transparency. Real estate works best when you lead with honesty, even if it means revealing a skeleton or two in the closet.</p><h2 id="how-to-price-a-home-with-a-spooky-reputation-2">How to price a home with a spooky reputation</h2><p>Does a haunting hurt your home’s value? The data is mixed. A <a data-analytics-id="inline-link" href="https://zillow.mediaroom.com/2023-10-24-Nearly-70-of-prospective-buyers-would-buy-a-haunted-house-if-it-checked-all-their-boxes">Zillow survey</a> found nearly 70% of buyers would consider a haunted house if it met their other must-haves: price, location and amenities. Most said they’d expect a discount only if the haunting were well known or the property had been the site of a serious crime.</p><p>If your home has a complicated past, stick to facts, not folklore. Work with an agent who knows your state’s disclosure laws and can help position the property to get top dollar.</p><p>A spooky story doesn’t always scare off buyers. Some of the most notorious homes in America have sold for millions, proving that the right blend of history and intrigue can still attract serious offers.</p><h2 id="haunted-homes-that-still-sold-for-a-scary-good-price-2">Haunted homes that still sold for a scary good price</h2><p>Even the most infamous properties can find buyers. These haunted or historically notorious homes prove that reputation doesn’t always stop a sale, though it can influence the price.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="dKGA5odctMb2bPVismacwk" name="GettyImages-1229220490" alt="The "Conjuring" house in Harrisville, RI" src="https://cdn.mos.cms.futurecdn.net/dKGA5odctMb2bPVismacwk.jpg" mos="" align="middle" fullscreen="" width="1024" height="683" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Boston Globe / Contributor)</span></figcaption></figure><p><strong>The Conjuring House</strong></p><p>Location: Burrillville, Rhode Island</p><p>Last sold for: $1.53 million (2022)</p><p>Built in 1736, this farmhouse inspired The Conjuring after reports of paranormal activity from the Perron family in the 1970s. It now operates as a destination for ghost tours and investigations.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.02%;"><img id="xFopCjfgGtJgSnTXEmkmpD" name="GettyImages-167652325" alt="LaLaurie Mansion in New Orleans, LA" src="https://cdn.mos.cms.futurecdn.net/xFopCjfgGtJgSnTXEmkmpD.jpg" mos="" align="middle" fullscreen="" width="1024" height="676" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Steven Wagner / Contributor)</span></figcaption></figure><p><strong>LaLaurie Mansion</strong></p><p>Location: New Orleans, Louisiana</p><p>Last sold for: $4.3 million</p><p>Once owned by socialite Madame Delphine LaLaurie, the mansion is infamous for the abuse of enslaved people in the 1830s. Actor Nicolas Cage later owned it before losing it to foreclosure.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="shsanuzEu8ZubhcdtqFJLR" name="GettyImages-1236200327" alt="Front view of the Winchester Mystery House" src="https://cdn.mos.cms.futurecdn.net/shsanuzEu8ZubhcdtqFJLR.jpg" mos="" align="middle" fullscreen="" width="1024" height="683" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Anadolu / Contributor)</span></figcaption></figure><p><strong>Winchester Mystery House</strong></p><p>Location: San Jose, California</p><p>Last sold for: $135,000 (1922)</p><p>Heiress Sarah Winchester spent decades expanding this labyrinth of a mansion, believed to be haunted by the spirits of those killed by Winchester rifles. It’s now valued in the millions.</p><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:71.39%;"><img id="MYTYhrX8iowJAxMNeLwu6D" name="GettyImages-53314646" alt="Amityville Horror House in Amityville, New York" src="https://cdn.mos.cms.futurecdn.net/MYTYhrX8iowJAxMNeLwu6D.jpg" mos="" align="middle" fullscreen="" width="1024" height="731" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Paul Hawthorne / Staff)</span></figcaption></figure><p><strong>Amityville Horror House</strong></p><p>Location: Long Island, New York</p><p>Last sold for: $605,000</p><p>Made infamous by the 1974 DeFeo family murders and the Amityville Horror book and films that followed, this colonial-style home sold for well below market value due to its tragic history. Despite renovations and address changes, its reputation remains one of the most notorious in American real estate.</p><h2 id="what-to-say-and-not-say-when-listing-your-home-2">What to say (and not say) when listing your home</h2><p>If your home has a history buyers may have heard about, be mindful of your wording to prevent any Halloween-style surprises at closing.</p><p><strong>Be honest, but not sensational.</strong> You don’t need to include “Murder House on Maple Street” in your property description, but you shouldn’t conceal facts that might be easily discovered with a Google search.</p><p><strong>Answer questions directly.</strong> If a buyer asks, “Has anyone died here?” and the answer is yes, say so plainly. Honesty builds trust and reduces the risk of disputes later.</p><p><strong>Avoid feeding rumors.</strong> If neighborhood gossip claims your house is haunted, you don’t have to validate it, but it’s smart to acknowledge what’s public record or widely known. “The home has been part of local folklore” is a neutral way to address it. When possible, provide documentation, news coverage or public records to clarify the facts.</p><p><strong>Focus on positives.</strong> Emphasize the home’s strengths, updated systems, modern design, great location while being prepared to discuss its history privately if asked.</p><h2 id="a-not-so-scary-ending-for-sellers-2">A not-so-scary ending for sellers</h2><p>Haunted or not, every home has a story. If yours happens to include one that’s a little darker, you don’t need an exorcist, just a disclosure strategy.