Trina Paul

Key Takeaways Gen X expects to fall more than $400,000 short of what they think they’ll need for a comfortable retirement. This gap stems from the shift away from pensions toward 401(k)s, which left Gen X without many of the automatic 401(k) features youn... See more

Key Takeaways Morningstar’s new analysis suggests a 3.9% starting withdrawal rate gives retirees a high probability of not running out of money during a 30-year retirement. Delaying Social Security until age 70 can meaningfully boost lifetime retirement i... See more

Key Takeaways The end of enhanced ACA premium tax credits has increased premiums for many people whose incomes fall above the so-called "subsidy cliff." Earning even $1 above 400% of the federal poverty level can eliminate the credit entirely. If you're p... See more

Key Takeaways Expanded eligibility rules now allow people whose disabilities began before the age of 46 to open ABLE savings accounts. ABLE accounts allow tax-free growth and withdrawals for qualified disability expenses. Contribution limits remain capped... See more

Key Takeaways The IRS has released the 2026 federal income tax brackets, which will apply to tax returns filed in 2027. Understanding your tax bracket can help you make smarter moves, such as when to do a Roth conversion and what your retirement withdrawa... See more