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Dive into a collection of past posts and rediscover timeless content.

Direct vs Indirect Rollover: Why the 20% Withholding Rule Catches So Many Savers

An indirect rollover from an employer plan is withheld at 20% by law. You then have 60 days to deposit 100%, including the part you never received.

Sep 11, 2026

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3 min read

Direct vs Indirect Rollover: Why the 20% Withholding Rule Catches So Many Savers

How the 2027 Social Security COLA Is Actually Calculated, and What It Adds to Your Check

The raise comes from CPI-W over July, August and September, not the headline figure. July closed at 3.4% and the second reading lands tomorrow.

Sep 10, 2026

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3 min read

How the 2027 Social Security COLA Is Actually Calculated, and What It Adds to Your Check

Gas at $4.15 a Gallon: How to Work Out What Oil Prices Cost Your Household

Brent crude passed $100 for the first time since July. Here is the arithmetic on your own miles per gallon, and the one lever you control.

Sep 9, 2026

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2 min read

Gas at $4.15 a Gallon: How to Work Out What Oil Prices Cost Your Household

Bond Fund Duration Explained: What 5.8 Years Costs You When Yields Rise

The 10-year Treasury closed Friday at 4.79% and the 30-year at 5.25%. Here is what duration does to the safe sleeve of a 401(k).

Sep 8, 2026

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3 min read

Bond Fund Duration Explained: What 5.8 Years Costs You When Yields Rise

Brokerage Cash Sweep at 0.01%: What Idle Cash Costs You in a Year

Schwab moves brokerage cash off FDIC insurance from September 8. The posted yield stays at 0.01% while a government money fund pays 3.33%.

Sep 7, 2026

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4 min read

Brokerage Cash Sweep at 0.01%: What Idle Cash Costs You in a Year
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