</p><p>Understand your state’s laws, be transparent when asked and work with a knowledgeable agent who can guide you through sensitive buyer conversations. After all, one person’s nightmare listing might just be another’s dream home.</p><p>Luckily, your home insurance policy doesn’t require you to disclose any ghosts. Use the tool below to explore and compare some of today’s top home insurance offers, powered by Bankrate:</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/real-estate/places-to-live/601488/25-cheapest-us-cities-to-live-in">The 15 Cheapest Places to Live: US Cities Edition</a></li><li><a href="https://www.kiplinger.com/real-estate/mortgages/how-the-federal-reserve-affects-mortgage-rates">How the Federal Reserve Affects Mortgage Rates — and What It Means for Homebuyers in 2025</a></li><li><a href="https://www.kiplinger.com/real-estate/buying-a-home/how-does-the-10-year-treasury-yield-affect-mortgage-rates">How Does the 10-Year Treasury Yield Affect Mortgage Rates?</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/real-estate/selling-a-home/haunted-house-selling-disclosure-requirements</link> <description> <![CDATA[ You don’t need ghosts to spook buyers, sometimes a home’s past is enough. Here’s what sellers should know about disclosure laws, pricing and perception when a property has a haunted history. ]]> </description> <guid isPermaLink="false">WbDW5ccYm64EPaSYL6DuMg</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/kRcfBCA8AGKSu4M89PRBpA-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 17:40:28 +0000</pubDate> <category><![CDATA[Selling A Home]]></category> <category><![CDATA[Mortgages]]></category> <category><![CDATA[Real Estate]]></category> <dc:creator><![CDATA[ Carla Ayers ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kRcfBCA8AGKSu4M89PRBpA-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Abandoned house with closed shutters under a moody sky]]></media:text> <media:title type="plain"><![CDATA[Abandoned house with closed shutters under a moody sky]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/kRcfBCA8AGKSu4M89PRBpA-1280-80.jpg" /> </item> <item> <title><![CDATA[ CMS Brings Back Furloughed Staff for Medicare Open Enrollment Lifeline ]]></title> <dc:content><![CDATA[ <p>The Centers for Medicare and Medicaid Services (<a data-analytics-id="inline-link" href="https://www.cms.gov/" target="_blank">CMS</a>) is taking measures to safeguard a critical season for American health care, announcing the temporary return of approximately 3,000 workers who are expected to manage the ongoing <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/603551/when-is-medicare-open-enrollment">Medicare Open Enrollment</a> and upcoming Affordable Care Act (ACA) Marketplace Open Enrollment periods. This recall, necessitated by the ongoing government shutdown, underscores the essential nature of these employees' duties and the impact staff shortages can have on <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/medicare-affected-government-shutdown">federal health programs</a> and their beneficiaries.</p><p>Last week, some employees of the Bureau of Labor Statistics were <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/government-shutdown-could-delay-2026-social-security-cola-announcement">recalled to complete</a> the September CPI report. This report contained data that was essential to computing the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/social-security-cola-2026">2026 Social Security COLA</a>. That report was released on October 24, nine days after its scheduled release date of October 15.</p><h2 id="addressing-the-operational-issues-2">Addressing the operational issues</h2><p>The decision to bring back the furloughed workers comes at a crucial juncture. The Medicare Open Enrollment period that runs from October 15 – December 7 is already underway, and the <a data-analytics-id="inline-link" href="https://www.healthcare.gov/" target="_blank">ACA Marketplace Open Enrollment</a> will begin soon on November 1 and run until January 15. Together, these periods represent a vital window during which millions of Americans enroll or change their health coverage for the coming year. Losing thousands of workers during this period could undermine beneficiaries' ability to find and enroll in the best health care plan for their needs and budget.</p><p>A CMS spokesperson told the <a data-analytics-id="inline-link" href="https://federalnewsnetwork.com/government-shutdown/2025/10/cms-recalls-nearly-3000-employees-to-manage-open-enrollment-amid-shutdown/#:~:text=Many%20federal%20employees%20received%20a,the%20CMS%20workforce%20is%20excepted." target="_blank">Federal News Network</a> that the recall was necessary "to best serve the American people amid the Medicare and Marketplace open enrollment seasons."</p><p>The recall highlights the vast responsibilities of CMS, which provides health coverage for over 160 million Americans through its programs: Medicare, Medicaid, and the ACA Marketplaces. Without sufficient staffing, even mandatory federal programs, which are largely protected from a shutdown, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/medicare/medicare-affected-government-shutdown">such as Medicare</a>, can face administrative issues and staffing shortfalls that directly impact beneficiaries.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_KQr60TxC_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="KQr60TxC"> <div id="botr_KQr60TxC_a7GJFMMh_div"></div> </div> </div></div><h2 id="funding-the-furlough-fix-2">Funding the furlough fix</h2><p>An interesting aspect of the recall is the funding mechanism used to pay the employees. To avoid violating government shutdown rules, CMS announced that the returning employees will be paid through user fees collected from sharing data with researchers, a funding stream separate from the lapsed congressional appropriations, <a data-analytics-id="inline-link" href="https://www.reuters.com/business/healthcare-pharmaceuticals/us-medicare-agency-recalls-furloughed-staff-support-open-enrollment-despite-2025-10-23/" target="_blank">according to</a> Reuters.