Dan Kadlec | Time

The Real Retirement Struggle: Defining Yourself As More Than the Sum of a Long Career

Figuring out the money is only part of retirement planning. Longer lives are bringing the emotional aspects into focus as well, as new retirees with two decades of free time in front of them forge...

By Dan Kadlec September 22, 2016

Unemployment Insurance You Can Buy (In Advance)

Laura Leonard, a medical worker, had seen hundreds of co-workers lose their jobs to technology advances at Wake Forest Baptist Medical Center in Winston-Salem, N.C. So when her bank offered a wage-insurance policy that, for...

By Dan Kadlec May 26, 2016

How to Build Your Own Pension

Everybody needs one. Here’s how to make it happen

By Dan Kadlec March 31, 2016

Your Longevity Is Good for Business

Industries find new ways to cater to the aging population

By Dan Kadlec March 3, 2016

The True Cost of Living a Long Life

Humans are living longer. How are you going to pay for old age?

By Dan Kadlec February 11, 2016

Retirees' Biggest Asset May Be Hiding In Plain Sight

Considering the reverse mortgage

By Dan Kadlec February 4, 2016

How Older Workers Prepare for Their Second Act

Some interns have a bit more gray in their hair

By Dan Kadlec December 21, 2015

Your Kids' Financial Education Should Start Much Earlier Than You Think

By the age of 3, children should know how to take turns, walk up stairs and get dressed without help, developmental experts say. They should also be prepping for retirement. Wait. What? Doesn't this take...

By Dan Kadlec November 19, 2015

6 Ways to Prepare for a (Much) Longer Retirement

How to make sure your money lasts

By Dan Kadlec October 8, 2015

Is a 529 Account the Best Way to Save for College?

Maybe not. Here’s why

By Dan Kadlec September 24, 2015

Interest Rate Tips for 2015

How to use the rising rates to borrow, save and invest

By Dan Kadlec January 15, 2015

How We Can Fix the Economy and Save Capitalism

Bringing the underprivileged into the financial mainstream would do no less than save our way of life, argues the activist John Hope Bryant.

By Dan Kadlec June 17, 2014

Millennials Are Leading Boomers to a Smarter Retirement

In retirement jobs, boomers embrace many of the same work values as Millennials.

By Dan Kadlec June 11, 2014

Here We Go Again: Is College Worth it?

As an advocate for skipping college blesses 20 new fellows with seed money, new data shows pay advantage for graduates is growing.

By Dan Kadlec June 9, 2014

This Is How You Give Away a Massive Fortune

Elite universities are offering workshops in philanthropy. Is it a nod to future fortunes? Or just the new normal?

By Dan Kadlec June 6, 2014

This Reality TV Show Can Save Your Retirement

Can a reality TV show fix your troubled family finances?

By Dan Kadlec June 5, 2014

Workers to Bosses: Take Twice as Much of My Pay

Here's the savings crisis in a nutshell: workers want to save twice as much but won't do it for themselves.

By Dan Kadlec May 30, 2014

Here's Proof Cash Is Dying Fast

Only 1 in 10 adults always carry cash. Where does this leave the rest in an emergency? Just fine, thank you.

By Dan Kadlec May 29, 2014

We're Traveling, Video Gaming and Hitting the Bars Like Before the Recession

Household spending on consumer goods hit $10 trillion for the first time, driven by experience-craving Millennials and retiring boomers.

By Dan Kadlec May 23, 2014

Why Wall Street Is Courting 'Modern Families'

As boomers obsess about launching their Millennial offspring and form new types of households the financial industry is refocusing on what family means.

By Dan Kadlec May 22, 2014

Millennials Have No Idea Who Bernie Madoff Was

And that says a lot about their financial mindset

By Dan Kadlec May 21, 2014

We've Been Asking All the Wrong Questions About Retirement

Merrill Lynch is making a big bet on a new retirement planning approach based on 'life priorities.'

By Dan Kadlec May 15, 2014

Only Rich Kids Should Go to College

The evidence keeps mounting: college loans are holding back young Americans in unprecedented numbers.

By Dan Kadlec May 14, 2014

This Is the Easiest City in America for Saving Money

Half of all households spend more than they make. Here are the easiest and hardest cities in which to turn that around.

By Dan Kadlec May 14, 2014

The Share of Retirees with a Mortgage Is Soaring

Bad habits are coming home to roost as retirees cannot shake their biggest debt.

By Dan Kadlec May 9, 2014

Here's a Dead-Simple Way to Guarantee Your Retirement Security

A new, free financial guide for Millennials makes the critical point that saving early is a cure-all. And it's not torture to read.

By Dan Kadlec May 7, 2014

Why Starbucks Could Become Your New Favorite Bank

As Millennials come into focus for banks, research consistently shows that this generation knows it must fend for itself and craves trustworthy guidance.

