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How to Contribute to a Roth IRA if You're Retired

Q: If I'm retired but my wife had income for 2015, and we file our taxes jo...
Q: If I'm retired but my wife had income for 2015, and we file our taxes jointly, may I put money in a Roth using her income? — Jim A: You may indeed use her...

How to Make the Most of Two Competing Job Offers

Q: I’ve been actively looking for a new job, and now I have what could be c...
Q: I’ve been actively looking for a new job, and now I have what could be considered a good problem: I’ve gotten offers from two different companies. How do I make the most out of...

How to Max Out Your Social Security Benefits Under the New Rules

Q: I am 62 years old (born May 1953). My wife is 60 years old (born Decembe...
Q: I am 62 years old (born May 1953). My wife is 60 years old (born December 1955). Am I still eligible for the “file-and-suspend rule” if my wife is currently only 60 years old?...

How to Invest a Big Bonus

Q: I got a big bonus at work, but I’m unsure what to do with it. I'm 32, ha...
Q: I got a big bonus at work, but I’m unsure what to do with it. I'm 32, have an emergency fund, and my only debt is a mortgage. I max out my IRA but...

How to Navigate Social Security Survivor Benefits

Q: I will be 64 in October. My husband died in 2012. I am still employed an...
Q: I will be 64 in October. My husband died in 2012. I am still employed and make about $48,000 a year. Can I start collecting my husband’s Social Security benefits before reaching the age...

What's Better—a Traditional 401(k) or a Roth 401(k)?

Q: My employer lets me choose between a regular 401(k) and a Roth 401(k)? W...
Q: My employer lets me choose between a regular 401(k) and a Roth 401(k)? What's the difference between these two types of retirement accounts, and which one should I use? A: Yes. Both a traditional...

How to Simplify Your IRA Contributions

Q: When making deductible and nondeductible contributions to a traditional ...
Q: When making deductible and nondeductible contributions to a traditional IRA, must I use different investments? For example, does a $3,500 deductible contribution have to go to Fund A while a $2,000 nondeductible investment goes...

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