</p><p>While this solution ensures staff are paid and operations can continue for the time being, it is temporary, and the duration of the recall remains unknown.</p><p>With the cost of next year's health plans still unknown for many, the increased staffing at the CMS provides some assurance that the enrollment process itself will not be interrupted or impeded by the current political stalemate.</p><p>The CMS staff recall shows that the agency’s mission is critical — and the deadlines too immovable — to be subject to ordinary shutdown procedures. It is an information lifeline extended to the millions of Americans who depend on a functioning enrollment system to secure their health coverage.</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/medicare/medicare-affected-government-shutdown">How Medicare Is Affected by a Government Shutdown</a></li><li><a href="https://www.kiplinger.com/retirement/medicare/prepare-you-for-medicare-open-enrollment">Medicare Open Enrollment: 10 Things to Know</a></li><li><a href="https://www.kiplinger.com/retirement/medicare/601487/costly-medicare-mistakes-you-should-avoid-making">11 Costly Medicare Mistakes You Should Avoid Making</a></li><li><a href="https://www.kiplinger.com/retirement/medicare/medicare-changes-coming-in-2026">Seven Medicare Changes Coming in 2026</a></li><li><a href="https://www.kiplinger.com/retirement/medicare/plan-for-higher-health-care-costs-in-2026-projected-medicare-part-b-and-part-d-premiums">Medicare Premiums Projected to Jump in 2026</a></li><li><a href="https://www.kiplinger.com/retirement/medicare/medicare-premiums-projected-irmaa-for-parts-b-and-d-for-2026">Medicare Premiums 2026: Projected IRMAA Brackets and Surcharges for Parts B and D</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/medicare/cms-brings-back-furloughed-staff-for-medicare-open-enrollment-lifeline</link> <description> <![CDATA[ The government has recalled approximately 3,000 workers to assist with Medicare and ACA Marketplace Open Enrollment. ]]> </description> <guid isPermaLink="false">N3uuSH42n9etUXQD3MWgDB</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/AvDWnAxrEQGuq2ydEYftK8-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 17:24:33 +0000</pubDate> <category><![CDATA[Medicare]]></category> <category><![CDATA[Retirement]]></category> <category><![CDATA[Health Insurance]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Insurance]]></category> <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AvDWnAxrEQGuq2ydEYftK8-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[concept word medicare on cubes on a blue background]]></media:text> <media:title type="plain"><![CDATA[concept word medicare on cubes on a blue background]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/AvDWnAxrEQGuq2ydEYftK8-1280-80.jpg" /> </item> <item> <title><![CDATA[ Social Security Tax Limit Rises Again: Who Pays More in 2026? ]]></title> <dc:content><![CDATA[ <p>The Social Security Administration (<a data-analytics-id="inline-link" href="https://www.ssa.gov/" target="_blank">SSA</a>) just announced two key updates for 2026: the new cost-of-living adjustment (COLA) and the updated Social Security tax wage base.</p><p>You’ve probably heard a lot about the COLA, but fewer people realize there’s a cap on how much of your earnings are subject to the Social Security payroll tax. This “wage base" (also known as the Social Security tax limit or wage cap) sets the maximum amount of income that can be taxed to help fund the program each year.</p><p>That's important since payroll taxes help fund Social Security, which more than 68 million Americans rely on for retirement, disability, or survivor benefits.</p><p>But the higher the wage cap, the more income is taxed, which particularly affects higher earners.</p><p>Here’s how that limit is changing for 2026 and what it could mean for your paycheck.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_hEB3ir3W_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="hEB3ir3W"> <div id="botr_hEB3ir3W_a7GJFMMh_div"></div> </div> </div></div><h2 id="social-security-wage-base-2026-2">Social Security wage base 2026 </h2><p><strong>The Social Security tax limit (aka wage base) will increase by about 4.8% to $184,500 for 2026.</strong></p><p>The amount is adjusted annually for inflation. However, it’s important to note that the wage base and SS COLA are calculated using distinct methods and data sets.</p><p>The tax limit changes are particularly significant for high-income earners, who may pay more Social Security tax on their earnings next year. So, understanding the adjustment is crucial for effective financial planning.</p><h2 id="social-security-tax-rate-2">Social Security tax rate</h2><p>As noted, the 2026 Social Security tax limit rises to $184,500 for 2026. (The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/social-security-tax-wage-base-jumps">2025 tax limit </a>was $176,100.)</p><p><em>This 4.77% increase is less than the 5.2% jump from 2023 to 2024 but more than the 4.4% increase from 2024 to 2025.</em></p><p>Still, if you earn more than $176,100 this year, 2025, you haven’t had to pay the Social Security payroll tax on the amount of your income that exceeds that limit.) That can result in considerable tax savings.</p><ul><li>Take, for example, an employee with a 2025 annual salary that exceeded the tax limit by $10,000. Since the Social Security tax rate is 6.2% (<em>your employer also pays 6.2%</em>), they would save $620 on Social Security taxes.