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Social Security Benefits Predicted to Run Out Earlier Than Expected: Report

The trust fund that pays Social Security Administration (SSA) retirement and survivor benefits is now projected to run out of money sooner than expected, according to a new federal budget analysis.

A new report from the Congressional Budget Office (CBO) shows the Old-Age and Survivors Insurance (OASI) Trust Fund is now on track to be depleted in 2032,

 » Read more about: Social Security Benefits Predicted to Run Out Earlier Than Expected: Report  »

Should You Prioritize Paying Off Student Loans or Investing?

Key Takeaways

  • Compare student loan interest rates with potential investment returns before deciding on repayment.
  • Paying off student loans can provide financial certainty despite potential higher returns from stocks.
  • Consider tax benefits and potential loan forgiveness when deciding on student loan payments.
  • Interest accumulates on unsubsidized loans during school,

 » Read more about: Should You Prioritize Paying Off Student Loans or Investing?  »

How Your Spousal Social Security Benefits Change After a Spouse's Death

When a spouse dies, the number of decisions you have to make is staggering. The questions swirling around your mind can be numbing. However, amid it all, you must face the financial reality of life without your spouse, and that’s no easy feat.

If you’ve been collecting Social Security spousal benefits,

 » Read more about: How Your Spousal Social Security Benefits Change After a Spouse's Death  »

Understanding the Excess Accumulation Penalty on Retirement Accounts

Key Takeaways

  • The excess accumulation penalty is a fine imposed by the IRS for not withdrawing the required minimum distribution (RMD) from a retirement account.
  • The penalty is 50% of the RMD amount that was not withdrawn on time.
  • Required minimum distributions must begin at age 73 for most retirement accounts to avoid the penalty.

 » Read more about: Understanding the Excess Accumulation Penalty on Retirement Accounts  »

How Warren Buffett’s Investing Advice Can Change Your Financial Future for the Better

Key Takeaways

  • Buffett urges investors to stick to a “circle of competence,” investing only in businesses they fully understand.
  • His top priority is a company’s durable competitive advantage, not trends, forecasts, or buzzwords.

Get personalized, AI-powered answers built on 27+ years of trusted expertise.

 » Read more about: How Warren Buffett’s Investing Advice Can Change Your Financial Future for the Better  »

Iran War Sends Oil Prices Soaring Past $90, Raising Concerns For US Economy

Oil prices climbed sharply on Friday, putting them on course for their biggest jump since early 2020 as the escalating Iran war raises concerns about global energy supplies. US crude oil surged more than 11% in midday trading to above $90 per barrel, marking its highest level since October 2023. Brent crude, the international benchmark,

 » Read more about: Iran War Sends Oil Prices Soaring Past $90, Raising Concerns For US Economy  »

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