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Yahoo
3 days ago
- Business
- Yahoo
Here are the facts on 5 damaging Social Security myths that can ruin your retirement
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. The ins and outs of Social Security benefits can seem as complicated as they are crucial to Americans' financial comfort — or even survival — in retirement. Personal finance experts like Suze Orman will tell you that your comfort in retirement hinges on what you can put away out of your paycheck using tools like a 401(k) or an IRA. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how She put it plainly in an interview with Moneywise when she talked about the plight of the Social Security program and the dangers of not saving and investing for retirement. 'How are you going to pay for those exact same bills later on in life, when you no longer have a paycheck coming in?' For many, the answer is their eventual Social Security benefits, a program you pay into out of those paychecks. But common misconceptions about those benefits can lead to significant, long-term financial hurdles that can tarnish your golden years. You can maximize your benefits and gain more security in retirement if you sidestep these five common Social Security myths. 1. Social Security benefits are not taxed Don't assume you'll get to keep all of your Social Security check. In all likelihood, you'll pay taxes based on your "combined income," which the SSA defines as 50% of your Social Security benefit, plus any other earned income. Suze Orman warns that 40% of Social Security beneficiaries pay taxes on their benefits, so there's a good chance you'll get hit with what she calls the "tax torpedo". If your combined income on your federal tax return is: between $25,000 and $34,000 as an individual or between $32,000 and $44,000 if you file jointly with your spouse, you can expect to pay taxes on 50% of your benefits. more than $34,000 as an individual and $44,000 for joint filers, you could pay taxes on up to 85% of your benefits. People who are married and file separately may also have to pay taxes on Social Security, regardless of income level. Sounds complicated? Consulting a financial advisor can help you maximize your social security benefits as well as ease your tax burden. With you can find the best advisor for your needs — both in terms of what they can offer your finances, and what they'll charge to work for you. is a free service that helps you find a financial advisor who can co-create a plan to reach your financial goals. By matching you with a curated list of the best options for you from their database of thousands, you get a pre-screened financial advisor you can trust. You can then set up a free, no obligation consultation to see if they're the right fit for you. 2. There's no way to calculate how much you qualify for It's true you can't predict your exact Social Security benefit far in advance. That's because the amount depends on variables that can change leading up to retirement, including your income, new government rules and the program's status and fund reserves at the time you start collecting. For instance, the average monthly benefit for retired individuals amounted to $1,978.77 in Jan. 2025. 3. Your Social Security benefit is set in stone You probably have more control over your social Security benefit than you think — even if you're retired already. Here are a few ways you could increase the amount you're eligible to receive: Retire later: You can start drawing retirement benefits between age 62 and 70 and the longer you wait, the higher your benefit will be. Increase your pre-retirement income: Your benefit is based on 35 of your highest-earning years. So if you increase your income before retiring, your SS benefit can increase too. Check your records: Your benefit amount could be reduced if the SSA has incorrect records of your income. If you find an error in your Social Security statement, request a correction at or call 1-800-772-1213. Look into family benefits: Check to see if you qualify for additional benefits based on a family member's work, including benefits earned by a former spouse. Read more: Rich, young Americans are ditching the stormy stock market — 4. Social Security will replace your paycheck Even though experts like Suze Orman and Dave Ramsey constantly tell their viewers otherwise, many people believe Social Security alone will sustain them in retirement — but the benefit is only meant to supplement it. This is why starting the process of planning for retirement with investments and savings as early as you can is so important if you hope to keep up your lifestyle. You may not know that you can invest your retirement savings in commodities through your IRA, and that many investors are attracted by gold's stability as an investment relative to the stock market. For example, while the market crashed in 2008, gold prices rose, cushioning the portfolios of investors who were savvy enough to diversify. One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold. Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties. To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases. To keep as much money in your retirement savings as possible, even after you begin drawing on your nest egg, consider using an investment app like Wealthfront. With Wealthfront's automated investing platform, the power of compound interest works for you. Their sophisticated "set it and forget it" approach means your money is professionally managed and automatically rebalanced, allowing your wealth to grow steadily over time. Start investing for the long term with globally diversified portfolios or go for a higher yield than a traditional savings account with an automated bond portfolio. Open your account today and receive a $50 bonus to jumpstart your investment journey. Whether you're saving for retirement, a home, or building generational wealth, Wealthfront's low-cost, automated investment strategy can help you achieve your financial goals. 