The Archive
Every Letter.
One short letter every Tuesday on building retirement income outside the stock market. Read any of them below, or subscribe to get the next one.
- July 7, 2026the automatic Social Security cutThe automatic Social Security cut coming in 2032 applies to everyone counting on that check, and it happens whether Congress votes or not. The June 2026...
- June 30, 2026the survivor keeps one checkIf you're married, the survivor keeps one check, and the higher earner's claim age decides which. When one of you dies, Social Security stops one of your...
- June 23, 2026the worst asset to inheritIf you've got a traditional 401(k) or IRA and you plan to leave money to your kids, that account may be the worst asset to inherit. Here's why. Every...
- June 16, 2026your lowest-tax windowIf you've stopped working but haven't started Social Security yet, you're in the lowest tax bracket you'll see for the rest of your life. It won't last...
- June 9, 2026The bank's seat in real estateYou can get monthly income from real estate without owning the property. Banks have done it this way forever. A bank doesn't own your house. It lends...
- June 2, 2026The $90K Survivor MistakeThe higher earner's Social Security claim age isn't really about their own check. It's about the survivor benefit that lasts fifteen to twenty years after...
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