Ruby Financial Planning, LLC

07/17/2026

If you get reimbursed for mileage with your job, heads up, this isn't normal but make sure to take advantage.

Drivers may not know it quite yet, but the Internal Revenue Service put new, higher mileage rates into place effective July 1.

07/14/2026

It's good to see these two compared and hopefully the data frees you up to maybe spend more than you thought you could.

Under the RMD approach, you use the IRS formula to determine withdrawals for your entire portfolio—even when it isn’t required by tax law.

06/23/2026

The deadline to set up autopay and get the 1% rate discount is September 30, 2026.

Borrowers only have until the end of September to ensure they get the benefit.

06/11/2026

Just saved a client $10,000 that a tax preparer told her she owed (not the tax preparer's fault!). Great reminder that it's good to have a second set of eyes on all aspects of your financial planning, and that many times that set of eyes pays for itself!

05/30/2026

This might be the single highest value I add to the clients I work with through their retirements. So many people struggle to get comfortable spending the money they've saved.

As we age, the boogeyman gets replaced with a new fear:  running out of money in retirement. This concern is understandable given so many Americans are now responsible for not only  building their retirement savings  but also deciding how much they should pay themselves annually in retirement....

05/29/2026

Happy 529 Day (05/29...see what I did there?)! 529 Plans have evolved so much over the years, they really have become one of the most flexible tools you can use, right up there with HSA's and Roth IRA's. They don't have to be a college only investment!

05/27/2026

Tell your friends, family and neighbors. There's so much bad information floating around on Social Security, this article sums it up nicely.

Having misconceptions about Social Security can lead to a derailed retirement.

05/19/2026

I see it all the time. Don't wait until you're 70 to start thinking about Long Term Care insurance. Just like other types of insurance, the sooner you buy it the cheaper it will be for you.

05/02/2026

With one child entering a senior year and another about to head off for a freshman year, this topic has been top of mind for me and many of my peers for a decade!

College is expensive, and prices are rising. Here's what you might pay, plus the best ways to pay for college today.

04/25/2026

This seems like one of the more reasonable solutions I've seen floated around on how to fix the trust funds.

This solution could lead to benefit cuts for some higher earners.