5. You can collect your dead spouse's benefits and your own at the same time Don't count on receiving a double payment if your spouse passes before you. If you're entitled to both a retirement benefit and the survivors benefit, you'll receive only one — the larger — of the two amounts. If the surviving spouse is at full retirement age or older, they can receive 100% of the deceased's benefit amount. If they're between 60 and full retirement age, they'll get between 71.5% and 99%. To offset any social security income losses when your spouse passes, consider purchasing life insurance. By opting for term life insurance through a provider like Ethos, you are helping to ensure that your family will be taken care of after you're gone. Term life insurance offers flexibility when you're seeking affordable coverage while balancing other financial responsibilities. Ethos offers an easy online process that allows you to get up to $2 million in coverage with terms ranging from 10 to 30 years. To get a free quote, all you have to do is answer a few questions about yourself. Then, you can compare coverage and choose the right policy that best suits your needs. What to read next Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here's how Car insurance in America now costs a stunning $2,329/year on average — but here's how 2 minutes can save you more than $600 in 2025 Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
The Hindu
4 days ago
- Business
- The Hindu
Ask us on Investments
Q I am a retired bank officer aged 70. I have a health insurance policy with a coverage of ₹4 lakh under a special scheme of IBA (Indian Bankers Association). The maximum coverage for family is ₹4 lakh under the scheme. Top-up to a maximum of ₹5 lakh is available. I want to have a coverage of minimum ₹20 lakh for me and my wife. Kindly advise. M. Gopinathan A The policy, which you have currently, might be a group health insurance policy designed for retired bank staff. The policy might not be customisable or might be subject to negotiations between IBA and unions. Against this backdrop, it is advisable to take a separate individual health policy, in addition to your bank policy, with a basic coverage (Sum Insured) of ₹5 lakh. If you cannot afford this additional individual base policy, you can go with your bank policy itself. But, having a individual health policy has more benefits. For a coverage of up to ₹20 lakh, you can buy a super-top up health insurance policy, with a deductible of ₹5 lakh, if you purchase an individual base policy for this amount. If you prefer to use only the bank policy, then your deductible amount for the super top-up policy must be ₹4 lakh only. There are two top-up policies available in the market viz. top-up and super top-up. Both are completely different. For a complete understanding about the difference between the two policies, you can refer to the Moneywise article titled 'Top-up vs. super top-up' dated March 17, 2025. The premium cost for the super-top up health insurance policy is costly when compared with the top-up policy. Still, for your age, it is advisable to buy the super top-up policy to avail maximum benefits. Most health insurance companies offer both the policies, but you need to be careful to check whether you are really buying the super top-up policy. You can also buy an individual health insurance base policy with the Sum Insured of ₹20 lakh but that is highly expensive, and we would not suggest it. Q I am 73 years old. I want to sell my 4-cent land purchased in 2007. What will be my tax liability under the Income Tax Act. Sivanandan A In the Union Budget 2024-2025, presented on July 23, 2024, Union Finance Minister Nirmala Sitharaman said long-term capital gains on all financial- and non-financial assets will attract a tax rate of 12.5%. However, in her Budget speech, she did not explicitly mention that the reduced 12.5% (from the earlier 20%) tax rate on LTCGs is without the indexation benefit. Later, on August 7, 2024, the Finance Bill 2024 was passed in the Lok Sabha with an amendment that gave a relaxation to the new capital gains tax on real estate. The amendment was introduced after widespread criticism from various corners, including Opposition parties and tax professionals. As per the amendment, individuals or Hindu Undivided Families (HUFs) who purchased houses or other immovable property before July 23, 2024, have two options regarding the treatment of long-term capital gains and they can choose any one option that is suitable for them. First option is they can choose to pay straight 12.5% tax on the capital gains without claiming the indexation benefit. Or the second option is that they can choose to pay 20% tax on capital gains, after claiming the indexation benefit. Further, according to the Income Tax Act and as per the Union Budget 2024-25, if you have owned an immovable property (land) for more than two years (24 months), then it is considered a long-term asset. In your case, you have purchased the land in 2007 and therefore, if you earn capital gains by selling the land, it will be considered Long Term Capital Gain (LTCG). Since you have purchased before the July 23, 2024 window, you can choose any one of the tax rates – 12.5% on capital gains without indexation or 20% on capital gains with indexation benefit. The choice is yours. (The writer is an NISM & CRISIL-certified wealth manager)
Yahoo
6 days ago
- Business
- Yahoo
Thousands of retirees may see Social Security checks docked by 15% if Trump admin resumes collections
