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Christy Bieber

TMFChristyB

Former college teacher. Textbook contributor. Personal finance writer. Passionate advocate of smart money moves to achieve financial success.

Recent Articles by Christy Bieber

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Oct 28, 2023 by Christy Bieber

The No. 1 Reason to Claim Social Security at Age 62

Claiming Social Security at 62 is a smart financial choice if starting benefits at that age is necessary to preserve your savings.

Person Using Calculator

Oct 5, 2023 by Christy Bieber

3 Things Everyone Needs to Understand About Social Security, Before Retirement

You need to understand the realities of what Social Security can do to provide for your retirement -- before you actually stop working.

retiree reviewing finances

Oct 3, 2023 by Christy Bieber

3 Retirement Mistakes to Avoid Like the Plague in 2023

Making retirement mistakes like over relying on Social Security could jeopardize your security. Here are other errors you absolutely can't afford in 2023.

retired couple

Oct 1, 2023 by Christy Bieber

3 Social Security Mistakes You Probably Don't Even Realize You're Making

Because Social Security rules can be complicated, many people don't even realize when they make a mistake that could cost them.

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Sep 30, 2023 by Christy Bieber

4 Ways to Work Student Loan Repayment Into Your Monthly Budget

Student loan payments are set to resume on October 1, so it's important to have a plan for how to work them into your monthly budget.

Person Using Calculator

Aug 31, 2023 by Christy Bieber

Is This Silly Mistake Keeping You From Retiring Early?

Investing too conservatively could be a huge mistake if early retirement is your goal.

retired couple

Aug 30, 2023 by Christy Bieber

4 Things You Definitely Shouldn't Do While Planning for Retirement

You can't afford to make mistakes, like assuming you'll work longer than anticipated or forgetting about how inflation will affect your finances.

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Aug 29, 2023 by Christy Bieber

Is It a Good Idea to Pay Off Student Loans Early? 3 Considerations for Borrowers

Before paying off your student loans early, you should think about the benefits you'll be giving up and the opportunity cost.

reviewing financial documents

Aug 28, 2023 by Christy Bieber

I'm Not Focusing on Social Security in Retirement Planning. I'm Doing This Instead

Paying attention to your retirement investing can make more sense than focusing on what Social Security can do for you.

retiree reviewing finances

Aug 27, 2023 by Christy Bieber

Why Is Knowing Your Full Retirement Age So Important When Claiming Social Security?

Before you make a Social Security claim, you need to know exactly when your full retirement age is because your choice to claim benefits on, before, or after it will affect your income for life.

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Aug 22, 2023 by Christy Bieber

3 Situations When It Makes Absolutely No Sense to Delay a Social Security Claim

Delaying Social Security doesn't make sense if you're claiming spousal benefits -- or in these other two situations.

Couple looking at computer together

Aug 21, 2023 by Christy Bieber

Is Now the Time to Collect Social Security? 3 Green Lights to Watch For

If you have worked at least 35 years and have a good amount of retirement savings, you may be ready to claim Social Security.

Typing on Laptop

Aug 20, 2023 by Christy Bieber

Retiring in 2024? Make Sure You Can Answer These 4 Questions, First

Don't retire until you've made sure you have enough income, will have health insurance, and have a plan to spend your time.

Adult couple working in finances with receipt

Aug 19, 2023 by Christy Bieber

Thinking of Refinancing Your Student Loans? 3 Things All Borrowers Should Know First

Before refinancing your student loans, you need to consider three key factors.

Couple with financial advisor

Aug 18, 2023 by Christy Bieber

Preparing for Retirement? Here's Exactly How to Boost Your Monthly Social Security Payout

Want a bigger Social Security benefit once you've left work? Here are the steps you'll need to take to get it.

Adult couple working in finances with receipt

Aug 8, 2023 by Christy Bieber

Being Married Changes How You Should Think About Claiming Social Security. Here's Why.

When you're married, you must take your spouse into account in deciding when to claim Social Security.

Couple with financial advisor

Aug 5, 2023 by Christy Bieber

Delaying a Social Security Claim Isn't Always All It's Cracked Up to Be. Here's Why

A delayed Social Security claim can mean missing out on a lot of income -- and it will take years to break even.

Couple Looking at financial papers.

Aug 4, 2023 by Christy Bieber

3 Things Everyone Needs to Understand About Social Security, Before Retirement

Before retiring, there are three harsh Social Security truths you need to come to terms with.

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Aug 3, 2023 by Christy Bieber

Your 4-Step Guide to Deciding When to Claim Social Security

Making an informed choice about when to claim Social Security is vital to having enough money in retirement.

retiree reviewing finances

Aug 3, 2023 by Christy Bieber

5 Most Common Estate Planning Mistakes, and How to Avoid Them

Making an estate plan is an important part of protecting your legacy and your loved ones.

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