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Your 401k Contribution Limit Resets Every January – Max It If You Can
The IRS sets an annual contribution limit for 401k plans, and once the year ends, you can’t go back and contribute more. If you’re not maxing out, increase your contribution percentage by 1% each year until you get there. Small increases are barely noticeable in your paycheck but add up to real money over time.
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Combine Finances With Your Partner – But Keep Some Money Separate
The most financially stable couples run a hybrid system: a joint account for shared expenses like rent, utilities, and groceries, plus individual accounts for personal spending. Set it up so the joint account handles household obligations transparently while your individual accounts let you spend without justifying every purchase. The structure prevents most money arguments before they start.
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A Will Is Not Just for the Wealthy – Everyone With Dependents Needs One
Without a will, state law decides who raises your children and who receives your assets, and the outcome may not match your wishes at all. Online estate planning platforms now produce a legally valid basic will for under $100 in most states. Name your guardians and direct your assets this month. Not deciding is a decision.
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Term Life Insurance Is Almost Always the Right Choice Over Whole Life
Term life insurance provides a death benefit for a fixed period, typically 10, 20, or 30 years, at a fraction of the cost of whole life. Whole life combines insurance with an investment component, but the returns are poor and the fees are high. Buy term, invest the difference, and you’ll almost always come out ahead.
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Invest Money · Taxes · Stocks
Tax-Loss Harvesting Can Offset Your Capital Gains Tax
Sell an investment at a loss and you can use that loss to offset capital gains from your winners. Up to $3,000 in excess losses can also offset ordinary income each year, and the rest carries forward. Just don’t rebuy the same investment within 30 days, or the wash sale rule voids the loss.
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Delaying Social Security to 70 Can Raise Your Check More Than 75%
You can claim Social Security as early as 62, but your benefit grows every year you wait, including 8% per year between full retirement age and 70. Waiting from 62 to 70 can raise your monthly check by more than 75%. Delay if you’re healthy and have other income to draw from.
WHY WE DO IT
Money Crashers’ mission
Money should work for you, not the other way around. We keep you on the right side of that deal with tips you can act on the day you read them.
We only write what’s useful.
Every piece starts with the same question: how useful is this to our readers? When the honest answer is “not very,” we don’t publish it.
We do the homework so you don’t have to.
We run the numbers, read the fine print, and weigh the alternatives. You get the conclusion, not the pile of research.
Trust is our No. 1 priority.
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