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. For millions of older Americans relying on Social Security to cover their bills, another financial gut punch may be on the way — and it's coming from their own student debt. The Trump administration has threatened, then revoked threats, to resume collections on federal student loans. A higher education expert, Mark Kantrowitz, told CNBC that if the administration proceeded with their initial plans, borrowers in default could see their Social Security benefits docked by as much as 15%. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how There are approximately 452,000 borrowers aged 62 or older with defaulted loans, some of whom are likely receiving Social Security benefits, according to a report from the Consumer Financial Protection Bureau. Why your benefits could be garnished The government has long had the power to garnish, or claw back, a portion of Social Security benefits to repay defaulted federal student loans. But those collections were paused during the COVID-19 pandemic, and remained paused under the Biden administration. Now, the Trump administration has threatened to resume collections. In May, the Department of Education announced it would soon resume involuntary collections, only to walk back the decision in June, when department spokeswoman Ellen Keast told CBS News it had 'put a pause on any future Social Security offsets.' It remains to be seen whether that pause will be indefinite. What you need to know about the Social Security offset If you're in default on loans, the federal government could theoretically withhold up to 15% of your monthly Social Security benefit without your permission. But that would be the worst case scenario, and at least part of your benefits would remain. Federal law protects the first $750 per month of Social Security income from garnishment. But for seniors already scraping by, even a small deduction can have a devastating impact. Of the 1.3 million Social Security beneficiaries with student loans, about 37% rely on an average monthly benefit payment of $1,523 for 90% of their income, according to the same Consumer Financial Protection Bureau report. Regardless of whether the administration ultimately goes ahead with its collections, the threat should serve as a crucial wake-up call for anyone struggling with debt repayment. Read more: Rich, young Americans are ditching the stormy stock market — How else to fight back, or at least prepare If you're in default or nearing default, there are steps you can take now to reduce the risk of garnishment. First, you may be able to ask for a hearing or file a request to stop or reduce the offset. If you're facing medical issues, supporting dependents or already living below the poverty line, you can submit documentation proving financial hardship to the Treasury Department or its debt collection agency. Second, you may be able to reenter good standing through loan rehabilitation or consolidation. Loan rehabilitation typically requires nine monthly payments, and the process can take several months. Both processes can stop wage or benefit garnishments. Credible can help with loan consolidation by letting you shop around for lower interest rates with just a few clicks of your mouse. In just two minutes you can compare and contrast lenders willing to consolidate your loans into one easy-to-manage payment. Even if you're just curious about your options, checking rates on Credible could be a good idea. It won't hurt your credit score, it's totally free and it could save you a bundle. Other options for retirement If you're still working and planning to retire soon, retiring while in student loan default might now be riskier than it once was. If your retirement income plan was built around a full Social Security check, you may need to take a two-pronged approach and rethink your savings and spending strategies. With Wealthfront's automated investing platform, the power of compound interest works for you. Their sophisticated "set it and forget it" approach means your money is professionally managed and automatically rebalanced, allowing your wealth to grow steadily over time. Start investing for the long term with globally diversified portfolios or go for a higher yield than a traditional savings account with an automated bond portfolio. Open your account today and receive a $50 bonus to jumpstart your investment journey. Whether you're saving for retirement, a home, or building generational wealth, Wealthfront's low-cost, automated investment strategy can help you achieve your financial goals. As for spending, it can pay to cut monthly expenses where you can. One of the biggest line-items over time is insurance. Like with loans, shopping around for home and auto insurance rates can also help you cut costs. With it takes just two minutes to comb through over 200 insurers for free and find the best deal for you in your area. The process can also be done entirely online. The best part? users can save an average of $482 per year. Similarly, can help you switch to a more affordable auto insurance option within minutes. After answering a few questions about yourself, your vehicle and driving history, you can compare quotes from trusted brands like Progressive, Allstate and GEICO. Depending on factors like the make and model of your car, you can find rates as low as $29 per month. What to read next Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here's how Car insurance in America now costs a stunning $2,329/year on average — but here's how 2 minutes can save you more than $600 in 2025 Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
6 days ago
- Business
- Yahoo
Thousands of retirees may see Social Security checks docked by 15% if Trump admin resumes collections
