Key PointsA Roth conversion ladder lets early retirees access traditional retirement funds before age 59½ without the 10% early withdrawal penalty, but each conversion requires a separate…

In an ideal world you’d be able to work full time, have a full class load, maintain some sort of social life and balance it all perfectly.…

Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. March 18,…

Key PointsStudent loan debt has reached $1.8 trillion across 42 million borrowers, and a Fidelity study finds that borrowers over 50 have retirement balances 30% lower than…

New graduates are leaving the bubble of college behind and entering the workforce to start their careers. It’s an exciting and stressful time — and one that…

Looking to start saving and investing? What account or order of accounts should you use first? Your 401k? IRA? HSA?I’m a big fan of methods and orders…

Key PointsApproximately 7.7 million borrowers with $180 billion in federal student loans are now in default as of December 2025.More than 4 million borrowers remain 30+ days…

Key PointsThe Department of Education’s IDR application backlog fell to 576,609 as of February 28, 2026 — the lowest level reported since court-ordered tracking began.For the second…