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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Taxes for Seniors
In the coming months, millions of seniors will file their tax returns – and many...
Written on February 25, 2026 -
Last Chance for FAFSA
Time is growing short for parents of high school seniors (and those returning to college...
Written on February 24, 2026 -
The Annuity Pitch
A decade ago the insurance industry made a huge annuity sales pitch to pre-retirees, offering...
Written on February 11, 2026 -
The Housing Market
With so much attention focused on the stock market, the housing market has faded into...
Written on February 02, 2026 -
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
Ask Terry
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“IRA ROTH Conversion Taxes”
Hello Terry, I am primarily a full time W-2 employee with a tiny amount of.. -
“AARP tax help link”
On the 25 February 2026 , you mentioned AARP for seniors needing a tax professional... -
“Social Security survival benefits”
Can a spouse collect a deceased spouse’s partial social security ,without filing for social security.. -
“SSA IRMAA”
Hi Terry I will be 63 in October my wife is 65 and collecting SSA... -
“Capital gains”
My parents who are in the upper 80’s who purchased a 3 flat in Illinois,.. -
“Ira rollover choices.”
I am a senior. Need to roll over IRA. Should funds be withdrawn to pay.. -
“Should I pay off my mortgage?”
I came into an inheritance from my dad’s passing. Should I pay off my mortgage?.. -
“Custodial IRA”
How do you feel about a custodial IRA? I have a 11 and a 16-year-old.. -
“Taxes”
I paid premiums of $195,666.00 to a life policy, the current cash value is $139,481.00... -
“1-A deduction”
Turbo tax does not have schedule for 1-A. They say it will be figured at..
Terry has explained personal finances to employees of organizations large and small, including:
