How to Use Retirement Accounts to Reduce Taxes
Retirement accounts can reduce taxes, but their real power is bigger than the tax break.
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Whether you're investing for the first time or expanding your portfolio, Grow Money Pillar helps you turn income into wealth.
Wealth isn’t just about dollars—it’s about freedom, options, and the ability to say yes to what matters most.
What You’ll Learn in the Grow Pillar
The Grow Pillar helps you invest intentionally, plan for the future, and build lasting wealth that aligns with the life you want.
Investing
Learn the fundamentals of investing and build confidence to start — or optimize — your portfolio.
Retirement
Discover strategies to plan and save for the future you envision, at every life stage.
Wealth Building
Move beyond accumulation — learn how to create, sustain, and pass on wealth intentionally.
Is Your Money Smiling?
Take the 30-Second Money Mood Meter. Get a quick read on how happy your money is and discover your first step toward financial wellbeing.
Featured Learning Resource
Are you ready for financial independence?
Imagine waking up without worrying about bills, paychecks, or the next big expense.
Recent Grow Money Articles
How to Update Beneficiaries on Retirement Accounts
Your retirement accounts may be some of the largest financial assets you ever own. But the person who receives that…
How to Pass On Wealth the Right Way (Without Family Drama)
The more your plan reflects your real priorities, the better it is organized, and the less it relies on future guesswork, the more likely it is to protect both what you built and the people you love.
How to Protect Your Assets and Legacy
When your documents, accounts, people, records, and values all start working together, your plan becomes much more protective — and much more human.
How POD and TOD Accounts Work
When you understand how they work and review them with intention, they can make transfers clearer and easier. When they are ignored, they can quietly create the kind of mismatch people only discover too late.
How to Update Beneficiaries on Retirement Accounts and Life Insurance
Once you verify what is on file, make the needed changes, and document the update, you create a lot more clarity with relatively little effort.
Tools to Help You Grow Your Money
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Investing
- Capital Gains: How to Profit from Long-Term Investing and Asset Growth
- Cash Management Accounts Explained: How They Work and When to Use One
- Catch-Up Investing in Your 40s & 50s: How to Build Wealth When You’re Behind
- Crypto Investing for Beginners: What You Need to Know Before You Buy
- Dividend Income: How to Build Wealth Through Profit-Sharing Investments
- Eco-Conscious Guide to Sustainable Banking, Green Credit Cards & Impact Investing
- ETFs vs. Mutual Funds: What’s the Difference?
- Financial Planning by Age: What to Focus On in Every Decade
- From Saver to Investor: The First-Time Investor’s Guide to Building Wealth Confidently
- How Many Years to Reach Financial Independence
- How POD and TOD Accounts Work
- How to Build a Diversified Investment Portfolio
- How to Build a Portfolio That Grows With You
- How to Build a Sustainable Income Strategy for Today and Tomorrow
- How to Build Interest Income from Savings
- How to Buy a Rental Property (Without Turning Your Life Into a Second Job)
- How to Calculate Your Financial Independence Number
- How to Choose Between Online Brokers vs. Stock Trading Apps vs. Robo-advisors and Micro-investing
- How to Choose the Right Investing Approach: Self-Directed vs. Automated Investing or Managed Investments
- How to Create an Investment Plan: A Step-by-Step Guide for Beginners
- How to Diversify and Multiply Your Income
- How to Flip Houses and Make Money (The Smarter Way)
- How to Grow Dividend Income Through Investing
- How to Grow Your Money: Guide to Investing, Retirement, and Wealth Building
- How to Invest $1,000 (Beginner’s Guide)
- How to Invest $10,000 (Beginner’s Guide)
- How to Invest $100 (Beginner’s Guide)
- How to Invest $5 (Beginner’s Guide)
- How to Invest $5,000 (Beginner’s Guide)
- How to Invest $500 (Beginner’s Guide)
- How to Invest as a College Student (Even on a Tight Budget)
- How to Invest as a Teenager: Steps to Building Wealth in Your Teen Years
- How to Invest at Any Amount (From $0 to $10,000)
- How to Invest for Kids: A Parent’s Guide to Building Wealth Early
- How to Invest in a 529 Plan (And Start a College Fund That Grows With Time)
- How to Invest in a Roth IRA as a Student or Young Adult
- How to Invest in Bitcoin (Beginner’s Guide)
- How to Invest in Bonds