</li><li>On the other hand, someone who earns wages exceeding the base by $30,000 would receive a $1,860 tax break.</li><li>The more you make over the tax limit, the more your Social Security tax savings.</li></ul><p>However, the Social Security tax limit increases yearly as the national average wage index increases. When that happens, more income is subject to the Social Security tax.</p><p><em>Note: Some people don’t have to pay Social Security taxes. (Exemptions from Social Security taxes may be available if certain requirements are met.) </em></p><p>Also, <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/income-tax/603972/most-overlooked-tax-deductions-and-credits-self-employed">self-employed individuals</a> pay the full 12.4% rate. However, if you're self-employed, you can deduct the employer-equivalent portion of that amount.</p><h2 id="medicare-tax-rate-2025-and-2026-2">Medicare tax rate 2025 and 2026</h2><p>It’s also worth noting that, unlike Social Security, the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/medicare-tax">Medicare tax </a>has no income cap.</p><p>The standard Medicare tax rate of 1.45% (<em>paid by the employee, 2.9% total when added to the employer portion</em>) applies to all earnings, regardless of income level.</p><p>High-income earners can be subject to an additional Medicare surtax of 0.9%. This applies to those with income above $200,000 for single filers or $250,000 for married couples filing jointly.</p><p>Self-employed individuals pay the employee and employer portions of Medicare tax but can claim a self-employment tax deduction. The 0.9% on high incomes may apply.</p><h2 id="social-security-cola-2026-2">Social Security COLA 2026</h2><p><strong>Along with the wage tax base rate, the SSA announced the</strong><a data-analytics-id="inline-link" href="https://www.ssa.gov/oact/cola/colasummary.html" target="_blank"><strong> 2026 COLA increase, </strong></a><strong>which is 2.8%. </strong></p><p>On average, according to the SSA, Social Security retirement monthly benefits for an "average retiree" are expected to grow by about $57 as of January 2026.</p><p><em>For more information, see Kiplinger's report: </em><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/social-security-cola-2026"><em>The Social Security COLA for 2026: What You Need to Know.</em></a></p><h2 id="will-the-social-security-tax-limit-be-eliminated-soon-2">Will the Social Security tax limit be eliminated soon?</h2><p>As <a data-analytics-id="inline-link" href="https://www.kiplinger.com/taxes/trump-tax-plan-speeding-up-social-security-funding-crisis">Social Security faces mounting long-term funding pressures,</a> some lawmakers and policy groups are reviving calls to scrap the SS payroll tax income cap.</p><p>Removing the Social Security tax wage base/limit would mean high earners pay the 6.2% Social Security tax on all their income, not just earnings below the annual limit.</p><p>Right now, some wealthy taxpayers in the U.S. reach the wage limit quickly. For instance, someone earning $2 million a year would surpass the 2025 wage base of $176,100 in less than five traditional work days.</p><p>After that point, they no longer pay Social Security tax for the rest of the year, while middle-income workers continue contributing on every paycheck.</p><ul><li>Supporters contend that eliminating the cap would inject new revenue into the Social Security trust fund and make the tax system fairer by ensuring everyone contributes the same share of their pay.</li><li>Some say scrapping the cap would also bring Social Security taxation in line with the Medicare tax, which has no earnings limit.</li><li>But opponents argue that lifting the limit would amount to a tax increase on upper-income workers and small business owners.</li></ul><p>Additionally, some point out that while high-income individuals might pay <em>more</em> in taxes, the current <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/604321/taxes-on-social-security-benefits">Social Security benefit calculation</a> formula could result in them eventually receiving higher benefits in retirement. (That could further strain the system.)</p><p>For now, the limit remains in place, but continues to rise each year. So, if you're a high earner, plan accordingly or consult a tax professional to see how this shift might impact your bottom line.</p><h3 class="article-body__section" id="section-related"><span>Related</span></h3><ul><li><a href="https://www.kiplinger.com/taxes/social-security-tax-wage-base-jumps">Social Security Tax Limit 2025: What to Know</a></li><li><a href="https://www.kiplinger.com/taxes/medicare-tax">Medicare Tax: Who Pays and How Much?</a></li><li><a href="https://www.kiplinger.com/taxes/new-tax-rules-income-the-irs-wont-touch">Types of Income the IRS Won't Touch</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/taxes/social-security-tax-wage-base-increase</link> <description> <![CDATA[ The Social Security Administration has announced significant changes affecting millions as we approach a new year. ]]> </description> <guid isPermaLink="false">veU2NjVvThzPoNxtjaT9Fk</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/L7e6dUj7HxiRwmJtBeRKUC-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 14:07:00 +0000</pubDate> <category><![CDATA[Taxes]]></category> <category><![CDATA[Social Security]]></category> <category><![CDATA[Income Tax]]></category> <category><![CDATA[Taxable Income]]></category> <category><![CDATA[Retirement]]></category> <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/L7e6dUj7HxiRwmJtBeRKUC-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[block numbers 2026 with the word loading underneath]]></media:text> <media:title type="plain"><![CDATA[block numbers 2026 with the word loading underneath]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/L7e6dUj7HxiRwmJtBeRKUC-1280-80.jpg" /> </item> <item> <title><![CDATA[ Quiz: How Well Do You Understand the Social Security Earnings Test? ]]></title> <dc:content><![CDATA[ <p>Planning your retirement finances often means navigating complex rules, especially if you intend to keep working while collecting benefits early. The Social Security <a data-analytics-id="inline-link" href="https://www.ssa.gov/oact/cola/rtea.html" target="_blank">Retirement Earnings Test</a> (RET) is a crucial rule that can temporarily reduce your benefits if you are under your Full Retirement Age (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/603439/whats-my-social-security-full-retirement-age">FRA</a>) and earn over a certain limit.