Money Guides: Retirement, Savings and Debt
Contribution limits, RMDs, savings and debt ratios, checked against IRS and CFPB sources and paired with a free calculator.
6 guides
What Is a Good Debt-to-Income Ratio? Thresholds, Examples and How to Lower It
What is a good debt-to-income ratio? Lower is better; 36% or less is comfortable for most lenders, and mortgage limits range from 43% to 50% of gross income.
Updated Oct 29, 2026 · 5 min readMoneyRMD Table 2026: IRS Uniform Lifetime Table and How to Calculate Your RMD
The 2026 RMD table: IRS Uniform Lifetime Table distribution periods by age, plus the formula (prior Dec. 31 balance ÷ factor), deadlines and penalties.
Updated Oct 28, 2026 · 5 min readMoneyRoth IRA Income Limits 2026: Phase-Out Ranges, Contribution Limits and Examples
Roth IRA income limits for 2026: the $7,500 limit phases out at $153,000–$168,000 MAGI for single filers and $242,000–$252,000 for joint filers.
Updated Oct 27, 2026 · 6 min readMoney401(k) Contribution Limits 2026: Employee, Catch-Up, Ages 60–63 and Total Limit
2026 401(k) contribution limits from the IRS: $24,500 employee deferral, $8,000 catch-up, $11,250 at ages 60–63, and a $72,000 total limit, with examples.
Updated Oct 27, 2026 · 3 min readMoneyRoth IRA Contribution Limits by Year (1998–2026), With Income Phase-Outs
Roth IRA and IRA contribution limits for every year from 1998 to 2026, age-50 catch-up amounts and Roth income phase-out ranges, each traced to the IRS.
Updated Oct 26, 2026 · 6 min readMoneyCD vs High-Yield Savings: Which Earns More and When Each Makes Sense
CD vs high yield savings: a CD locks a fixed rate for a set term with early withdrawal penalties; high-yield savings stays flexible at a variable rate.
Updated Oct 24, 2026 · 5 min read