Andrew Clemente, Author for My Investing News

Read articles by Andrew Clemente
An elderly man with a white beard in a denim shirt sits at a kitchen table, looking at papers and using a calculator, while an elderly woman with white hair in a yellow shirt stands behind him, holding her forehead with a worried expression. On the table are a plant, croissants, orange juice, and a coffee mug.

20 States That Retirees May Regret Moving To

Updated: by Andrew Clemente

A no-income-tax state or rock-bottom housing prices can look like a retirement dream until property taxes, insurance premiums, storm risk, and thin healthcare access show up in the budget. Some of the most popular destinations for retirees hide costs that a simple affordability ranking will never reveal.

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Jim Cramer Warns Micron Investors “You Could Lose Your Shirt”

Updated: by Andrew Clemente

Jim Cramer is warning investors that the biggest near-term risk in several high-flying technology stocks may not be weak earnings […]

A top-down view shows a black and gold wooden gavel resting on a stack of gold cryptocurrency coins and US dollar bills, one bill featuring 'THE BITCOIN D' text. A prominent silver and orange Ripple coin lies on top of the gold coins. An origami crane, folded from newspaper text, is on the left, with blurred financial article text forming the background.

Oracle’s Stock Snafu Could Derail A $110 Billion Media Empire

Updated: by Andrew Clemente

Two separate risks are now pressing on the Ellison family’s biggest technology and media bets at the same time. Paramount […]

A person's hands are shown, holding a silver 1776-1976 Bicentennial Quarter featuring George Washington's profile. The coin is held between the thumb and forefinger, with the date clearly visible. A silver-framed magnifying glass is held in the foreground, pointed towards the coin. In the blurred background, other silver coins are scattered on a wooden surface next to an old, brown book. A '24/7 WALL ST' logo is in the bottom left corner.

Is Your Bicentennial Quarter Worth $19,200? Try This 10-Second Test to Find Out

Updated: by Andrew Clemente

A Bicentennial quarter really did sell for $19,200, but that does not mean the 1776-1976 coin sitting in a kitchen […]

Men and women share a protest sign hold a megaphone. Mob concept, The youth crowd gathered to protest.

15 Corporate PR Disasters Companies Never Recovered From

Updated: by Andrew Clemente

A poorly worded sentence from a CEO can prove more costly than the crisis that triggered it, and some companies never recovered from the moment they chose to defend themselves instead of their customers.

105.8 Million Americans Aren’t Working. Here’s Why Retirees Should Care

Updated: by Andrew Clemente

The June 2026 jobs report delivered a reassuring headline and a more complicated warning underneath it. The unemployment rate edged […]

largest server companies

IBM’s Worst Crash Ever Should Serve as a Wake-Up Call for Retirees

Updated: by Andrew Clemente

Picture a retiree who accumulated IBM shares over 30 years and treated them as the quiet, dependable corner of a […]

An older woman with short gray hair and round glasses sits at a wooden table, holding a white letter. Her expression is one of shock and distress, with her mouth slightly open and one hand touching her face. A laptop, an open book, and a pen holder are also visible on the table. The background features a brick wall and kitchen elements.

Medicare Advantage Patients Are Losing Their Hospitals Midyear, Often With Little Warning

Published: by Andrew Clemente

A letter arrives in late summer, and the message is easy to miss. The hospital system a retiree has relied […]

A man identified as Jim Cramer, wearing a light blue dress shirt and a blue patterned tie, stands in a television studio, pointing with both hands at a large screen. The screen displays five neon-outlined icons with company names: GE Aerospace (+6.5%), Wells Fargo (+7.2%), Johnson & Johnson (+0.4%), Levi Strauss (+0.5%), and UnitedHealth Group (+0.3%), all with green upward arrows. Below these, a bold red graphic depicts a jagged downward trend with the text 'MARKET PUNISHMENT'. The studio background is a vibrant display of green and red financial charts and data tickers.