</p><p>This quick, 10-question quiz covers the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/social-security/602606/social-security-earnings-tests-4-things-you-must-know">essential basics of the earnings test</a>, including who the test applies to, how benefits are affected by different income levels, and the all-important fact that any reduced benefits are not lost forever. Test your knowledge to ensure you understand this key component of your retirement strategy!</p><p>And don't worry if you miss an answer; you can follow the links below the quiz to brush up on your knowledge.</p><div style="min-height: 250px;"> <div class="kwizly-quiz kwizly-XmkAaW"></div> </div> <script src="https://kwizly.com/embed/XmkAaW.js" async></script><h3 class="article-body__section" id="section-more-on-social-security-from-the-kiplinger-team"><span>More on Social Security, from the Kiplinger team:</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/social-security/social-security-cola-2026">2026 Social Security COLA is 2.8%: What You Need to Know</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/changes-coming-to-social-security-in-2026">Six Changes Coming to Social Security in 2026</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/602606/social-security-earnings-tests-4-things-you-must-know">Social Security Earnings Tests: Five Things You Must Know</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/601708/social-security-basics-12-things-you-must-know-about-claiming-and">Social Security Basics: Things You Must Know About Claiming and Maximizing Your Social Security Benefits</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/603439/whats-my-social-security-full-retirement-age">What's My Social Security Full Retirement Age (FRA)?</a></li><li><a href="https://www.kiplinger.com/article/retirement/t051-c001-s003-boost-social-security-benefit-when-you-delay.html">Delay Social Security Benefits — Even by a Month — to Boost Your Check</a></li><li><a href="https://www.kiplinger.com/when-to-apply-for-social-security">When To Take Social Security Payments: Your Age Matters</a></li><li><a href="https://www.kiplinger.com/retirement/social-security/reasons-to-take-social-security-early">Reasons to Take Social Security Early</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/puzzles/quizzes/quiz-how-well-do-you-understand-the-social-security-earnings-test</link> <description> <![CDATA[ Test your basic knowledge of the Social Security earnings test in our quick quiz. ]]> </description> <guid isPermaLink="false">ofUtJLGuzdFH25zv6u33kX</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/t2NdC5axfKokgpSNzcsXTa-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 13:15:00 +0000</pubDate> <category><![CDATA[Quizzes]]></category> <category><![CDATA[Retirement Planning]]></category> <category><![CDATA[Social Security]]></category> <category><![CDATA[Puzzles]]></category> <category><![CDATA[Retirement]]></category> <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/t2NdC5axfKokgpSNzcsXTa-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[three multi-colored question marks in speech bubbles against a bright orange background]]></media:text> <media:title type="plain"><![CDATA[three multi-colored question marks in speech bubbles against a bright orange background]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/t2NdC5axfKokgpSNzcsXTa-1280-80.jpg" /> </item> <item> <title><![CDATA[ The 'Go Live Your Life' Rule of Retirement Spending ]]></title> <dc:content><![CDATA[ <p>The stock market is booming, outperforming your projections for the year, so go crazy and spend the extra returns in your <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-plans/checklist-for-retirement-planning">retirement</a> account, or ...</p><p>The markets are doing worse than you planned for this year. Whoa, rein in that spending.</p><p>So goes the idea behind the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/can-the-guardrails-approach-protect-your-retirement-investments">"guardrails rule"</a> of retirement spending. Unlike the <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/the-4-rule-gets-a-closer-look">4% rule</a>, in which you spend a fixed amount each year, adjusted for inflation, this approach is more dynamic.</p><p>“The guardrails rule is best for retirees who want a flexible spending plan, not a rigid withdrawal rate like the 4% rule, and who are willing to make modest adjustments to preserve long-term confidence,” says Nancy Gates, lead educator and financial coach at <a data-analytics-id="inline-link" href="https://www.boldin.com/" target="_blank">Boldin</a>.</p><p>The rule helps people to "go live their lives" a little more in retirement and slows them down when they're overdoing it.</p><p>You don’t want to run out of money during your golden years because you're having too much fun. You also don't want to outlive your money because you're <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/are-you-a-retirement-millionaire-too-scared-to-spend">being too frugal</a>. This method can help prevent either scenario from happening.</p><h2 id="is-the-guardrails-approach-right-for-you-2">Is the guardrails approach right for you?