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Author: Sean Cate

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12 min read Money

Most people spend years building a 401(k) or IRA, carefully watching the balance grow, making contribution decisions, adjusting allocations during market swings. Almost nobody spends time on what happens to that account after they die, and the answer, under the rules currently in effect in 2026, is significantly more complicated than most families expect. The...

10 min read Money

Most people who regret their retirement can pinpoint the mistake in a single sentence. It’s the phrase that comes out at the kitchen table, or in the first year after leaving work, or somewhere around the third time the same worry wakes them at 2am. “I should have started sooner.” That regret, blunt and specific,...