Jim Cramer Says Wall Street Is “Dead Wrong” About These 5 Beaten-Down Stocks

Published: by Andrew Clemente

On Thursday, July 16, Jim Cramer used Mad Money to argue that investors were punishing several strong companies for the […]

Musk Wants Terafab Moving at “Light Speed” Here’s What It Means for Tesla

Published: by Andrew Clemente

Tesla (NASDAQ: TSLA | TSLA Price Prediction) CEO Elon Musk wants the Terafab moving at “light speed,” according to reports […]

Donald Trump

Trump Vowed to Erase America’s $19T Debt. It’s Now on a Path Toward $50T

Published: by Andrew Clemente

In a March 31, 2016, interview published by The Washington Post that April, Donald Trump said the United States needed […]

Suze Orman, a woman with short blonde hair, stands at a microphone, wearing a black long coat and a pearl necklace. She points with her left arm raised, while her right hand rests on her hip, her expression animated as she speaks. The background features blurred, glowing yellow and orange abstract shapes against a red and pink gradient.

Pay Off $50K in Debt? Suze Orman Says “Over My Dead Body”

Published: by Andrew Clemente

In a July 2026 episode revisiting a 2025 exchange, a longtime listener of Suze Orman’s Women & Money podcast faced […]

Oracle founder Larry Ellison

Larry Ellison Loses $60 Billion as Oracle’s AI Bet Backfires

Published: by Andrew Clemente

Larry Ellison’s fortune has taken the biggest dollar hit on the Bloomberg Billionaires Index in 2026. As of the original […]

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Clark Howard Warns High Earners Against This Popular Roth IRA Move

Published: by Andrew Clemente

Clark Howard has long favored Roth retirement accounts, but a recent podcast answer raised a narrower question for high earners: […]

Dave Ramsey Says Take Social Security at 62, But Is He Right?

Published: by Andrew Clemente

Dave Ramsey rarely gives cautious financial advice, and his position on Social Security may be one of his most controversial. […]

My Boomer Parents Ran Out of Money 5 Years Ago—and Hid It Until It Was Almost Too Late

Published: by Andrew Clemente

What happens when your parents reach retirement with no money left… and wait until the situation is nearly impossible to […]

A close-up photo of an older woman with light brown hair and bright blue eyes, smiling softly while looking forward. To her left, part of a white document with the grey text 'RETIREMENT PLAN' is visible. A black scientific calculator is partially visible to her right, and the top of a pair of gold-rimmed eyeglasses is in the upper left corner. The background is predominantly light grey from the document.

Suze Orman Says This Roth IRA Rule Could Save Retirees Thousands on Medicare

Published: by Andrew Clemente

On an episode of her Women & Money podcast devoted to the Roth five-year rule, Suze Orman highlighted something many […]

A close-up image showing a blue Social Security card with 'SOCIAL SECURITY' prominently displayed, overlaid on a document detailing 'Monthly Benefit $4,727.88' and 'Annual Benefit $56,734.60'. Below these, a fan of crisp US hundred-dollar bills is visible, partially obscuring the lower portions of the documents.

New Bill Could Let Working Retirees Keep Their Full Social Security Checks

Published: by Andrew Clemente

Social Security is the financial foundation of retirement for millions of Americans, but the typical monthly check does not leave […]

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Florida Is Getting Expensive. This Tax-Friendly State Could Stretch Your Retirement Savings Further

Published: by Andrew Clemente

Florida remains America’s default retirement destination, and the tax argument is still compelling. The state does not tax wages, Social […]

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Only One State Beat Texas in This New Economic Ranking

Published: by Andrew Clemente

CNBC’s 20th annual America’s Top States for Business study ranked every state across 138 measures, then broke the results into […]

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He Kept His Taxable Income Low for 35 Years, Now His Social Security Check Is Paying the Price

Published: by Andrew Clemente

Picture a contractor we’ll call Dan. For 35 years, he ran an electrical business, bought trucks and tools, claimed legitimate […]

A pensive older man with gray hair, wearing a light blue plaid shirt, holds his clasped hands under his chin while looking thoughtfully to the left. Partially visible on the left is a white notepad with the words 'early retirement' written in black script and underlined. A wooden desk surface and the edge of a book are in the background.

He Claimed Social Security at 62, at 78, His $900,000 Portfolio Suggests He Was Right

Published: by Andrew Clemente

The $900,000 Outcome Does Not Settle the Debate. Imagine a 62-year-old retiring in 2010 after an adviser recommends waiting until […]

A senior couple sits on a grey sofa in a brightly lit living room, reviewing financial documents. The man, with grey hair, wears a light polo shirt and jeans, intently looking at a white calculator in his hands. The woman, also with grey hair, wears a white blouse and light trousers, holding several white papers and gesturing with her right hand, her expression one of concern or frustration. On a dark coffee table in front of them, there is an open laptop, a notebook with a pen, and two white mugs.

