When to Claim Social Security: The Basic Trade-off
Claiming at 62 gets you smaller checks for longer. Waiting until 70 gets you bigger checks for fewer years. Here’s how to think about the break-even point.
Retirement & Taxes
Tax-Loss Harvesting and the Wash-Sale Rule
Selling an investment at a loss can lower your tax bill, as long as you don’t break the 30-day wash-sale rule. Here is how it works in practice.
Roth IRA vs. Traditional IRA: How to Pick One
The real question is when you’d rather pay the tax: now or in retirement. Here is how to answer it, with the 2026 IRS limits.
The HSA as a Retirement Account
A health savings account can get a tax break going in, while it grows, and coming out. Here’s why some people never spend it, plus the 2026 limits.
Getting the Full 401(k) Match, and What Vesting Means
A worked example of a common 401(k) match formula, how front-loading can cost you money, and how vesting schedules decide what you keep.