James Cook+FollowIs Social Security Your Only Retirement Plan?Quick coffee break tip: Don’t bank on Social Security as your main retirement safety net. Top retirement experts say the system’s running on fumes, and even Congress can’t agree on a fix. The real-life impact? More folks are hitting their golden years with not enough savings and higher bills. The lifehack: Start building your own backup—think extra savings, side hustles, or a portable retirement account. The sooner you start, the less you’ll stress later! #Business #MakeMoney #RetirementHacks10Share
nkent+FollowHow Dividends Can Shrink Your Social SecurityEver thought living off your investments in retirement was the dream? Turns out, if you’re raking in $40k a year from dividend funds like SCHD and VYM, you could accidentally trigger a tax booby trap: up to 85% of your Social Security gets taxed! The more you make, the more Uncle Sam wants. Before you go all-in on high-yield ETFs, run the numbers—sometimes less (taxable income) really is more. #Business #MakeMoney #RetirementHacks00Share
James Cook+FollowHow a $3,000 Pension Flips Retirement MathImagine having $3,000 land in your account every month, no matter what the market does. That’s the new retirement power move for 2026. With that steady cash, retirees are less stressed about their savings running out and can actually take more chances with the rest of their investments—think more stocks, less worrying about bonds. Plus, Social Security is getting a small bump, so your basics are covered and your portfolio can focus on growing for the long haul. Inflation? Time to look beyond just bonds! #Business #MakeMoney #RetirementHacks20Share
Joseph Livingston+FollowHow to Make Your Retirement Pay You MonthlyHere’s the scoop: Social Security alone probably won’t cover your dream retirement. With groceries and healthcare eating up more of your budget, you’ll want extra cash coming in. That’s where high-yield ETFs come in—they’re like setting up your own monthly paycheck. By picking a few solid, dividend-paying funds, you can turn your savings into steady income and worry less about running out of money. No need to become a stock market pro—just let the ETFs do the heavy lifting! #Business #MakeMoney #RetirementHacks00Share
cody79+FollowHow a Roth Move Can Spike Your Medicare BillThinking about converting your IRA to a Roth for that sweet tax-free retirement? Heads up: doing it wrong could mean your Medicare premiums jump by thousands a year. The catch? Medicare looks at your income (MAGI), and a big Roth conversion can push you over the line, triggering a surprise bill. Pro tip: keep conversions just under the Medicare threshold for a smoother ride. It’s not just about taxes—watch your monthly cash flow! #Business #MakeMoney #retirementhacks01Share
cody79+FollowDon’t Let Social Security Shortchange YouThinking about claiming Social Security? Here’s a coffee break tip: a lot of retirees rush to grab their benefits early, but that can mean smaller checks for life. Double-check your work history for errors, and remember, waiting until age 70 can boost your monthly payout. Social Security isn’t a full paycheck replacement, so don’t bank on it covering everything. Take a pause, run the numbers, and avoid these common slip-ups to make your retirement money go further! #Business #MakeMoney #RetirementHacks40Share
cody79+FollowRetirement Feels Out of Reach? Here’s a FixFeeling like your retirement dreams are slipping away thanks to higher bills and market chaos? You’re not alone—nearly 40% of Americans are worried about running out of money. The good news: you can still take action. Nick Maggiulli suggests shifting some savings into short-term or local bonds to keep your nest egg steady. Focus on what you can control—like spending and smart investing—so you can actually relax about the future. #Business #MakeMoney #RetirementHacks00Share
James Cook+FollowRetiring With a Big IRA? Here’s the RMD HackSo, you’re about to retire with a $2.6 million IRA—way above average! But now you’re sweating those required withdrawals (RMDs) and the tax hit. Here’s the scoop: you can dodge some of that tax drama by moving chunks of your IRA into a Roth account over a few years, not all at once. That way, you spread out the tax pain and keep your options open for future spending, travel, or even charity. Think of it as giving your future self more ways to enjoy your money! #Business #MakeMoney #RetirementHacks20Share
Joseph Livingston+FollowHow Retirees Can Dodge Big Tax Bills in 2026Coffee break tip: If you’re nearing 73 and have a traditional retirement account, get ready for those required withdrawals (RMDs) that can bump up your taxes and Medicare costs. But here’s the hack: you can shrink those RMDs by moving money to a Roth IRA, giving to charity, or even making your younger spouse your account’s main beneficiary. It’s all about timing and strategy—think of it as stretching your retirement dollars further so you keep more cash in your pocket! #Business #MakeMoney #retirementhacks00Share
Christine Baxter+FollowRetirement Money Traps You Can DodgeHere’s a coffee break tip: Retirees often lose cash by skipping senior discounts, holding onto big houses, or helping out adult kids a little too much. The market shift? More companies offer deals for seniors, but you have to ask! Want to stretch your savings? Downsize your home, check for discounts everywhere (even car washes!), and set a budget for gifts and donations. Treat your nest egg like your favorite coffee—don’t let it leak! #Business #MakeMoney #RetirementHacks00Share