Even With Millions Saved, These 5 Risks Could Derail Your Retirement

Updated: by Andrew Clemente

The retirement-planning playbook changed sharply in 2026. The feared federal estate-tax “sunset” never arrived, the Roth catch-up mandate is now […]

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Google Co-Founder Takes 94% Loss on NYC Property as Mamdani Pushes Rent Freeze

Updated: by Andrew Clemente

Google co-founder Sergey Brin reportedly accepted six cents for every dollar of original equity to exit a New York City […]

A close-up of an elderly couple at a wooden table. The man, with gray hair and a beard, wears a light blue patterned shirt, holds a pen to his chin, and looks concerned while holding white papers. The woman, with curly white hair, wears a white and blue striped shirt and has her hand on the man's shoulder, looking thoughtfully in the same direction. A black calculator and part of a silver laptop are visible on the table. The background shows a softly lit living room.

Suze Orman Spots a Major Mistake in a Couple’s $2 Million Retirement Plan

Updated: by Andrew Clemente

A couple ages 50 and 52 appeared to have checked nearly every retirement box: about $2 million in combined 401(k) […]

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Social Security’s Full Retirement Age Is Now 67 for These Americans

Updated: by Andrew Clemente

Social Security’s full retirement age has now reached its final scheduled level under current law, but the timing is easy […]

The official seal of the Board of Governors of the Federal Reserve System, colored red, white, blue, and gold, is displayed on a dark blue background. The seal partially overlays a bright background composed of scattered U.S. one hundred-dollar bills. A large, diagonal red arrow points from the lower left corner towards the upper right corner across the image.

A $300 Billion Fiscal Shock Could Complicate the Fed’s Next Move

Updated: by Andrew Clemente

The Federal Reserve is heading into a critical stretch with few easy choices and several major events capable of changing […]

Jim Cramer Says Buy These 3 Stocks on the Dip

Updated: by Andrew Clemente

A sharp rotation beneath the surface of the market has pulled several familiar defensive names well below their recent highs, […]

A medium shot of Jeff Bezos, a bald man wearing a dark suit, white shirt, and a patterned tie, with his hands gesturing slightly forward. The background is an abstract digital representation of a server room or data center, filled with interconnected blue lines, glowing squares, and subtle server rack outlines, emphasizing a technological and data-rich environment.

Jeff Bezos Is Betting Billions on an AI Startup Built for the Physical World

Updated: by Andrew Clemente

Jeff Bezos is making one of the biggest private AI bets of the current boom, and it is not just […]

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The Retirement Income Trap Hiding in a $1.5 Million Portfolio

Updated: by Andrew Clemente

Picture two retirees with identical $1.5 million portfolios generating $80,000 a year in taxable portfolio income. One lives in Naples, […]

A pensive older man with gray hair, wearing a light blue plaid shirt, holds his clasped hands under his chin while looking thoughtfully to the left. Partially visible on the left is a white notepad with the words 'early retirement' written in black script and underlined. A wooden desk surface and the edge of a book are in the background.

A 61-Year-Old Retiree With $7 Million Shares His Best Advice

Updated: by Andrew Clemente

A 61-year-old retiree with a reported $7 million nest egg recently shared advice online for people who are trying to […]

Retire

The 3 Retirement Numbers You Need to Know Now

Updated: by Andrew Clemente

Deciding whether you are truly ready to retire can feel overwhelming, especially when every calculator, expert, and financial headline seems […]

A man in a dark suit and striped tie is shown in profile, lighting a cigar held in his mouth with a burning US $100 bill. Flames rise from the top of the bill as he holds it up to the cigar. The background is a soft, out-of-focus grey.

