Required Minimum Distributions Explained: What Retirees Keep Getting Wrong
Learn about required minimum distributions explained. Avoid costly RMD mistakes with clear rules on deadlines, calculations, and tax strategies for retirees.
Sung-Jin Yoo
Nobody told Sung-Jin Yoo that starting a retirement newsletter at 26 while paying off student loans was a bad idea — or if they did, he ignored them. His self-built research practice, documented since 2021 in the newsletter *Deferred No More*, leans heavily on primary sources: actuarial tables, IRS notices, and peer-reviewed behavioral finance studies, all footnoted because he believes readers deserve to verify claims themselves. He hosts *The Long Horizon Podcast* (under 10k subscribers, proudly), where he interviews researchers and retirees who challenge the conventional wisdom that young people can afford to wait.
How a Nurse Paid Off $60k in Debt and Still Retired Early at 58
Learn about retire early after debt. Discover how one nurse eliminated $60k in debt and achieved early retirement at 58 with a smart, step-by-step financial plan.
How to Start Saving for Retirement in Your 40s With Almost Nothing Saved
Learn about start saving retirement 40s. Discover actionable steps to build a solid nest egg fast, even if you're starting from zero in your 40s.
Traditional IRA vs Roth IRA: Which One Actually Wins for Late Starters?
Learn about traditional IRA vs Roth. Discover which account wins when you start late — tax breaks, growth potential, and the smartest move for your retirement.
5 Retirement Planning Mistakes People Make in Their 50s That Are Hard to Fix
Learn about retirement planning mistakes 50s savers make. Discover 5 costly errors that are hard to reverse — and how to course-correct before it's too late.
Beyond the 401k: Retirement Account Alternatives Most Employees Overlook
Learn about retirement account alternatives. Discover HSAs, SEP IRAs, 457bs, and more overlooked options to diversify and strengthen your retirement strategy.
Retirement Savings Strategies That Actually Work When You’re Buried in High-Interest Debt
Learn about retirement savings with debt. Discover proven strategies to grow your nest egg while tackling high-interest debt — without sacrificing your future.
The Sequence of Returns Risk Most Pre-Retirees Have Never Heard Of
Learn about sequence of returns risk. Discover how poor early retirement returns can devastate your portfolio — and the strategies to protect your savings.
Should You Pay Off Your Mortgage Before Retiring or Keep the Cash Invested?
Learn about pay off mortgage before retirement. Discover whether clearing your home loan or keeping cash invested is the smarter move for your retirement plan.
How a Teacher With No Pension Built a $400k Retirement Portfolio on a Modest Salary
Learn about retirement savings teacher no pension. Discover how one teacher built a $400k portfolio on a modest salary without a pension plan.