- How to Invest in CDs
- How to Invest in Commodities (Beginner’s Guide)
- How to Invest in Crypto
- How to Invest in ETFs
- How to Invest in Gold (Beginner’s Guide)
- How to Invest in Index Funds (Easy Way to Start)
- How to Invest in Money Market Funds (And When It Makes Sense)
- How to Invest in Mutual Funds
- How to Invest in REITs (Beginner’s Guide)
- How to Invest in Stocks: Beginner’s Guide
- How to Invest in the S&P 500 (and Get Started Easily)
- How to Invest in the Stock Market
- How to Invest Money (Beginner’s Guide)
- How to Invest Using Savings Accounts
- How to Invest with an HSA (Beginner’s Guide)
- How to Invest with Little Money (Beginner’s Guide)
- How to Invest with No Money (Beginner’s Guide)
- How to Open a Brokerage Account (Step-by-Step for Beginners)
- How to Open a Brokerage Account for a Child (Step-by-Step Guide)
- How to Open a Custodial Account for Your Child (And Start Investing Together)
- How to Pick the Right Online Brokerage (Without the Overwhelm)
- How to Rebalance Your Portfolio (and Why It Matters)
- How to Research a Stock: Beginner’s Guide
- How to Start Investing (Without Feeling Overwhelmed)
- How to Start Investing in Real Estate
- How Your Money Grows: The Power of Investing $100 a Month
- Intro to Alternative Investments: Beyond Stocks and Bonds
- Investing Basics: A Beginner-Friendly Guide
- Investing for Financial Independence: How to Reach FI
- Investing for the Long Term: Strategy + Psychology
- Investing in Your 20s: How to Build Wealth Early
- Investing in Your 30s: Grow and Protect Your Wealth
- Investing or Paying Off Debt: What Should Come First?
- Investing vs. Saving: What’s the Difference?
- Long-Term vs. Short-Term Investing: Which Strategy Is Right for You?
- Passive Income Explained: How to Build Earnings That Work for You
- Passive vs. Active Investing: Which Strategy Fits You Best?
- Portfolio Income Explained: How to Portfolio Income
- Real Estate Investing for Beginners
- REITs vs. Rental Properties: Which Real Estate Investment Is Right for You?
- Rental Income: How to Earn from Property and Space You Own
- Robo-Advisor Beginner’s Guide: Let Technology Grow Your Wealth
- Robo-Advisors vs. DIY Investing: Which One Is Right for You?
- Tax-Efficient Investing: How to Keep More of What You Earn
- The Difference Between Stocks, Bonds, and ETFs Explained
- The FIRE Investing Strategy: How to Invest for Financial Independence and Early Retirement
- The One-Fund Portfolio: Can Index Funds Alone Build Wealth?
- The Path to Financial Independence & Early Retirement (Without Burning Out)
- The Ultimate Guide to Financial Independence
- Types of Investments Explained: A Beginner’s Guide to Building Wealth
- Ultimate Guide to Income: 3 Types and 7 Streams to Build Wealth and Freedom
- Understanding Risk Tolerance: How Much Risk Can You Handle?
- What is Asset Allocation & Diversification?
- What Is Investing? A Beginner’s Guide
- What is Risk Tolerance and Asset Allocation?
- Why You Should Start Investing Now
Retirement
- Are You On Track for Retirement?
- Catch-Up Contributions: Max Out Your Retirement Savings
- Catch-Up Investing in Your 40s & 50s: How to Build Wealth When You’re Behind
- ETFs vs. Mutual Funds: What’s the Difference?
- Financial Planning by Age: What to Focus On in Every Decade
- How Compound Interest Builds Retirement Wealth
- How Much Do You Really Need to Retire?
- How to Create an Income Plan for Retirement
- How to Estimate Your Retirement Income Needs
- How to Grow Your Money: Guide to Investing, Retirement, and Wealth Building
- How to Invest $1,000 (Beginner’s Guide)
- How to Invest $10,000 (Beginner’s Guide)
- How to Invest $5,000 (Beginner’s Guide)
- How to Invest $500 (Beginner’s Guide)
- How to Invest at Any Amount (From $0 to $10,000)
- How to Invest Money (Beginner’s Guide)
- How to Invest with a Roth IRA
- How to Manage Money in Early Retirement
- How to Maximize Your 401(k) Contributions
- How to Open a 401(k): A Simple Guide to Start Saving for Retirement
- How to Open a SEP IRA (For Freelancers and Small Business Owners)
- How to Open a Solo 401(k)
- How to Open an IRA (Individual Retirement Account)
- How to Open, Use, and Invest with a SIMPLE IRA
- How to Roll Over a 401(k) Without Screwing It Up
- How to Save for Retirement at Any Age
- How to Save for Retirement if You’re Self-Employed
- How to Save for Retirement Without a 401(k)
- How to Update Beneficiaries on Retirement Accounts
- How to Update Beneficiaries on Retirement Accounts and Life Insurance
- How to Use Retirement Accounts to Reduce Taxes
- Investing in Your 60s+: Plan Your Drawdown and Legacy
- IRA vs. 401(k): Which One’s Right for You?
