About Terry
Terry Savage is a nationally recognized expert on personal finance, the economy and the markets. She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency.
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Terry's Columns
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Sell Your Silverware?
With the prices of gold and silver bullion making all-time highs, many people are thinking...
Written on January 29, 2026 -
Why Gold
Gold and silver prices have soared in the midst of global geopolitical uncertainty, concerns about...
Written on January 28, 2026 -
RMD and Review
This is the perfect moment for retirees to review their investment exposure and – if...
Written on January 20, 2026 -
The Challenge of Chicken Money
Now, things are going to get tough for “chicken money” holders. Your self-discipline is about...
Written on December 27, 2025 -
Year End Investment Advice
There’s an old Wall Street saying: “No one ever rings a bell at the top.”...
Written on December 24, 2025 -
Identity Theft, Scams and Protection
It’s the holiday shopping/scamming season. And that makes it a good time to think about...
Written on December 16, 2025 -
IRMAA Increases Medicare Premiums
Every senior on Medicare should be intimately familiar with IRMAA – the initials that stand...
Written on December 09, 2025 -
Year-End Planning Checklist — and...
This is the time of year when I typically offer financial planning advice to those...
Written on December 01, 2025 -
Small Biz Health Insurance Deal...
Suddenly millions of working Americans can no longer afford “Obamacare” health insurance, as premium subsidies...
Written on December 01, 2025 -
Happy Thanksgiving — and an...
Once upon a time parents and children sat down together for the toughest talk: the...
Written on November 24, 2025
Ask Terry
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“Series I bonds”
Hi Terry: I invested $10,000 in Oct/Nov of 2022 and was wondering how to find.. -
“Suggestions for retirees WTH great retirement programs. I have an Illinois state retirement adding 3% yearly and invest in stocks and have a growing IRA”
Any suggestions for retirees that have an untouched, dividend paying stocks ,bank CD’s credit union.. -
“Retiring in a year – Fiduciary and annuities”
I’m 65. I plan on retiring at 66 and 2 months. (Feb 2027) My wife.. -
“Silver”
Terry, What is your position on the value of silver I’m not asking you to.. -
“Mortgage & Car loan”
My Mortgage balance is $73,437. @ 6.49% thru 2045. Car balance is $17,450 @ 6.45%.. -
“Gold and silver, jewelry”
Have some gold, silver and jewelry from inheritance, I searched through the American Numismatic Association.. -
“Investment portfolio”
Terry,If I send you a list of my investments could you take a look an.. -
“T bill”
What are the advantages of a T bill and the disadvantages of a T Bill.. -
“8k to invest”
Hi, I have followed you and see you online, every time I can. I just.. -
“Pre-retirement planning”
I’m 57 and my wife and I have $3 million in retirement savings. I have..
Terry has explained personal finances to employees of organizations large and small, including:
