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Kimberly Lankford

Contributing Editor
Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.

Latest Features

Ask Kim
October 2017

4 Ways RMDs Are Different for 401(k)s and for IRAs

For both types of retirement account, you need to take required minimum distributions after you turn age 70½. But there are differences in how and when you take the money.

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Ask Kim
October 2017

6 Ways to Prevent Water Damage This Winter

If the worst happens, your homeowners insurance will cover leaks and burst pipes, or water that comes into your home through your roof and windows. But it doesn't cover flooding.

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Ask Kim
October 2017

Medicare Part D Beneficiaries May Pay Less for Prescriptions in 2018

The infamous "doughnut hole," the coverage gap in which you pay a big portion of Part D drug costs, will shrink a bit more next year.

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Ask Kim
October 2017

File the FAFSA Now for More Financial Aid in the 2018-19 School Year

You can file your Free Application for Federal Student Aid as early as October 1 -- and the sooner, the better.

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Ask Kim
September 2017

How to Help Victims of Hurricane Maria

Puerto Rico and other Caribbean islands will be recovering for years from Hurricane Maria's destruction. If you want to help the islands and their residents, check out these charities.

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Ask Kim
September 2017

How Working in Retirement Affects Social Security Benefits

A paycheck can temporarily reduce Social Security payments if you're drawing benefits before your full retirement age.

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Ask Kim
September 2017

Making Charitable Donations From Your Retirement Accounts

You can't give your required minimum distribution from a 401(k) to charity without triggering a tax, but you can donate your 401(k) RMD tax-free if you roll the money over to an IRA.

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Ask Kim
September 2017

How Much Will You Spend on Health Care in Retirement?

Medicare covers fewer health care expenses in retirement than many people realize, but our strategies will help you save money as you fill in the gaps.

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Ask Kim
September 2017

Helping Victims of Hurricane Irma

Irma is gone, but those who were in her path will need assistance for many months to come to rebuild their lives. Charities have set up funds and organized relief efforts for those who want to donate time or money.

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SLIDE SHOW
September 2017

10 Things to Know About Hurricane Insurance Claims

After the devastating hurricanes in Texas and Florida, residents are now assessing the damage, contacting their insurers, and starting on the long process of physical and financial recovery. If you were ...

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Ask Kim
September 2017

After a Hurricane, Beware Flooded Cars for Sale

If you're buying a used vehicle in an area recently hit by a hurricane, check to make sure it doesn't have any flood damage.

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Ask Kim
September 2017

Give Your 401(k) a Midyear Checkup

Now is a good time to review your 401(k) contributions to make sure you're getting your employer's full match.

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Ask Kim
September 2017

How to Find a Home's Claims History

Ask for the seller’s disclosure report to uncover problems that could affect your homeowners premiums.

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Ask Kim
September 2017

What to Do After Inheriting an IRA

Heirs must begin taking withdrawals once they inherit an IRA, but how they choose to make those distributions can have a big impact on their account balance over time.

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Ask Kim
August 2017

Donating to Hurricane Harvey Relief Efforts

Plenty of organizations are raising money to help the victims of Hurricane Harvey. Check out these groups before you donate to be sure your gift goes to those who need it -- and not to scam artists.

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Ask Kim
August 2017

Marriage and Roth IRA Contributions

Newlyweds can suddenly become ineligible for Roth IRAs once their incomes are combined, although couples may still invest in them indirectly.

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Ask Kim
August 2017

Using Flexible Spending Account Dollars at the Drugstore

The rules changed a few years ago to limit use of tax-free FSA money for nonprescription drugs, but there are plenty of items you can still buy without a prescription.

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