- IRA vs. Roth IRA: What’s the Difference?
- Retirement Planning 101: How to Secure Your Financial Future
- Robo-Advisor Beginner’s Guide: Let Technology Grow Your Wealth
- Rollover IRA vs. Roth IRA: What’s the Difference?
- SEP IRA vs. Solo 401(k): Which Is Right for You?
- The 4% Rule Explained (And Does It Still Work Today?)
- The FIRE Movement: Retire Early Without Sacrificing Your Life Today
- The Path to Financial Independence & Early Retirement (Without Burning Out)
- The Ultimate Guide to 401(k)s: How to Build Wealth for Your Future
- The Ultimate Guide to Early Retirement
- The Ultimate Guide to FIRE: Achieve Financial Independence and Retire Early (Without Losing Balance)
- Traditional IRA to Roth IRA Conversion: How-to Steps
- Understanding 401(k)s, IRAs, and Roth IRAs: Your Guide to Retirement Savings Accounts
- Understanding Required Minimum Distributions (RMDs) for Retirement
- What Happens to Your 401(k) When You Change Jobs?
- Why Retirement Planning Matters (Even If You’re Decades Away)
Wealth Building
- Building Wealth as a Couple or Family
- Building Wealth on a Modest Income: What Actually Works
- Building Wealth: The Ultimate Guide to Wealth That Last
- Capital Gains: How to Profit from Long-Term Investing and Asset Growth
- Financial Independence vs. FIRE: What’s the Difference?
- Financial Planning by Age: What to Focus On in Every Decade
- Giving and Philanthropy as Part of Wealth
- How HENRYs Can Build Lasting Wealth
- How to Build a Sustainable Income Strategy for Today and Tomorrow
- How to Build Generational Wealth That Lasts
- How to Build Passive Income Streams That Scale
- How to Create a Wealth-Building Plan You’ll Actually Stick To
- How to Diversify and Multiply Your Income
- How to Flip Houses and Make Money (The Smarter Way)
- How to Grow Your Money: Guide to Investing, Retirement, and Wealth Building
- How to House Hack: Live for Less and Earn More
- How to Invest for Legacy and Impact (Values-Based Wealth)
- How to Invest in Collectibles (Beginner’s Guide)
- How to Invest in Startups (Without Being a Millionaire)
- How to Pass On Wealth the Right Way (Without Family Drama)
- How to Protect Your Assets and Legacy
- How to Start Investing in Real Estate
- How to Think Like the Wealthy (Mindset & Behaviors)
- Intro to Alternative Investments: Beyond Stocks and Bonds
- Is Real Estate Right for Your Wealth Plan?
- Passive Income Explained: How to Build Earnings That Work for You
- Portfolio Income Explained: How to Portfolio Income
- Rental Income: How to Earn from Property and Space You Own
- Smart Money Habits for High Earners
- Smart Money Strategies for DINKs (Dual-Income, No Kids Households)
- Socially Responsible & ESG Investing: What You Need to Know
- Tax-Efficient Wealth Building Strategies
- The 5 Keys of Wealth Building Everyone Should Know
- The FIRE Investing Strategy: How to Invest for Financial Independence and Early Retirement
- The FIRE Movement: Retire Early Without Sacrificing Your Life Today
- The LGBTQ+ Guide to Building Financial Security
- The Mindset Behind Financial Independence
- The Path to Financial Independence & Early Retirement (Without Burning Out)
- The Ultimate Guide to FIRE: Achieve Financial Independence and Retire Early (Without Losing Balance)
- Top Money Growth Mistakes (And How to Fix Them)
- Ultimate Guide to Income: 3 Types and 7 Streams to Build Wealth and Freedom
- Wealth Accumulation vs. Wealth Preservation: What’s the Difference?
- Wealth Management Strategies for High Net-Worth Individuals
- What Does Wealth Mean to You?
- What Wealth Management Really Means
You’ve started learning — now it’s time to transform.
The Smile Money Academy™ is your next step: a membership that turns education into action with courses, tools, and community support.
Inside the Academy, you’ll get:
- Smile Money Paths –begin with the area that matters most to you today
- The Smile Money Blueprint™ — a 12-week program for holistic financial wellness
- Access to bonus resources, live Q&As, and mentorship
- A supportive community of people walking the same path