User Posts: Kerri Foley
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Inflation-Proofing an $80k Lifestyle: A Real Middle-Class Budget That Works at 65
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Reaching the age of 65 with a substantial nest egg is a monumental achievement, the culmination of decades of diligent work, saving, and planning. It ...

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IRS Red Flags: 10 Subtle Mistakes That Could Trigger an Audit (Even If You’re Honest)
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A peaceful night's sleep shattered by an IRS audit notice in your mailbox. Your heart races, even though you've filed everything honestly. Most taxpayers ...

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The “10-Minute” Monthly Checkup: Catch Withdrawal Mistakes Before They Snowball
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The transition from accumulating wealth to distributing it marks the most profound financial shift in an individual's life. For decades, the primary objective ...

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I Bought a House Too Soon and It Destroyed My Wealth—Here’s What I Wish I Knew
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It was a Tuesday afternoon when the two pieces of paper landed on Sebastian's kitchen table, and his financial life snapped into focus. One was a formal ...

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I Owed the IRS $47,000—Here Are the Tax Mistakes That Cost Me Everything
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A hot wave of panic washed over Liam, so intense it made him dizzy. This wasn't a bill for last year's taxes; this was a final notice, a judgment on years of ...

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I Need 10X My Salary Saved by 67—Am I On Track? (Fidelity’s Brutal Math)
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In the landscape of Peter's personal finance, few benchmarks loom as large or as intimidating as Fidelity's retirement savings guideline to accumulate ten ...

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I’m a Financial Advisor—Here Are the 12 Red Flags I See in Every Failed Retirement Plan
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On paper, Parker looked like a success story. Parker had raised a family, paid off their home, and diligently saved a significant sum in their 401(k)s. Parker ...

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The Investing “Quiet Period”: How to De-Risk the Year You Retire
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Research shows that 70% of retirement failures stem from investment losses in the first five years of retirement, yet most pre-retirees have no specific plan ...

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Your First 24 Months of Retirement: 12 Decisions That Compound for Decades
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The market crashed 30% in your first year of retirement—congratulations, you just experienced every retiree's nightmare scenario, but your response in the ...

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The One-Page Retirement Plan Every Middle-Class Household Needs
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Most middle-class Americans have less than $90,000 saved for retirement—and the 50-page plans their advisors give them sit unread in a drawer. Nearly two in ...

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