Adam Shell
Adam Shell is a veteran financial journalist who covers retirement, personal finance, financial markets, and Wall Street. He has written for USA Today, Investor's Business Daily and other publications.
Latest articles by Adam Shell
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Average Healthcare Costs by Age and State: Can You Afford It?Expect to pay more as you age and in some locations. We've got solutions for how to cover these costs, which can exceed $1,000 per month in your 60s.
By Adam Shell
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The Average Millennial 401(k) Balance is Not 'Superbad'Millennials may not have saved enough for retirement, but how bad can it be if your fake ID name is "McLovin"?
By Adam Shell
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The Rule of $1,000: Is This Retirement Rule Right for You?The rule of $ 1,000 a month can estimate how much you need to save for retirement. Here's how this rule of thumb compares to other guesstimates.
By Adam Shell
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Want to Retire With $100K a Year? Here's How Much to SaveWhat "magic number" will be enough to generate $100K a year in retirement income? We do the math for you.
By Adam Shell
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The Average Gen X 401(k) Balance Kind of BitesGen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.
By Adam Shell
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Are You Rich? The Average Net Worth by AgeAre you beating your peers on average net worth? Get tips from financial advisers on how to grow your wealth over time.
By Adam Shell
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7 Solutions to Protect Your 401(k) in a Down MarketUse these seven strategies to safeguard your nest egg when volatility strikes. You're not powerless.
By Adam Shell
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The Average 401(k) Balance by Age and GenerationHow did your 401(k) balance rank vs savers your age in the fourth quarter? Learn the keys to building a retirement account that will last a lifetime.
By Adam Shell
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The Average IRA Balance by Age and GenerationYou may have a higher IRA balance than your peers at the end of 2025 if you made smart decisions all the way back in 2022. Here's how to do it again.
By Adam Shell
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How Much Do You Need to Join the 1% Club in Your State?Being a top earner is relative: Why trading a high-tax zip code for a low-cost state is the ultimate retirement power move.
By Adam Shell
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Turn a $1 Million Nest Egg Into a Lifetime Income MachineThe paychecks may stop, but the income shouldn't. Master the art of the "income machine" to fund your dream retirement.
By Adam Shell
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How to Turn Your 401(k) Into A Real Estate EmpireTapping your 401(k) to purchase investment properties is risky, but it could deliver valuable rental income in your golden years.
By Adam Shell
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Want to Be a 401(k) Millionaire? Here’s HowJoin the 401(k) millionaires' club by following these 4 steps.
By Adam Shell
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Trump's First Year and Your Retirement: 8 Changes to KnowFrom investment returns to Social Security, Trump's first year has changed your retirement. Here's what to expect in 2026.
By Adam Shell
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How to Find a Financial Adviser for Retirement PlanningFinding the right financial adviser for retirement planning can save you time and money. Here's how to avoid sketchy ones and unearth the truly great advisers.
By Adam Shell
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Is a 401(k) Worth It? Here Are the Pros and ConsA 401(k) is worth it for most people, but are you one of them? There are seven pros and four cons to consider.
By Adam Shell
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Will Soaring Health Care Premiums Tank Your Early Retirement?If you're under 65 and want to retire soon, your plan may be derailed by skyrocketing ACA marketplace premiums. Here's what you can do.
By Adam Shell
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Year-End RMDs: 10 Ways to Invest, Spend or Donate ThemThe deadline for taking Required Minimum Distributions (RMDs) is December 31. And yes, shopping or travel might be in order.
By Adam Shell
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Being an Executor is a Thankless Job: Do It Well AnywayYou can be a 'good' executor of an estate, even though carrying out someone's final wishes can be challenging.
By Adam Shell
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10 New Year's Resolutions for Retiring in 2026Sponsored by Physicians Mutual
These New Year's resolutions will help you retire in 2026 with confidence in your financial strategy.
By Adam Shell
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Should You Max Out Your 401(k)? We've Got AnswersConventional wisdom says, 'Contribute the maximum to a traditional 401(k) if you can.' But there are hidden downsides to putting all your eggs in one basket.
By Adam Shell
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Roth 401(k) vs 401(k): Which Is Right for You?The Roth 401(k) vs traditional 401(k) decision can mean the difference between higher taxes now or in retirement. It's your choice.
By Adam Shell
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Top Four Retirement Withdrawal Strategies to Maximize Your SavingsThese retirement withdrawal strategies avoid tax and stock market pitfalls that can eat into your savings.
By Adam Shell
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I Tried a New AI Tool to Answer One of the Hardest Retirement Questions We All FaceAs a veteran financial journalist, I tried the free AI-powered platform, Waterlily. Here's how it provided fresh insights into my retirement plan — and might help you.
By Adam Shell
