Social Security uses your top 35 income years, adjusted for inflation, to calculate benefits. Claiming benefits before full retirement age leads to permanently reduced monthly payments. Delaying ...

David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning.

Microsoft Excel isn't just for work. In fact, by leveraging just three single, powerful formulas, I use the popular spreadsheet software at home to track warranties, manage my budget, and ensure I ...