Why The Young Aren't Saving For Retirement
Young people often think they won’t live very long. Older people tend to believe they’ll live longer than they probably will. Both beliefs, new research| The Horizons Tracker
Part of Colorado’s rapidly aging demographic, Dave and Helene Van Manen left their mountain home in Beulah for a more practical future closer to family and medical care.| The Colorado Sun
Digital nomadism isn’t just for the young. The nomad lifestyle of roaming the world and taking in the sights while also earning a living can … Source| Search Remotely
Again, a prod to deliver gift-box savings bonds. Quickly. By David Enna, Tipswatch.com Savings Bond investors who are holding I Bonds in “gift-box” storage are getting emails from TreasuryDirect this week advising them to deliver the bonds to the intended … Continue reading →| Treasury Inflation-Protected Securities
Young people often think they won’t live very long. Older people tend to believe they’ll live longer than they probably will. Both beliefs, new research| The Horizons Tracker
The figure includes one foreign holiday a year, several UK breaks and about £75 a week for food.| HRreview | HR News, Opinion & Advice
For investors and retirees, Canadian telco stocks delivered the wrong numbers for a few years. While the Canadian stock market offered double digit returns, the telcos moved into a new area code called ‘the land of no returns’. Let’s ring up a few more telco puns, shall we? It was quite the disconnect. Telcos are […] The post Calling the bottom on Canadian telco stocks, on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
The TSX tops 30,000 for the first time. The Canadian stock market has topped the U.S. market in 2025. Also, gold shines on the Sunday Reads.| Cut the Crap Investing
D.J. and the “Henssler Money Talks” hosts break down Health Savings Accounts (HSAs) and explain why they’re one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time. The post Health Savings Accounts: The Hidden Gem in Your Fin...| Henssler Financial
Big changes may be coming to retirement plans. On August 7, 2025, President Trump signed an executive order directing the Department of Labor to explore making private assets — including crypto — more accessible in workplace retirement plans. Supporters say it could expand diversification; critics warn of added risk. The post Alternative Investments May Be Coming to 401(k) Plans appeared first on Henssler Financial.| Henssler Financial
This is the last post in our series on The Villages (TV), Florida. So far we’ve covered what there is to like and not like about TV as well as how to make the most of a Lifestyle Trip there. Today we’re going to assume you eventually decide that you want to buy a place […] The post How to Buy a Home in The Villages appeared first on ESI Money.| ESI Money
Today we continue our series on The Villages, Florida. Last time we discussed the Top Reasons to Move (Or Not Move) to The Villages, Florida. If you missed that, you may want to check it out. Today we’re going to cover everything about making the most of a lifestyle trip to The Villages (TV). What’s […] The post How to Make the Most of a Lifestyle Trip to The Villages, Florida appeared first on ESI Money.| ESI Money
As income grows, traditional retirement plans may fall short. Learn how backdoor Roths, after-tax 401(k) contributions, and annuities can help extend your tax-efficient savings. The post Where to Save After “Maxing Out” Your 401(k) appeared first on Central Trust Company.| Central Trust Company
When people think about retiring in France, the images that come to mind are often dreamy: long lunches on sunny terraces, leisurely strolls through charming villages, and endless glasses of wine or coffees at neighborhood cafés. It’ll be a permanent vacation! I completely understand the appeal — France is beautiful, rich in culture, and offers ... Read More about Why I wouldn’t retire in France as an American The post Why I wouldn’t retire in France as an American appeared first on ...| Oui In France
INTRO| Cresting The Hill
For Gen Z, with the unpredictability of job security and the known health risks of burnout, micro-retirement is becoming a desirable option.| Bluesky Thinking
What is a Roth 401(k)? A Roth 401(k) is an employer-sponsored retirement plan where you contribute money after taxes. Unlike a Traditional 401(k), where contributions are tax-deferred but withdrawals in retirement are taxed as income. The main advantage is that when you retire, both your qualified withdrawals and any investment earnings can be taken out […] The post Roth 401(k): What It Is, How It Works, and Why It Matters appeared first on Self Directed Retirement Plans.| Self Directed Retirement Plans
The state of the U.S. equity market has advisors and Retirement Club members downgrading their outlook for stock returns. Here's where recent retirees should consider putting their money. The post Why retirement planners are getting defensive appeared first on MoneySense.| MoneySense
Running a small business means wearing many hats—managing operations, building client relationships, and keeping your team motivated. One of the most important responsibilities is finding the right retirement plan for your small business. While large corporations often offer 401(k) plans, small business owners may find SEP and SIMPLE IRAs to be cost-effective, flexible retirement solutions. At SouthStar Bank, we’re committed to helping Texas business owners build strong financial futures....| SouthStar Bank, S.S.B.
Participants in defined contribution (DC) plans may have more access to several types of alternative investments under an executive order issued by President Trump in August. The post Alternative Assets for DC Plans appeared first on Word on Benefits.| Word on Benefits
A common misconception is that older adults are unwilling to adapt to the latest technologies. In reality, many retirees are using new tech to simplify their lives, support their health and remain connected with loved ones. Below, we highlight 10 tech tools, devices and apps to support your lifestyle in retirement. Tablets Seniors are increasingly ... Read more The post 10 Tech Tools to Support Your Retirement Lifestyle appeared first on Creative Planning.| Creative Planning
Key Takeaways There are many important financial decisions to make as you plan for retirement. One of those decisions is determining the optimal timing to begin taking Social Security benefits. While you can start taking Social Security as early as age 62, there may be some advantages to waiting until you’re older. Key Factors in ... Read more The post Timing Social Security: How to Get It Right appeared first on Creative Planning.| Creative Planning
Family caregivers help frail older adults and people with disabilities. But they get little support from the health care system. Two non-profits have solutions.| Forbes
It can still be done if you know where to look.| GOOD
Rumriver Art Center celebrates the incredible impact that Angie has has made. Through her teaching and creating a place of belonging, she has left both this art center and the world brighter. Enjoy this personal, heartfelt letter from Angie Renee – on her extraordinary journey and an announcement on her next steps. | Rumriver Art Center
Annual all-items inflation rose to 2.9%, the highest level since January By David Enna, Tipswatch.com In what could be a crucially important report, the Bureau of Labor Statistics reported today th…| Treasury Inflation-Protected Securities
Retirement isn’t a finish line—it’s a cash-flow game. Spend too fast and the later years feel tight; spend too slow and your Ringgit naps while your best trips pass by. In this Malaysia-first guide, I unpack the Go-Go / Slow-Go / No-Go spending curve, show how the 4% rule works (and where it doesn’t), and lay out a three-bucket system—Cash & Safety, Income & Stability, and Growth—so you can live well now and sleep well later. We’ll talk EPF, properties, REITs, global stocks, seq...| KCLau.com
Thailand is facing a significant decline in its birthrate, which, if not reversed, could lead to a shrinking population, labor shortages, and increased healthcare expenses for the elderly.| Thailand Business News
Today we’ll look at the core Canadian equity ETFs that you might use when you build a global ETF portfolio. The Canadian stock market is dominated by financials and energy. It is not a well-diversified index. It might be a case of pick your poison, a level of ‘undiversification’. That said, the weakness of the […] The post Core Canadian equity ETFs for your ETF portfolio, on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
Can you retire with one million dollars? Of course there are many questions to answer first. At what age? How much will you receive in government benefits? Are you single or with spouse? How much debt will your carry into retirement? What lifestyle do you want to live in retirement? Do you want to leave […] The post Can you retire on one million dollars in Canada? Plus, the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
The RRSP meltdown might be a Canadian retiree's greatest retirement hack. We lean on the RRSP/RRIF to enable larger CPP and OAS payments.| Cut the Crap Investing
Health care is a line item that rarely shrinks in retirement. Premiums, copays, and prescriptions stack up over the years, so trimming avoidable costs preserves cash flow. One lever many retirees overlook sits inside Medicare... Continue Reading The post Avoid IRMAA Surcharges: A Medicare Premium Playbook for Retirees appeared first on Define Financial.| Define Financial
Retiring in San Diego? Learn smart tax strategies to protect your income from California’s high taxes and make the most of your golden years.| Define Financial
Americans have not always prioritized financial education even though knowing how to make informed decisions about managing finances and avoiding risks forms a critical foundation to long-term stability. From investing in land and crops in the past to buying cryptocurrency today, people should take financial literacy seriously since it plays a vital role in anyone’s attempt to build wealth.| Money Fit
Thank you to Two Writing Teachers for creating an amazing community of writers and a safe, welcoming space to write and share. I retired at the end of the 2025 school year. I’m still finding my way…| Reflections on the Teche
It’s been awhile. In the blink of an eye we have now been residents of North Carolina for over a year. Time seems to have sped up these past several months! Or maybe it just does that the older you get. lol. Now that some time has passed since our move out of The Villages, […] The post Top Reasons to Move (Or Not Move) to The Villages, Florida appeared first on ESI Money.| ESI Money
The second half of life can bring a new found freedom from always making the most frugal of choices. It can be the time to spoil yourself a little.| Cresting The Hill
A recent Financial Post Family Finance column profiled a 71-year-old woman who found herself in a financial mess. She owned two rental properties, was forced into mandatory RRIF withdrawals, and was receiving CPP and OAS. The result? A giant tax bill and a lot of frustration. Her mistake was waiting until her 70s to get…| Boomer & Echo
Losing your spouse changes everything. But it does not mean you have to surrender control of your money or your future. Surround yourself with people you trust. Take the time you need before making big decisions. Get clear on the numbers.| Boomer & Echo
As I inch closer to death, I find myself thinking more about estate tax planning and the potentially massive tax bill my family might face if we're extremely lucky. To get ahead of it, I dug into how an irrevocable life insurance trust (ILIT) could help families save big on the so-called death tax. Picture […] The post How The Irrevocable Life Insurance Trust Saves Families From the Estate Tax Hammer appeared first on Financial Samurai.| Financial Samurai
If you want to FIRE, one of my regrets was pulling the ripcord too early at age 34 in 2012. Even though I started writing about FIRE in 2009 with the launch of Financial Samurai—trying to uncover as many blind spots as possible before taking the leap—I still feel like I made a mistake. In| Financial Samurai
Understanding the rules and regulations of your SDIRA is crucial to maximizing the benefits of your account.| SouthStar Bank, S.S.B.
Test your basic knowledge of the Federal Reserve and how its actions impact your money in our quick quiz.| Kiplinger
Your retirement accounts are your foundation for a secure future. However, changing jobs can raise questions about what happens to your contributions. You might also wonder what happens if you pass away before you retire. Understanding the rules helps you protect your assets and ensure the funds go where you want them to. Fortunately, unused [...] Read More... The post What Happens to Your Unused Retirement Account Contributions? appeared first on Accuplan.| Accuplan
Key Takeaways If you’re taking steps to save for retirement, you may be interested to know how your efforts stack up to others in your age group. It’s natural to wonder how you compare to others, especially as you make decisions about how to save and spend your income. Key Retirement Savings Statistics for 2025 ... Read more The post Average Retirement Savings by Age — How Do You Stack Up? appeared first on Creative Planning.| Creative Planning
I was very flattered when Yvette invited me to participate in her 2025 Summer Interview Series on her blog. My interview is lucky 13th in her series, and I’ve enjoyed reading each one; learning more about bloggers I already follow and meeting several intriguing, new-to-me bloggers. If you’d like to read my answers to … Continue reading "Asked and Answered"| Retirementally Challenged
When the flotsam and jetsam of my brain don’t warrant a whole post of their own. Book Festival Our local Public Broadcasting station and an area university celebrated literacy and the love of books this past weekend by hosting a Book Festival. It did my heart good to see the large number of people at … Continue reading "Pieces of My Mind: books, chocolate, deliveries, clothes"| Retirementally Challenged
This is the fourth post in my series, Organizing My Life, my ongoing project to create a roadmap for when I am no longer in the driver’s seat. There it was. Mixed in with various Facebook posts about exotic vacations, family celebrations, and funny memes, was a notice of a friend’s passing. She had moved … Continue reading "Creating a Digital Estate Plan – Social Media"| Retirementally Challenged
Springtime fills the air in my backyard with the delicious scent of citrus blossoms. At the same time our orange, lime, and lemon trees are bursting with fruit, their fragrant white flowers hold the promise of next season’s crop. As anyone with a home garden knows, there is something very satisfying about harvesting fruits or … Continue reading "If It’s Spring… It’s Time for Limoncello!"| Retirementally Challenged
Something has been missing from my world lately. Normally a bright-sider optimist, I have found myself feeling worried and uncertain and it has dampened my mood, affected my sleep, and sapped some of the joy from my life. My Happy Place has been infiltrated by uninvited squatters, and I want to get it back. I … Continue reading "Reclaiming My Happy Place"| Retirementally Challenged
When most people think of Winslow, Arizona, standing on the corner and flatbed Fords probably come to mind. But if you visit Winslow, don’t just take it easy, take a selfie, and go running on down the road. Although the Corner is a fine sight to see, you’ll miss what I consider the true jewel … Continue reading "Taking it Easy at La Posada"| Retirementally Challenged
Having an early January birthday has often meant celebrating indoors. When I was young, I envied those summer babies who could mark their special day with a beach bash or pool party. Following so closely after all the winter holiday celebrations, my birthday often felt like an afterthought… one that wasn’t necessarily welcome. Although my … Continue reading "Another Year Older"| Retirementally Challenged
Another trip around the sun and here we are on the last day of 2024. Even though I haven’t made New Years resolutions in years and even coming up with a Word of the Year seems like too much pressure, it’s always fun to think about the possibilities in the year ahead. But, before … Continue reading "Looking Back on 2024"| Retirementally Challenged
Congress could look to high earners to help offset lost revenue and possibly shore up the Social Security program.| Kiplinger
This guide lays out the puzzle pieces: what to do before you retire, what happens in the first year, and how three different retirement scenarios look in practice.| Boomer & Echo
Retirement for founders and stepping back from the family business means redefining roles so they stay relevant without becoming a bottleneck| Canadian Family Offices
On the Sunday Reads we're checking in on my wife's Canadian blue chip portfolio. Offering lower volatility and market returns, so far.| Cut the Crap Investing
All over the world the human population is aging. Birthrates are falling. They are below replacement levels in some rich societies. And life expectancy is increasing almost ev…| Mike Haynes - The Jobbing Leftie Historian and Researcher
When I discuss living on half of one’s income, I’m almost always met with, “that would be impossible for me.” They say it as if it were a fact, that some outside source is preventing them from living on significantly less than they make. This outside source is somehow keeping them from saving a good| Financial Success MD
I haven’t checked my net worth for four and a half months until recently. That wasn’t on purpose, because normally, since 2012, I check at least three times a week using Empower’s free app. The only reason I stopped was because I could no longer log in. One day, I was suddenly locked out of| Financial Samurai
How entrepreneurs can achieve early retirement with Coast FIRE by balancing business growth and financial independence. Practical steps and tips.| www.leanstartuplife.com
| Military OneSource
| Military OneSource
We’re continuing our series on the Top Seven Retirement Activities—the key habits and routines that make for a fun, meaningful, and well-rounded life after work. So far, we’ve covered: #1: Exercise and Staying Healthy #2: Building and Maintaining Strong Social Connections #3: Some Form of Work (Parts A and B) #4: Challenge Your Mind #5: […]| ESI Money
In today's ever-changing economic landscape, it is more important than ever to be proactive about managing your finances. During periods of uncertainty and change, such as economic downturns or personal financial crises, having a robust financial plan in place can be crucial. One way to bridge the gap during these challenging times can sometimes involve accessing quick financial support, such as a cashfloat same day loan. This doesn't mean relying completely on loans, but rather understanding...| Lean Startup Life
The Social Security Act marks its 90th anniversary this year. Learn how employers can help help educate workers about the role Social Security benefits may play in their retirement income.| Word on Benefits
The industry organization is pushing federal parties to tweak retirement savings rules to reflect current 'economic realities'| Investment Executive
Suggestions include eliminating GST/HST on investment fund management fees, raising RRIF conversion age and more| Investment Executive
Two recent studies help explain how Americans think about the financial aspects of their long-term care needs, and why they are so poorly prepared.| Howard Gleckman
The 2025 budget law will accelerate Social Security insolvency to 2032. The program will go insolvent during the term of the president who succeeds Donald Trump.| Forbes
“After one candidate, the only one in a suit, described the many virtues of community involvement, a heckler shouted, “Frank, what clubs are you part of in the community?” leading the candidate to admit that he hadn’t gotten the opportunity to join any clubs…yet. The other candidate ended up winning her seat, returning to work […]| CaMP Anthropology
Income splitting is one of the most useful strategies in retirement. And here’s a retirement tip that is often missed – taking full advantage of the spousal RRSP account. The spousal RRSP account allows a higher income spouse to transfer funds into the hands of a lower income spouse. Those funds will grow tax free; […] The post Retirement tip: use the spousal RRSP account on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
We’re continuing our series on the Top Seven Retirement Activities—the key habits and routines that make for a fun, meaningful, and well-rounded life after work. So far, we’ve covered: #1: Exercise and Staying Healthy #2: Building and Maintaining Strong Social Connections #3: Some Form of Work (Parts A and B) #4: Challenge Your Mind #5: […]| ESI Money
It’s time for a break! We’re off on a big adventure and I’ll be taking a blogging break until late October. #globetrottingwithDG #socialmedia #travel #blogging #globetrottinggrann…| Deb's World
A part-time job in retirement, like walking dogs or helping with home projects, can combat loneliness by sparking new friendships and boosting your social life.| Kiplinger
In my post, “How You’ll Feel Achieving Various Millionaire Milestones,” a commenter named Joseph shared these thoughts: “I’m fascinated by someone worth $10M or $20M not feeling wealthy. Are they hanging out with nothing but billionaires? The only other explanation is a scarcity mindset. But I suppose that mindset got them to where they are. They need| Financial Samurai
Many people aspire to financial freedom. Few actually achieve it. In The Simple Path to Wealth, JL Collins lays out a roadmap to financial independence. Whether you want to retire comfortably or just build up some "F-You Money," The Simple Path to Wealth can show you how. Continue reading →| Unsolicited Feedback
This type of post only surfaces during a bull market, when greed tug at us the hardest, making satisfaction elusive. Ever since making my first public equity investment in 1996, I’ve been hooked, wrestling with the constant mental tug-of-war over how to be at peace with my investment decisions. Maybe you fight the same battles.| Financial Samurai
After a week of reviewing the tax-free exclusion rule for selling a rental property, I decided not to sell. I’d already used my $500,000 tax-free exclusion amount and would need to wait at least two more years before I could potentially use the full amount again. Most importantly, I’m on a mission to boost my| Financial Samurai
To celebrate Millionaire Milestones: Simple Steps To Seven Figures making the USA TODAY national bestseller list, I want to share how you might feel and what you might do as you hit various levels of wealth (net worth). Perhaps by sharing, I'll motivate you to save and invest more aggressively. We'll start with reaching your first| Financial Samurai
Happy birthday, Social Security! President Franklin D. Roosevelt signed the Social Security Act into law on August 14, 1935, establishing a program that would grow over 90 years to become the foundation of retirement security in the United States. As we celebrate the remarkable accomplishments of Social Security during this anniversary month, it’s also important […] The post A Birthday Gift for Social Security: Action Now Will Protect Benefits for the Next 90 Years appeared first on Natio...| National Institute on Retirement Security
To commemorate the program’s 90th anniversary, Dan Doonan, Executive Director, National Institute on Retirement Security, issued a statement on the importance of the program and the need for a bipartisan solution to address funding.| National Institute on Retirement Security
Saving for retirement is more important than ever. Find out 7 top retirement savings goals that everyone should have here. Save now to retire right!| www.myfrugalfitness.com
Do personal finance journalists ever really retire? Jonathan Chevreau talks to Rob Carrick and other long-time writers about stepping back from full-time work.| MoneySense
Officially, I retired (or strictly speaking, was made redundant) on 28 February. But I was still teaching and directing a student project until the end of May, as well as fighting against various problems caused by different parts of the … Continue reading →| Peter Cameron's Blog
We've gotten a LOT of variations of this doomery question: "Why save for retirement when the world is on fire?" Here's our official take.| Bitches Get Riches
I’ve heard these experiences from at least 3 different couples/families after retiring early and quitting their jobs. It’s understandable when you discover| Physician on FIRE
Here’s how to support your parents and your adult children without sacrificing your retirement.| Kiplinger
Many men are still making these costly mistakes with retirement savings—learn the 8 most common errors and how to fix them.| Clever Dude Personal Finance & Money
In its upcoming term, the U.S. Supreme Court will decide when withdrawal liability assumptions must be adopted, impacting multiemployer pension plans and contributing employers.| Word on Benefits
Beyond the headlines: The new tax law's true impact for job seekers and investors lies in how it will transform industries and create opportunities in areas such as regional accounting, AI and outsourced business services.| Kiplinger
Here’s our latest interview with a retiree as we seek to learn from those who have actually taken the retirement plunge. If you’d like to be considered for an interview, drop me a note and we can chat about specifics. This interview was conducted in June. My questions are in bold italics and their responses follow in black. Let’s […]| ESI Money
The One Big Beautiful Bill Act (OBBBA) was signed on July 4, 2025, which changes tax planning and many other opportunities for retirees. This bill changes| Kindness Financial Planning
As many as three in ten older patients may acquire delirium in the hospital. And the consequences can be severe, including longer hospital stays and even death.| Howard Gleckman
Trump is changing Medicare, mostly focusing on providers. But the biggest impact may come from tariffs and deporting immigrants. Combined, these direct and indirect c| Howard Gleckman
From forgotten 401(k)s to outdated asset allocations, stuck money can hurt your retirement. Here's what to do about it.| Kiplinger
Make sure your retirement savings stay with you when you switch jobs. Explore these options to avoid costly mistakes.| Tencap LLC
Follow these three steps to ensure you are emotionally and financially prepared for your passion in retirement.| Kiplinger
Older adults may avoid a certain kind of age-related decline by picking up the pace.| Kiplinger
A different LISTEN update this month as I’m talking about Australian music and the recent countdown of the Hottest 100 of Aussie Songs by triple j. #WWWhimsy #whimsy #wordoftheyear #WOTY #mon…| Deb's World
Helping the retirement plan sponsor understand the potential benefits of benchmarking your plan on a regular basis.| OneDigital
