Kiplinger Guide 2026: The Best Money Advice of All Time

March 10, 2026: In this month’s special publication from Kiplinger, a diverse group of 35 top financial experts share their best advice with Kiplinger readers, including Marguerita Cheng, CFP® Pro and CEO of Blue Ocean Global Wealth.

Scroll down for her insights, and click here to read The Best Money Advice of All Time.

Kiplinger’s editors explain: Financial advice is everywhere these days. In the digital age, you can find insights and tips about how best to save, invest and manage your money from adviser and financial services websites; YouTube, TikTok and other social media platforms; podcasts, newsletters and Substacks; and your 401(k) provider, among other outlets.

Then there are all the traditional sources, such as your financial planner, newspapers and magazines, and even your dear Uncle Lou, who always has a money tip or two to dispense. (Yes, despite all the new founts of financial wisdom, Americans are still more likely to turn to family and friends for money advice than any other resource, a recent Gallup survey found.)

The challenge, of course, is figuring out whether any of the many financial recommendations you come across are actually the very best advice you could get for your circumstances—guidance that will not only help you manage your money wisely but also provide perspective to keep you grounded, whatever opportunities, obstacles or challenges life throws your way.

That’s why we asked a diverse group of 35 top financial experts—acclaimed investors, advisers, money managers, economists, influencers and more—to share their  very best advice with Kiplinger readers. The essential question we put to them: Of all the many recommendations or insights about money you’ve given or received, what are the best, most meaningful or most impactful tips you want to pass along?

Their answers include not just practical suggestions on how to save, spend, invest and manage your money, but also insights that help put money and how we feel about it in perspective. We hope you find their responses as smart and useful—and, at times, surprising, moving and funny—as we did.

Marguerita Cheng, CFP® and CEO of Blue Ocean Global Wealth  says: Plan for long-term care.

“Think about if something happens to you as you age and you need long-term care: where you want to receive it, who will provide it, and how you’re going to pay for it. Then it’s really important that you tell your family what you want. There are different strategies you can employ to help finance long-term care—long-term care insurance, hybrid life insurance, hybrid long-term care annuities.

“Or there may be assets that you want to set aside to pay for care. But however you finance it, if you don’t address the subject, you’re making it difficult for your children and grandchildren. Your decision will affect three generations’ finances.”