James Cook+FollowDon’t Let Roth Conversions Sneak Up on YouThinking about moving your 401(k) money into a Roth IRA? Before you hit that transfer button, double-check your tax bracket! If you convert too much at once, you could end up paying way more in taxes than you expected—like filling up your gas tank in a pricey state. Timing is everything: sometimes waiting until you’re in a lower tax bracket (like after you retire) can save you big bucks. Always peek at the long-term, not just this year’s bill! #MoneyHacks #RetirementReady #TaxTips #RothIRA #PersonalFinance #Finance00Share
Diane Carter+FollowHow to Make Your Nest Egg Last LongerEver worry your retirement fund might run out before you do? You’re not alone! With folks living longer, it’s easy to burn through savings if you’re not careful. Watch out for sneaky budget busters like underestimating healthcare costs or ignoring how prices creep up over time. The real money hack? Start planning early, mix up your investments, and don’t splurge too fast. Think of it like stretching your favorite coffee order—make it last! #MoneyHacks #RetirementReady #SmartSpending #PersonalFinance #Finance10Share
Marisa Pope+FollowMarket Swings Got You Sweating? Try These Safe MovesIf the stock market’s wild 1,000-point swings are making you queasy, you’re not alone—especially if you’re close to retirement. The big story: Older investors are ditching risky stocks for safer bets like Treasury bonds, CDs, and high-yield savings accounts. Think of it as swapping a rollercoaster for a lazy river. The real drama? If you’re still all-in on stocks, a sudden crash could seriously mess with your nest egg. Now’s a good time to park some cash in safer spots and sleep easier at night. #MoneyMoves #Investing101 #RetirementReady #MarketVolatility #SafeInvesting #Business60Share
Encore Hustle+Followjust learned how these retirement accounts work 😌I used to avoid anything with “401k” or “IRA” in it—felt too complicated. But it finally clicked. A 401k is offered by your job (and sometimes comes with free money via matching 🙌), while a Roth IRA is something you open on your own. The big difference? Roth = pay taxes now, withdraw tax-free later. Traditional = no taxes now, but pay later when you retire. Also found out about “vesting”—basically, you need to stay with a company for a few years to keep their match. Not financial advice, but this helped me stop feeling overwhelmed. Anyone else learning this stuff a little late? #personalfinance #retirementready #401k #rothira70Share
Kathryn Olsen+FollowAre Your Social Security Payments Safe?Heads up, retirees! 🚨 Your Social Security checks might hit a roadblock if you don't make a quick switch. The SSA is moving everyone from the old "My Social Security" to Login.gov. This step is all about boosting digital security. But if you miss the deadline, your payments could be paused! This new platform promises better security and a smoother, faster experience. Make sure you set up your account and transfer your info ASAP to keep those payments flowing! #SocialSecurity #RetirementReady #LoginGov #DigitalSecurity #StayInformed #Finance4015Share