</h2><p>Developed by financial planner <a data-analytics-id="inline-link" href="https://www.linkedin.com/in/jonathan-guyton-cfp%C2%AE-aa23356/" target="_blank">Jonathan Guyton</a> and computer expert<a data-analytics-id="inline-link" href="https://www.linkedin.com/in/william-klinger-6ba205a6/" target="_blank"> William Klinger</a>, the <a data-analytics-id="inline-link" href="https://www.financialplanningassociation.org/sites/default/files/2020-10/OCT16%20Klinger.pdf" target="_blank" rel="nofollow">guardrails approach</a> (PDF) to <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/600895/retirement-savings-calculator">retirement spending</a> is flexible and dynamic, tying your annual withdrawals to the performance of your investments. This means you must be willing to adjust your lifestyle, potentially every year, based on market results.</p><p>“It's good for people with a lot of discretionary spending, where they go maybe on a lot of trips,” said <a data-analytics-id="inline-link" href="https://thewealthalliance.com/firm/" target="_blank">Eric Diton</a>, president and managing director of The Wealth Alliance. “They can say, hey, it's a bear market, and I have to cut back. That’s easy, we won’t go on an extra trip.”</p><p>The guardrails approach to spending may be right for you if:</p><ul><li>Most of your retirement income comes from investments rather than pensions or guaranteed income.</li><li>You have discretionary expenses that you can easily cut off or delay, such as travel, leisure activities, gifts, and/or luxury items.</li><li>You're comfortable adjusting your lifestyle if the markets dip and won’t feel guilty spending if it rises.</li><li>You want to track your plan regularly.</li></ul><h2 id="how-the-guardrails-rule-works-2">How the guardrails rule works </h2><p>With this strategy, you set "guardrails" 20% above and below your intended withdrawal rate, adjusting your spending based on the performance of your investment account.</p><p>As an example, an intended withdrawal rate of 5% has an upper guardrail of 6% and a lower one of 4%. If a market downturn hits your savings, your withdrawal rate might exceed the planned 5% and hit the upper guardrail at 6%. At this point, you would decrease your spending.</p><p>On the flip side, a market rally could cause your rate to fall to the lower guardrail at 4%, allowing you to increase your annual spending.</p><p>Think of it like this: Cut spending if the withdrawal rate rises and hits 6%, or increase spending if the withdrawal rate falls and hits 4%.</p><p>In another variation, Gates said you can set guardrails based on the chance of success for your retirement portfolio. For example, adjust spending when your chance of success exceeds 90% or falls under 70%, she said.</p><p>This will require a <a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/retirement-planning/how-to-find-a-financial-adviser-for-retirement-planning">financial adviser </a>who will have to run complex <a data-analytics-id="inline-link" href="https://www.investopedia.com/terms/m/montecarlosimulation.asp" target="_blank">Monte Carlo simulations</a> to determine the spending rates.</p><h2 id="when-should-you-do-it-2">When should you do it?</h2><p>Whichever variation of the guardrails approach you choose, your spending level is typically set annually, taking into account market performance and comparing it with your spending target, said Gates.</p><p>A general rule when using this method: Refrain from trying to apply this process monthly or even bimonthly or more than annually.</p><p>“Reacting to month-to-month market swings can lead to overcorrections, so annual adjustments help keep spending aligned with long-term trends,” said Gates.</p><h2 id="what-could-go-wrong-2">What could go wrong?</h2><p>There’s a reason the guardrails method isn’t for everyone. It requires regular portfolio tracking, making spending adjustments and yes, following rules.</p><p>The latter can be a hard pill to swallow, even if you set out to do exactly that. Diton has learned that over his 40 years in the industry, people prefer stability. “It's great on paper, but … it's not real life for many people. They want to live life and spend a fairly constant amount,” he said.</p><p>The guardrails approach is effective when followed correctly, but even rule followers can sabotage the method.</p><p>If you manage your investments alone, key risks include making adjustments too quickly, ignoring alerts to cut spending or delaying cuts when the market drops — any of which could deplete your portfolio.</p><p>With this and any retirement withdrawal approach, it's best to seek the help of a trusted financial adviser.</p><h2 id="a-guide-not-a-guarantee-2">A guide, not a guarantee</h2><p>As with any drawdown strategy, the guardrails approach is purposely flexible. It should be used as a guide, not a hard and fast rule that can’t change based on circumstances.</p><p>You might not want to spend extra money in a year when the markets are booming, or you might have no choice but to spend more in a bear market, and that’s OK. For the long haul, the approach shouldn't have a significant impact on the longevity of your retirement nest egg.</p><p>“It's important to have guardrails,” said <a data-analytics-id="inline-link" href="https://exencialwealth.com/our-team" target="_blank"><u>Derrick Longo</u></a>, a wealth adviser at Exencial Wealth Advisors. “But when the rubber hits the road, you don’t want to not live your life because of a guardrail.”