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. For millions of older Americans relying on Social Security to cover their bills, another financial gut punch may be on the way — and it's coming from their own student debt. The Trump administration has threatened, then revoked threats, to resume collections on federal student loans. A higher education expert, Mark Kantrowitz, told CNBC that if the administration proceeded with their initial plans, borrowers in default could see their Social Security benefits docked by as much as 15%. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how There are approximately 452,000 borrowers aged 62 or older with defaulted loans, some of whom are likely receiving Social Security benefits, according to a report from the Consumer Financial Protection Bureau. Why your benefits could be garnished The government has long had the power to garnish, or claw back, a portion of Social Security benefits to repay defaulted federal student loans. But those collections were paused during the COVID-19 pandemic, and remained paused under the Biden administration. Now, the Trump administration has threatened to resume collections. In May, the Department of Education announced it would soon resume involuntary collections, only to walk back the decision in June, when department spokeswoman Ellen Keast told CBS News it had 'put a pause on any future Social Security offsets.' It remains to be seen whether that pause will be indefinite. What you need to know about the Social Security offset If you're in default on loans, the federal government could theoretically withhold up to 15% of your monthly Social Security benefit without your permission. But that would be the worst case scenario, and at least part of your benefits would remain. Federal law protects the first $750 per month of Social Security income from garnishment. But for seniors already scraping by, even a small deduction can have a devastating impact. Of the 1.3 million Social Security beneficiaries with student loans, about 37% rely on an average monthly benefit payment of $1,523 for 90% of their income, according to the same Consumer Financial Protection Bureau report. Regardless of whether the administration ultimately goes ahead with its collections, the threat should serve as a crucial wake-up call for anyone struggling with debt repayment. Read more: Rich, young Americans are ditching the stormy stock market — How else to fight back, or at least prepare If you're in default or nearing default, there are steps you can take now to reduce the risk of garnishment. First, you may be able to ask for a hearing or file a request to stop or reduce the offset. If you're facing medical issues, supporting dependents or already living below the poverty line, you can submit documentation proving financial hardship to the Treasury Department or its debt collection agency. Second, you may be able to reenter good standing through loan rehabilitation or consolidation. Loan rehabilitation typically requires nine monthly payments, and the process can take several months. Both processes can stop wage or benefit garnishments. Credible can help with loan consolidation by letting you shop around for lower interest rates with just a few clicks of your mouse. In just two minutes you can compare and contrast lenders willing to consolidate your loans into one easy-to-manage payment. Even if you're just curious about your options, checking rates on Credible could be a good idea. It won't hurt your credit score, it's totally free and it could save you a bundle. Other options for retirement If you're still working and planning to retire soon, retiring while in student loan default might now be riskier than it once was. If your retirement income plan was built around a full Social Security check, you may need to take a two-pronged approach and rethink your savings and spending strategies. With Wealthfront's automated investing platform, the power of compound interest works for you. Their sophisticated "set it and forget it" approach means your money is professionally managed and automatically rebalanced, allowing your wealth to grow steadily over time. Start investing for the long term with globally diversified portfolios or go for a higher yield than a traditional savings account with an automated bond portfolio. Open your account today and receive a $50 bonus to jumpstart your investment journey. Whether you're saving for retirement, a home, or building generational wealth, Wealthfront's low-cost, automated investment strategy can help you achieve your financial goals. As for spending, it can pay to cut monthly expenses where you can. One of the biggest line-items over time is insurance. Like with loans, shopping around for home and auto insurance rates can also help you cut costs. With it takes just two minutes to comb through over 200 insurers for free and find the best deal for you in your area. The process can also be done entirely online. The best part? users can save an average of $482 per year. Similarly, can help you switch to a more affordable auto insurance option within minutes. After answering a few questions about yourself, your vehicle and driving history, you can compare quotes from trusted brands like Progressive, Allstate and GEICO. Depending on factors like the make and model of your car, you can find rates as low as $29 per month. What to read next Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here's how Car insurance in America now costs a stunning $2,329/year on average — but here's how 2 minutes can save you more than $600 in 2025 Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind.
Yahoo
19-07-2025
- Business
- Yahoo
Dave Ramsey vs. Suze Orman on the 4% rule: Who's right?
