Topic
Most people have more places to save for retirement than money to put in them. A common framework ranks the options: capture the employer match first, then weigh high-interest debt, an emergency cushion, an HSA, an IRA and finally the rest of the 401(k). This guide explains the logic and where it bends.
Medicare usually begins at 65, so anyone who retires earlier needs a bridge. This guide compares the main options, from COBRA and an ACA Marketplace plan to a spouse's coverage, retiree plans and Medicaid, and explains how your retirement withdrawals can change what Marketplace coverage costs.
Long-term care is one of the largest and least predictable costs of retirement, and Medicare covers far less of it than most people assume. This guide explains what long-term care is, what Medicare and Medicaid actually pay for, how traditional and hybrid insurance work, and the main ways families plan for it.
A health savings account can be more than a medical spending account. Paired with a high-deductible plan, it offers deductible contributions, tax-free growth and tax-free withdrawals for medical costs. Here is how HSAs work, how they can be invested, and what to weigh during fall open enrollment.