</p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/the-me-first-rule-of-retirement-spending">The 'Me-First' Rule of Retirement Spending</a></li><li><a href="https://www.kiplinger.com/retirement/the-retirement-bucket-rule-your-guide-to-fear-free-spending">The Retirement Bucket Rule: Your Guide to Fear-Free Spending</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/permission-to-spend-rules-of-retirement-spending">The 'Permission to Spend' Rules of Retirement Spending</a></li><li><a href="https://www.kiplinger.com/retirement/retirement-planning/the-die-with-zero-rule-of-retirement">The 'Die With Zero' Rule of Retirement</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/retirement/the-go-live-your-life-rule-of-retirement-spending</link> <description> <![CDATA[ The 'guardrails approach' to retirement spending signals when you can spend more and when you need to rein it in, giving you greater flexibility in your post-work life. ]]> </description> <guid isPermaLink="false">Qw7Fyvw3Y36bphYDqBs9hn</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/UkjAfkmKTEXAQmH54jCGie-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 10:15:00 +0000</pubDate> <category><![CDATA[Retirement]]></category> <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author> <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/UkjAfkmKTEXAQmH54jCGie-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[Older couple drinking wine ]]></media:text> <media:title type="plain"><![CDATA[Older couple drinking wine ]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/UkjAfkmKTEXAQmH54jCGie-1280-80.jpg" /> </item> <item> <title><![CDATA[ Targa Resources, Take-Two Interactive, Boston Scientific: Why Experts Rate These Stocks at Strong Buy ]]></title> <dc:content><![CDATA[ <p>Stocks are trading at record levels and valuations are stretched. While that by no means suggests the bull market has to end soon, it does make it harder to find names that industry analysts rate as bang-the-table buys.</p><p>True, the S&P 500 is pricey by a slew of metrics — but that's partly due to its <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-is-market-cap">market-cap</a>-weighted construction. The <a data-analytics-id="inline-link" href="https://www.kiplinger.com/investing/stocks/what-are-the-magnificent-7-stocks">Magnificent 7</a> stocks driving much of the bull run have a collective weighting of more than 30% in the benchmark index.</p><p>However, look at the equal-weight version of the index, in which every component accounts for 2%, and you'll see a more attractive picture.</p><div class="jwplayer__widthsetter"> <div class="jwplayer__wrapper"> <div id="futr_botr_TZ5u6hI1_a7GJFMMh_div" class="future__jwplayer" data-player-id="a7GJFMMh" data-playlist-id="TZ5u6hI1"> <div id="botr_TZ5u6hI1_a7GJFMMh_div"></div> </div> </div></div><p>While the S&P 500 gained nearly 40% since its early April bottom — and trades at more than 23 times forward earnings — the equal-weight S&P 500 is up a more modest 25% in the same span. As such, it trades at less than 18 times forward earnings.</p><p>That's not bad.</p><p>As the cliche goes: It's not a stock market; it's a market of stocks.</p><p>Meanwhile, third-quarter earnings season is underway, and the outlook for corporate profits, revenue and guidance is bright.</p><p>"Both the percentage of S&P 500 companies reporting positive earnings surprises and the magnitude of earnings surprises are above their 10-year averages," writes <a data-analytics-id="inline-link" href="https://insight.factset.com/author/john-butters" target="_blank"><u>John Butters</u></a>, senior earnings analyst at FactSet. "In addition, S&P 500 companies are reporting impressive numbers for revenues relative to analyst expectations and year-ago results."</p><p>Some of the strongest corporate profit margins since 2021 also helps explain why the market fetches its current multiple, notes DataTrek Research co-founder <a data-analytics-id="inline-link" href="https://datatrekresearch.com/about/?v=eb65bcceaa5f" target="_blank"><u>Nicholas Colas</u></a>. "It also provides a pathway to even higher valuations," he adds.</p><p>Given this supportive backdrop for equities, we decided to suss out some of Wall Street's favorite stocks to buy now — and to see what the bull cases on these names looked like.</p><h2 id="targa-resources-2">Targa Resources</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1600px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="Q2KVaS8AZ857MjyZiLboSX" name="TRGP-stock-2025" alt="TRGP" src="https://cdn.mos.cms.futurecdn.net/Q2KVaS8AZ857MjyZiLboSX.jpg" mos="" align="middle" fullscreen="" width="1600" height="900" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Targa Resources)</span></figcaption></figure><p><strong>Targa Resources</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=TRGP" target="_blank">TRGP</a>) is a top way to play a rebound in the midstream sector of the oil and gas industry. Analysts like the way it operates in nearly every segment of its industry and adore its geographic diversity.</p><p>When it comes to gathering, processing, transporting and storing natural gas and natural gas liquids (NGLs) in places such as the Anadarko and Permian Basins, analysts say Targa "overshadows" other energy companies.</p><p>"Expected completion of projects in the Permian and Delaware position Targa for further growth," writes Argus Research analyst <a data-analytics-id="inline-link" href="https://www.argusresearch.com/AboutUs/OurPeople.aspx" target="_blank"><u>John Staszak</u></a>, who rates shares at Buy.</p><p>With shares down about 12% for the year to date, they look like a bargain. Analysts' average price target of $206.15 gives TRGP implied upside of about 33% in the next 12 months.</p><p>No wonder Argus has so much company in its bullish call. Of the 22 analysts covering TRGP surveyed by <a data-analytics-id="inline-link" href="https://www.spglobal.com/market-intelligence/en" target="_blank"><u>S&P Global Market Intelligence</u></a>, 16 call it a Strong Buy, five say Buy, and one has it at Hold. That works out to a consensus recommendation of Strong Buy.