A Roth conversion ladder can help early retirees access retirement savings before age 59 ½ without triggering the usual early withdrawal penalty. The strategy works by gradually converting pretax retirement money to a Roth IRA. However, timing is critical: Each…

Every Taylor Swift album, ranked from worst to best

Final grade: 10.3/10This is where we cross into stratospheric territory.Because my bespoke grading system gives an extra point to the best songs in Swift’s catalog, her top-five albums have all scored above a 10 because their gems outweigh their duds. (If you have a problem with this system, you’ll be…

Each state’s infrastructure, ranked worst to best

Infrastructure has a big impact on the quality of day-to-day life.Whether you’re struggling to get around because of poor road quality, unreliable public transportation, or your neighborhood experiences frequent power…

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The Money-Saving Grocery Strategy Hiding in Your Pantry

As shoppers continue to look for ways to save at the grocery store amid rising food prices, USA TODAY reached out to experts for money-saving tips. Cooking at home can give your budget the “biggest bang for your buck,” especially…

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