By Dan Kadlec May 7, 2014

Who Needs a House? Give Me a Nest Egg!

Retirement savings is trending higher and home ownership lower as our top financial goal.

By Dan Kadlec May 6, 2014

3 Generations, 3 Paths to the Retirement Poorhouse

Every working generation has a unique plan for retirement. Will any of them get there?

By Dan Kadlec April 29, 2014

There's a Dangerous New Way to Get a Quick Loan

Americans ratcheted up borrowing from retirement accounts during the recession and have never stopped. Here's why these should be loans of last resort

By Dan Kadlec April 24, 2014

A new repayment is plan is more about student debt forgiveness

A new repayment option is really about student debt forgiveness. It's been popular, and is getting very expensive for taxpayers.

By Dan Kadlec April 24, 2014

Top 10 Best Cities to Start a New Career

New graduates with a choice may want to start their career in one of these fun and affordable cities.

By Dan Kadlec April 22, 2014

This Is How Detroit Found Itself a Mysterious Pot of Gold

Suddenly the cops and firemen and other municipal workers' retirement doesn't look so bleak in the Motor City. But don't try this at home.

By Dan Kadlec April 18, 2014

Turns Out Millennials Are Scary Smart With Their Money

New studies conclude that Millennials understand they must save. Doing it the right way is another matter.

By Dan Kadlec April 16, 2014

Here's How to Spend Your Way to Euphoria

Happiness research has been in vogue since the recession and supplies much needed answers as to how we should spend our money.

By Dan Kadlec April 11, 2014

Your Kids Are Better With Money Than You Are

Millennials show some disturbing gaps in knowledge of personal finance. But boomers were no better at that age--they just didn't have so much student debt.

By Dan Kadlec April 10, 2014

The Staggering Statistic Threatening Your Retirement

Debt levels among those on the doorstep of retirement have risen by four times in two past two decades, yet another factor delaying retirement for many.

By Dan Kadlec April 7, 2014

Summer Jobs: Outlook Brightens, but Start Looking Now

Employers expect to fill more summer positions, and at higher pay. Nearly all the jobs will be filled long before June.

By Dan Kadlec April 2, 2014

Teen Who Got $31,000 Deposit in Account By Mistake May Be Your Next Hero

Because most Americans still don't like their bank very much

By Dan Kadlec April 2, 2014

Why Millennials Would Choose a Root Canal Over Listening to a Banker

Fed up with indifference, Millennials envision a bank-free existence.

By Dan Kadlec March 28, 2014

This Quiz Showed Me Just How Cheap I Really Am

Maybe saving money at every turn isn't the right approach. Smart spending on your happiness and relationships provide much needed balance.

By Dan Kadlec March 27, 2014

Why Parents Routinely Raid Their Kids' Piggy Banks

Between 30% and 50% of parents steal money from their kids piggy bank or savings account, surveys show. Is this anyway to set an example?

By Dan Kadlec March 26, 2014

Kansas Argues Over Teaching Kids About Money

A statehouse debate in Topeka shines a light on common blind spots in the fight for financial education. Some favor in offering it, while others say there is no room in the school day for a stand-alone course in personal finance

By Dan Kadlec March 22, 2014

Jacking Up Your Crippling Debt Just Got a Lot Easier

Now you can instantly own the things you see on TV and read about in magazines

By Dan Kadlec March 19, 2014

More Proof Americans Think It's a Great Time to Retire

A new survey by the Employee Benefit Research Institute finds that 18 percent of Americans are "very confident" they'll live comfortably when they retire, up 5 percent from last year, thanks to planning like a 401(k) plan or IRA

By Dan Kadlec March 18, 2014

Turns Out Now Is a Brilliant Time to Stop Working

Retirees are feeling better about their finances than they have in years. The rising stock market is one reason. But seniors also have a sense that interest rates will finally move higher and make income easier to secure.

By Dan Kadlec March 17, 2014

Millennials Are About to Change Everything You Know About Money IRL

Same story, new generation? Not so fast. Millennials struggle with money like previous generations but they just might rewrite the script.

By Dan Kadlec March 13, 2014

The Huge Mistake Millennials Are Making Now

Young workers rate international opportunities dead last when it comes to what makes a job attractive. Why travel when you can get all the foreign experience you need via FaceTime?

By Dan Kadlec March 10, 2014

Obama Wants Kids to Learn About Money

The President’s Advisory Council on Financial Capability for Young Americans opens for business Monday and is squarely focused on kids in the effort to empower Americans to take charge of a better financial future

By Dan Kadlec March 7, 2014

Inflation? Hooey, but You Still Need Protection in Retirement

Just as economists and bond traders missed the reversal from inflation to disinflation three decades ago, a new generation lulled into a new reality will miss it again when consumer prices push higher in a sustained way.

By Dan Kadlec March 4, 2014