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. The 4% rule in retirement has been a widely accepted retirement standard for over 30 years. The rule states that you should draw 4% of your assets from your investments each year in retirement. This should, in theory, allow you to maintain a comfortable standard of living while continuing to let your investments appreciate in value. However, it seems this longstanding rule could be poised to fall. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how A recently retired caller to The Ramsey Show asked host and finance personality Dave Ramsey if it would be safe to go up to a 5% withdrawal rate in order to pay for trips he and his wife wanted to take in early retirement. Ramsey has said he believes that retirees can earn up to a 12% annual return from mutual funds, and will therefore be safe to withdraw more than the standard 4% per year without jeopardizing their nest egg. He calls the standard rule 'absolutely wrong' and 'ridiculous.' But another finance celeb has a very different opinion. Suze Orman has called the classic 4% rule 'very dangerous.' Orman, a fellow best-selling author and expert, also called for a tweak to the 4% rule in an interview with Moneywise — saying that retirees should only withdraw a maximum of 3% yearly if they are retiring in their 60s. Who's right? Here's what to consider. The importance of retirement accounts Ramsey's advice is based on a number of suppositions that may not reflect the real financial status of the average retiree. Inflation will eat away at the value of your retirement savings, and it's very possible that your retirement years could coincide with a period of higher inflation. That's not to mention the stock market's volatility. Many experts believe a consistent 12% return, like Ramsey has optimistically said mutual funds can deliver, may not be likely. Suze Orman's advice, on the other hand, is more conservative. She advises retirees to withdraw as little as possible from their savings, which is a safer approach. Either expert would argue that the best way to make your money last in retirement is to start saving as early and as aggressively as you can. A gold IRA is one option for building up your retirement fund with an inflation-hedging asset. Gold has historically acted as a hedge against inflation, and many professional investors such as Ben Mallah and Peter Schiff tout it as a solid alternative investment to the stock market and way to diversify your IRA as the price of gold continues to rise. Opening a gold IRA with the help of Goldco allows you to invest in gold and other precious metals in physical forms while also providing the significant tax advantages of an IRA. With a minimum purchase of $10,000, Goldco offers free shipping and access to a library of retirement resources. Plus, the company will match up to 10% of qualified purchases in free silver. If you're curious whether this is the right investment to diversify your portfolio, you can download your free gold and silver information guide today. Read more: Rich, young Americans are ditching the stormy stock market — Boost your existing savings If you're already in retirement, you may want to follow Ramsey's advice on growing your existing savings with safe vehicles like mutual funds. However, many retirees have not considered the benefits of certificates of deposit, whose returns can now exceed 5%. Between 2008 and 2022, when certificate of deposit rates were practically zero, and their appeal to investors about the same, they fell out of favour. But since the Fed started aggressively raised interest rates to combat inflation, certificates of deposits (CDs) have become a hot topic once more. And even though rates are slowly coming back down, these accounts are still worth a look. A certificate of deposit is a low-risk savings account that could earn as much interest as a high-yield savings account, possibly more. However, to earn that higher rate, you'll have to park your money in the account for a certain period of time. Invest for passive income in retirement Dave Ramsey is a huge advocate for finding new passive income streams to pay down debt and build savings. While much of his advice is focused on finding a lucrative side hustle, for those in their golden years, a more relaxed approach may be easier to incorporate. Before you begin investing however, you need a plan. And while Ramsey and Orman make good points on withdrawal strategy, you may need help that's more tailored to your personal situation. If you're unsure of how to navigate planning for retirement on your own, calling a professional give you some peace of mind. simplifies the search process by connecting individuals with an exclusive network of fiduciary advisors, each dedicated to transparency and held to high ethical standards. All you have to do is answer a few simple questions regarding your finances and long-term goals, and will connect you with a vetted expert near you who is best suited for your needs. You can then set up a free, no-obligation consultation to see if they're the right fit for you. What to read next How much cash do you plan to keep on hand after you retire? Here are 3 of the biggest reasons you'll need a substantial stash of savings in retirement 5 simple ways to grow rich with US real estate — without the headaches of being a landlord. Start now with as little as $10 This tiny hot Costco item has skyrocketed 74% in price in under 2 years — but now the retail giant is restricting purchases. Here's how to buy the coveted asset in bulk Financial aid only funds about 27% of US college expenses — but savvy parents are using this 3-minute move to cover 100% of those costs Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Sign in to access your portfolio
