In partnership with
One Death, Higher Taxes
Here's the math most couples never see coming.
When one spouse passes, the survivor usually keeps most of the household income — but starts filing as a single taxpayer. Same IRA. Same required distributions. Roughly half the standard deduction, and tax brackets that compress to nearly twice the rate at the same income.
It's called the survivor's tax trap, and it's one of the most preventable problems in retirement — if you act while both spouses are alive and rates are still low.
Craig Wear, CFP®, has walked 3,000+ families with $1M+ in IRAs through exactly this planning. His new book, Roth Conversion Reset, lays out the year-by-year framework for converting at today's rates so the tax problem never lands on the person you love most.
The book is free. Full PDF, in your inbox in minutes.
Maths is a diverse field. Wow, what did I just tell you, like you never knew it already. I am sorry for that. But you know, maths really is different for different people. As kids, a lot of us hate it. We start with basic addition, subtraction and multiplication, then things keep getting more and more complicated, and somewhere along the way there are people who actually fall in love with the numbers. ME. Just like physics is often called the language of nature, maths has been called the language of the universe.
But we are, of course, witnessing the beginning of a new age, the artificial age, and just like almost every other field, mathematics is starting to feel the impact of AI too. Except what is happening in maths is a little more interesting than another story about AI.