How Much You Need Saved to Retire Wealthy, Rich, or Upper Class

Updated: by Andrew Clemente

Words like “wealthy,” “rich,” and “upper class” often get used as if they mean the same thing. In retirement planning, […]

Jim Cramer Says This Comeback Stock Is His Favorite Right Now

Updated: by Andrew Clemente

On June 30, Jim Cramer told Mad Money viewers that his favorite stock right now is a company many investors […]

The Lowest-Income Town in Every State, According to Census Data

Updated: by Andrew Clemente

Across the country, many small communities are still dealing with limited job opportunities, low household incomes, and long-running barriers to […]

The Most Expensive States Retirees Should Avoid

Updated: by Andrew Clemente

Inflation is no longer running at the extreme levels Americans saw in 2022, but that does not mean everyday life […]

Warren Buffett

What 95-Year-Old Warren Buffett Thinks Everyone in Their 70s Should Do

Published: by Andrew Clemente

Warren Buffett is best known as one of the greatest investors of all time, but his advice has always extended […]

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Can You Answer These Simple Credit Score Questions? Most Americans Can’t

Updated: by Andrew Clemente

The modern credit score was created to give lenders a more consistent way to judge the risk of lending money. […]

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Think $3 Million Makes You Rich? Not So Fast

Updated: by Andrew Clemente

Most people would feel pretty good about reaching 50 with $3 million saved and a $1 million home. On paper, […]

From Billions to Trillions. The Presidents Who Added the Most U.S. Debt

Updated: by Andrew Clemente

“National debt” gets brought up constantly in political debates, usually as a warning sign or a way to criticize whoever […]

A young man in a gray t-shirt looks distressed, hand covering his mouth, while looking at a white tablet. Beside him, a young woman in a maroon top holds and reads a white letter, her face showing worry and her hand resting on her forehead. They appear to be in a living room or home office.

Newlyweds Thought the Wedding Was Paid For. Then the $4,000 Bill Arrived

Updated: by Andrew Clemente

A newlywed recently called The Ramsey Show with a family money problem that started after the wedding was already over. […]

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The $106,000 Retirement Mistake That Can Trigger a $2,000 Medicare Surcharge

Updated: by Andrew Clemente

The first required minimum distribution generally starts for the year a retiree turns 73, and for many households, that is […]

Nancy Pelosi Just Bet Up to $6 Million on These 2 Stocks

Updated: by Andrew Clemente

Congressional stock trading remains one of the most closely watched money controversies in Washington. For years, lawmakers have faced pressure […]

A distressed elderly man in glasses gestures with an open hand, looking exasperated, while an elderly blonde woman next to him holds her head in her hand, appearing upset. The background features blurred images of US dollar bills and a blue Social Security document.

Got a $14,000 Social Security Demand Letter? Don’t Miss This 30-Day Deadline

Updated: by Andrew Clemente

A letter from the Social Security Administration can be stressful enough. But for some retirees, the notice inside is far […]

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Suze Orman Says Millions Are Making This Social Security Mistake

Updated: by Andrew Clemente

As a retiree, or someone getting close to retirement, one of the most important financial decisions you will make is […]

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The Truth About Social Security Running Out for Baby Boomers

Updated: by Andrew Clemente

For many baby boomers, Social Security is not just extra retirement income. It is the money that helps cover housing, […]

A close-up, dimly lit photo shows an elderly woman with short, reddish hair, wearing a pink shirt and a purple robe, sitting at a wooden table. She is holding a white document with both hands, looking down at it with a worried expression, her right hand resting on her forehead. A white teacup and saucer are on the table to her left. The background is dark, showing faint outlines of furniture.

When a Spouse Dies, Medicare Can Hit the Survivor With Higher Premiums

Updated: by Andrew Clemente

A 72-year-old widow in Ohio opened her 2026 Medicare notice expecting the usual annual increase. Instead, she saw something much […]

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Dave Ramsey Stunned After 29-Year-Old Buys $50,000 Truck While $135,000 in Debt

Published: by Andrew Clemente

A 29-year-old caller from New Mexico reached out to The Ramsey Show with his wife because they were considering a […]

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Will Social Security Run Out for Baby Boomers? Here’s the Real Truth

Published: by Andrew Clemente

Millions of baby boomers are already leaning heavily on Social Security to get through retirement, and it is not hard […]

A close-up of an elderly man with a mustache comforting an elderly woman with short gray hair, who appears distressed, leaning her head on his shoulder. Her eyes are closed, and his hand is gently on her shoulder. In the blurred background, a blue document with the word 'SOCIALS' and part of a US dollar bill are visible.

RFK Jr.-Signed Report Warns Social Security Benefits Could Face a 25.2% Cut

Published: by Andrew Clemente

The 2026 Social Security Trustees Report includes a warning that should get every retiree’s attention: the program’s long-term funding gap […]

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