</p><h2 id="take-two-interactive-software-2">Take-Two Interactive Software</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="rZo2kq4C4zfYEqEt922K2a" name="ttwo-stock-GettyImages-2192884531" alt="The Take-Two Interactive (T2) logo is seen displayed on a smartphone screen next to a laptop keyboard." src="https://cdn.mos.cms.futurecdn.net/rZo2kq4C4zfYEqEt922K2a.jpg" mos="" align="middle" fullscreen="" width="1024" height="683" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Thomas Fuller/SOPA Images/LightRocket via Getty Images)</span></figcaption></figure><p>Video-game publisher <strong>Take-Two Interactive Software</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=TTWO" target="_blank">TTWO</a>) owns some of the strongest franchises in the massive industry. From Rockstar Games' Grand Theft Auto (GTA) series to NBA 2K from 2K Games, the company doesn't lack for lucrative hits.</p><p>Shares are up nearly 40% so far this year, but analysts say they have more room to run. All eyes are on the May 2026 release of Grand Theft Auto VI, which should be a major catalyst.</p><p>As important as GTA is to the company's fortunes, it's hardly a one-trick pony. TTWO releases a new edition of its NBA 2K game annually, while major franchises such as Red Dead Redemption, Borderlands and Civilization have historically helped it report beat-and-raise quarters.</p><p>That said, investors need to have confidence in the enduring popularity of GTA before they take the plunge into TTWO stock.</p><p>"Take-Two's prospects will always be more speculative than we'd prefer, as we think that it will always be dependent on developing the next massive hit," Morningstar notes.</p><p>Of the 27 analysts covering TTWO, 21 call it a Strong Buy, three have it at Buy, two rate it at Hold, and one has it at Strong Sell. That works out to a consensus recommendation of Strong Buy.</p><h2 id="boston-scientific-2">Boston Scientific</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1024px;"><p class="vanilla-image-block" style="padding-top:66.70%;"><img id="zrhvPyydbn9rMVySjKhTNA" name="boston-scientific-GettyImages-2184975083" alt="The entrance to the Boston Scientific campus." src="https://cdn.mos.cms.futurecdn.net/zrhvPyydbn9rMVySjKhTNA.jpg" mos="" align="middle" fullscreen="" width="1024" height="683" attribution="" endorsement="" class=""></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Photo by Lane Turner/The Boston Globe via Getty Images)</span></figcaption></figure><p>If you've ever undergone a minimally invasive medical procedure, chances are you've used something made by <strong>Boston Scientific</strong> (<a data-analytics-id="inline-link" href="https://www.kiplinger.com/tfn/ticker.html?ticker=BSX" target="_blank">BSX</a>). From stents and catheters to pacemakers and implantable defibrillators, BSX is critical to modern medicine.</p><p>Analysts say the company's strong pipeline, new product launches and additional acquisitions should continue to support revenue growth and margin expansion.</p><p>"BSX has a steady cadence of new product flow across its portfolio and is delivering above-industry growth, with particular outperformance over the past year-plus," notes Oppenheimer analyst <a data-analytics-id="inline-link" href="https://www.oppenheimer.com/corporations-institutions/equities/healthcare" target="_blank"><u>Suraj Kalia</u></a>, who rates shares at Outperform (the equivalent of Buy). "BSX is adding to the portfolio through tuck-in M&A and has several product tailwinds."</p><p>Shares are lagging the broader market by about 3 percentage points so far this year, but that just has them primed for outperformance, bulls say. Analysts' average price target of $126.14 gives BSX implied upside of about 25% in the next 12 months.</p><p>Of the 34 analysts covering BSX, 25 rate it at Strong Buy, seven say Buy, and two call it a Hold. That works out to a consensus recommendation of Strong Buy, and with high conviction to boot.</p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/investing/best-blue-chip-dividend-stocks-to-buy">Best Blue Chip Dividend Stocks to Buy for 2026 and Beyond</a></li><li><a href="https://www.kiplinger.com/investing/stocks/blue-chip-stocks/602319/all-30-dow-jones-stocks-ranked-the-pros-weigh-in">All 30 Dow Jones Stocks Ranked: Buy, Sell or Hold?</a></li><li><a href="https://www.kiplinger.com/investing/stocks/stocks-that-could-rally">30 Stocks That Could Rally 30% or More</a></li></ul> ]]></dc:content> <link>https://www.kiplinger.com/investing/stocks/trgp-ttwo-bsx-why-experts-rate-these-stocks-at-strong-buy</link> <description> <![CDATA[ Wall Street is highly bullish on these three high-quality stocks. ]]> </description> <guid isPermaLink="false">MEYENpcJGPrABw2xBMzgZc</guid> <enclosure url="https://cdn.mos.cms.futurecdn.net/6Uzw8A4gMn4FkSDLsSMzL7-1280-80.jpg" type="image/jpeg" length="0"></enclosure> <pubDate>Tue, 28 Oct 2025 10:03:00 +0000</pubDate> <category><![CDATA[Stocks]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Stocks-to-buy]]></category> <category><![CDATA[Energy Stocks]]></category> <category><![CDATA[Tech Stocks]]></category> <category><![CDATA[Healthcare Stocks]]></category> <author><![CDATA[ dan.burrows@futurenet.com (Dan Burrows) ]]></author> <dc:creator><![CDATA[ Dan Burrows ]]></dc:creator> <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6Uzw8A4gMn4FkSDLsSMzL7-1280-80.jpg"> <media:credit><![CDATA[Getty Images]]></media:credit> <media:text><![CDATA[stocks up bull market]]></media:text> <media:title type="plain"><![CDATA[stocks up bull market]]></media:title> </media:content> <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/6Uzw8A4gMn4FkSDLsSMzL7-1280-80.jpg" /> </item> </channel></rss>If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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