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'Conventional Wisdom Isn't Wise': Ramsey Tells Retirees to Dump Bonds, The Numbers Back Him Up
Dave Ramsey told retirees to ditch bonds on live radio, and a close look at the actual Treasury yields and withdrawal math reveals whether that advice is reckless or overdue.
A $2.6 Million 401(k) at 74 Produces a $102,000 RMD That Lands a Retiree in the 24% Bracket
A seven-figure 401(k) sounds like a retirement victory until the IRS forces a six-figure withdrawal that collides with Social Security, Medicare surcharges, and a bracket wall that swallows nearly 40 cents of every top dollar.
Reports Thu Sep 10Before open6:55 AM ETConfirmed
Macy's reports at 6:55 AM ET, the first read on how a $5.7 billion department store chain is stocking up for a holiday season forecast to top $1 trillion in spending. Same-store sales, gross margin and inventory levels set the tone for the whole mall-anchor group.
Press ReleaseNVIDIA
NVIDIA and Palantir Bring Sovereign Intelligence to Critical Supply Chains
Nvidia is running the Palantir-Nemotron stack on its own supply chain first, the one coordinating 1.3 million parts in every Vera Rubin rack, which turns the deployment into a live reference sale for every manufacturer, government and pharma buyer that follows. The stack ships as a sovereign reference architecture on Dell and Cisco hardware or Rackspace and Nebius cloud, widening the surface for enterprise AI spend.
CLOSING BELL
Asia
- 🇭🇰 Hang Seng-1.20%
- 🇨🇳 SSE Composite-0.43%
Hong Kong took the brunt of the selling, with the Hang Seng ending down 1.20% while mainland shares slipped less than half a percent. Southbound money has been thinning out, so the gap is worth tracking.
MARKET OPEN
Europe
- 🇬🇧 FTSE 100+0.13%
- 🇩🇪 DAX+0.06%
- 🇫🇷 CAC 40+0.30%
London opened higher for a third straight leg toward record territory, but Paris is doing the heavy lifting with the CAC 40 up 0.30%. Continental momentum is where the money is moving this morning.
Disclosure
1 INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA( www.finra.org )/SIPC( www.sipc.org ). 2 The probability of a member receiving $3,000 is 0.028%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Members must fund their account with a minimum of $50.00 to qualify. The probability percentage is subject to decrease. Members are only eligible for the Stock Award promotion upon opening their first brokerage account; subsequent cash brokerage accounts are ineligible for the promo, including for members with multiple accounts. 3 Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees. 4 There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.
SoFi Active Invest is offering a limited-time promotion. Open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts. See for yourself by clicking here now. (Sponsor)
MARKET OPEN
Nikkei 225🇯🇵 JPX
-0.18%
424.1
Tokyo opened 0.18% lower, a quiet start that masks the real driver: a firmer yen squeezing Japan's exporters ahead of the Bank of Japan's rate decision. Anyone holding Japanese equities gets their answer this month.
Press ReleaseNVIDIA
NVIDIA Expands AI Infrastructure Capacity in Partnership With Australia’s Data Center Ecosystem
Eight Australian operators, including Firmus, IREN, NEXTDC and AirTrunk, are committing land and power to a buildout of up to 2 gigawatts by 2027, all of it hosting DSX AI factories. Sharon AI alone plans to deploy up to 68,000 GPUs. Sovereign AI demand keeps converting into multi-year orders far from the US hyperscalers.
Fidelity Just Counted a Record 769,000 401(k) Millionaires. Most of Them Are Sitting on a Tax Bill That Comes Due at 73 or 75
Fidelity’s record crop of 401(k) millionaires may not own as much as they think, and a clock is already ticking on a tax obligation they cannot negotiate, defer, or skip.
SCHD Has an International Twin. It Returned 28% in a Year, Yields 3.7%, and Charges 0.08%
SCHD dominates domestic dividend portfolios, but roughly half the world’s quality payers never appear in a U.S. screen. Schwab built a companion fund applying the same rigorous filters to international markets, and the performance and yield numbers may surprise you.
A 66-Year-Old Couple With $1.8 Million Discovered Their 401(k) Was Running Their Retirement in Reverse
Their advisor said the retirement plan was working. Their CPA said it was slowly detonating. Both were correct, and the collision between a growing 401(k) and the tax code is what this couple never saw coming.
New 52-week low$3-1.3% vs prior low · 2026-09-01
Opendoor just hit a fresh 52-week low at $3.00, 1.32% under the low it set on September 1. That is a second new floor in nine days, with the $2.9 billion market cap now roughly a third of where the stock traded a year ago.