Have you ever met “they?”  Me neither, but from what I hear, he or she is a pretty bad dude.
“They” is responsible for every ill we face from rent prices to mortgage interest rates and student loans. “They” have caused housing prices to rise and inflation too.  “They” have rigged the system, even health insurance premiums. “They” made Social Security a scam. “They” is why people don’t earn what they think they should. 
“They” seem have total control over our economy with the ability to Ignore supply and demand and prices. 

I wanted to share this article and I hope our dear HD readers comment and tell us if they are doing what is suggested in the article and how it’s working out.  I am at the beginning of trying to figure out my housing options and what is described in the article sounds good.
https://www.wsj.com/lifestyle/relationships/new-housing-options-emerge-for-older-americans-dfa4c8f5?st=Sp9vyR&reflink=desktopwebshare_permalink

It’s time to rewatch the 1986 Tom Hanks/Shelley Long cautionary tale about their dream house gone wrong.
After spending last year’s home improvement efforts on my newly-acquired tin can casita, my used car of a fishing cabin in the Sonoran Desert, I’m back in the city for some long-pondered home renovation. It ain’t been pretty, at least when I review the hit to my portfolio. Everything from a piece of lumber to a square foot of cement is more expensive than I’d imagined.

I would like to dedicate this post to Jonathan.
My spouse and I started with nothing. We left college with debt and moved to a HCOL area in the mid 1980s. We knew nothing about money other than “if you can’t pay your credit card off each month, quit charging until it is paid off”.
We are Christians and felt called to tithe our income, so we worked up to the full 10% of gross income that is traditional.

STOCK MARKET INVESTORS are enjoying yet another strong year. The S&P 500 has gained about 14% so far, shrugging off, for the most part, uncertainty over tariffs, interest rates and the latest government shutdown.
Should this worry us?
Since ancient times, soothsayers have been attempting—without luck—to forecast the future. As it relates to investment markets, the frustrating reality is that no one knows what the future will bring. But that doesn’t mean there’s nothing we can do.

ROTH IRA IS A powerful account. It grows tax-free and withdrawals are tax-free during retirement. Roth IRA also has income limits.
For 2025, if you are filing your taxes as single and make less than $150,000 ($236,000 if married filing jointly) of modified adjusted gross income, you can contribute a maximum amount of $7,000.
But if you make $165,000 (single) or $246,000 (married jointly), you are ineligible to contribute to a Roth IRA directly.

Hello, Humble Dollar community!!  This is my first post, please excuse me in advance if not as articulate as so many of you who contribute to this site.
I am wondering if any of you have recommendations or thoughts on simple DAF platforms for charitable contributions
I have some highly appreciated stock (APPL at ~$250/share with a very low basis) and use this for most of my larger charitable gifts.  I am a devoted Vanguard customer and make direct donations thru Vanguard but tend to find the process a bit tedious –

I wanted to follow up on R Quinn’s forum post about HD writers and encourage everyone to submit your own articles for posting.
Many people mentioned that they’re unsure what to write about, so here are a few ideas to get you started:
> What I wish I knew about money before turning X
> How my relationship with money changed after X happened
> The emotional side of retiring, and learning to spend the money I saved
>

One of the greatest benefits I received  from my last employer was the gift of health care insurance in my retirement years. At the time I was hired (almost 28 years ago), they offered an early retiree benefit: work for twenty years and, if you chose to retire after you turn 55, you could continue to receive coverage as if you were an active employee. Needless to say, it’s a benefit they no longer offer.
I retired on my 55th birthday,

I recently flew to Spain to meet a friend who was coming from London. We enjoyed a few lovely days together until disaster struck. After spending an hour at the pool, my friend went to check his phone for the time—only to realize he’d forgotten to take his phone out of his swimming shorts pocket. By then, it was too late: the phone had slipped out and been sitting at the bottom of the pool the entire time.

I’m blaming Nick for this post, which has nothing to do with retirement. Still, I thought you may enjoy hearing about the drinking culture in the beer business, in the 70s.
My first job in the beverage business was as a driver-salesman for Pepsi. After several years I decided to pursue a job selling beer. It was 1977, I was 24 when I applied for a job and was called for an interview at the beer distributor.

In an effort to simplify and consolidate my portfolio, I recently completed what’s known as a Section 351 exchange in a taxable account. This provision of the Internal Revenue Code lets investors transfer assets—such as stocks and securities—to a corporation without recognizing a taxable gain or loss, provided certain conditions are met.
With help from my financial consultant, I exchanged a portfolio of individual stocks in a separately managed account (SMA), held since 2020, for shares in a new exchange-traded fund (ETF).

We are a couple who retired early (early 60s) and like many are facing a big jump in our Healthcare costs (California residents). Has anyone here looked at alternatives to the marketplace, such as insurance brokers, for Healthcare? Any recommendation or insight would be welcome. Also, I searched the articles and couldn’t find anything about this. Thank you.

I just read a wonderful article about someone who quit drinking at the age of 70.
https://www.wsj.com/health/wellness/its-never-too-late-to-quit-drinking-alcohol-i-should-know-cbaf6aea?st=tG27gv&reflink=desktopwebshare_permalink
I have been reading more and more articles about how dangerous even moderate  drinking is and I have been considering quitting completely.
I wanted to know how readers of HD handle drinking and if it has affected their life and finances.  I look forward to your comments.

My dad was the oldest child of a successful rancher. When my grandpa needed someone to help him with the farm, Dad reluctantly left his career as a fighter pilot in the Air Force and came back to Nebraska. He always made it clear that he did not enjoy ranching, but he loved the time he had to spend with his family.
Growing up, we never wanted anything but our expenditures were also not extravagant. My parents purchased new Chevy Suburbans,