Hand-picked books and tools we think are worth your time. We share these to help you learn, so you can make confident decisions about your money.
Books
Tax-Free Retirement
A short, readable book (about 170 pages) that challenges the conventional wisdom about saving for retirement. Kelly argues that many Americans are setting themselves up for a big tax bill in retirement by keeping most of their savings in tax-deferred accounts, and he explains how properly structured permanent life insurance can be used to build cash value that may be accessed tax-free in retirement.
Why we like it: It’s a quick, approachable introduction to the idea of planning for taxes in retirement, not just today.
Good to know: The author is a life insurance professional, and the book presents one point of view. Strategies using life insurance have costs, fees and requirements that should be carefully reviewed, and they aren’t right for everyone. Read it alongside other perspectives, and talk to a tax professional before making changes.
Helpful websites
Privacy.com
Privacy.com lets you create “virtual” debit card numbers that stand in for your real bank details when you shop online. If a website gets hacked, thieves get a card number that’s useless anywhere else, not access to your checking account.
- Merchant-locked cards only work at the first store where you use them.
- Single-use cards close automatically after one purchase, which is great for free trials.
- Spending limits stop a subscription from charging you more than you agreed to.
- Pause or close any card instantly to stop unwanted charges.
Cost: The Personal plan is free and includes up to 12 new cards a month. Paid plans add more cards and cash back.
Good to know: It’s for U.S. residents and links to your bank account, so it works like a debit card. It won’t build your credit, and it generally doesn’t work for in-store purchases or at gas pumps.
Recommendations are provided for educational purposes only. Workable Financial Solutions is not affiliated with, endorsed by or compensated by the authors, publishers or companies listed, and does not receive any referral fees for these links. Descriptions and pricing are based on publicly available information as of October 2026 and may change; please verify details directly. We may offer life insurance products similar to those discussed in some resources. Links to third-party websites are subject to their own terms and privacy policies.