Investing & Retirement Writer
Rachel Morgan covers long-term wealth building — 401(k)s, IRAs, compound growth, and mortgages. She breaks down retirement planning and investing basics into simple frameworks, so readers can make confident decisions without a finance degree.
7 stories
A Roth IRA lets your money grow completely tax-free — you pay tax now and never again on qualified withdrawals. Here's how it works, the 2026 contribution and income limits, the withdrawal rules, and who should open one.
A 401(k) and a Roth IRA both help you retire richer, but they're taxed in opposite ways — and using them in the right order can add tens of thousands to your nest egg. Here's the plain-English difference and which to fund first.
An emergency fund is the cash cushion that keeps one bad month from turning into a financial disaster. Here's exactly how to build one — how much you need, where to keep it, and how to get there even on a tight budget.
Want to know how many years it takes to double your money? The Rule of 72 gives you the answer in about five seconds of mental math. Here's how.
Simple and compound interest sound similar, but one quietly makes you far richer (or poorer) over time. Here's the difference, with real numbers.
A 401(k) employer match is free money your company adds to your retirement account when you contribute. Here's exactly how matching works, what a "3% or 6% match" really means, and how to make sure you never leave a dollar of it behind.
Not sure how much to put in your 401(k)? Here's a simple, step-by-step framework — from grabbing your full employer match to the 15% target — plus how much that works out to per paycheck at any salary.
