Balancing family life and finances in midlife. From paying for college while saving for retirement to supporting aging parents and teaching kids about money, practical advice for the realities of the sandwich generation
Cash is boring. But cash that actually earns something is interesting. That’s what high yield savings accounts (HYSAs) bring to the table: safety, liquidity, and an interest rate that beats typical brick-and-mortar bank accounts by miles. As of September 2025, there are several credible HYSA options offering meaningful returns while keeping your money liquid. Let’s […]
Should I Have a High Yield Savings Account? Read More »
The Short Answer Yes, you and your spouse can both have your own Roth IRAs — and in most cases, you should. The IRS doesn’t care if you’re married when it comes to IRAs. They only care about your income and whether you qualify. Each spouse has their own contribution limit and their own account.
Should My Spouse and I Each Have Our Own Roth IRA? Read More »
There’s a one-time IRS rule that lets you move money from an IRA or 401(k) into your HSA tax-free. Here’s how it works, who can do it, and whether it’s smart for you A Little-Known Move You Might’ve Missed You already know HSAs are underrated. But what if I told you there’s an IRS loophole
Qualified HSA Funding Distribution. The HSA Trick You Probably Didn’t Know You Could Do Read More »
Should you prioritize your kid’s college tuition or your own retirement? Here’s how midlife parents can strike a balance without sinking their future. The Midlife Squeeze The kitchen table looks like a battlefield. On one side: tuition bills and college acceptance letters. On the other: your retirement account balance, not nearly as high as you
Can You Pay for College and Still Retire? Read More »
