Retirement
105 articlesReaders can find walk-throughs, comparisons, examples and updates tied to employer match, contribution limits and Medicare planning, with attention to beneficiary planning, 401(k) plans and Roth IRA when those details affect costs, rights, exposure or timing.
Social Security Gaps Leave Women Facing Lower Retirement Income
Women in the U.S. routinely receive smaller Social Security checks than men due to lower lifetime earnings and interrupted careers. The difference can reach thousands of dollars per year and compound over decades of retirement.
Social Security checks face new pressure as 2027 COLA projections rise
Social Security's 2027 cost-of-living adjustment could be the largest in years, but rising Medicare premiums and persistent inflation may leave retirees with less real spending power than the headline numbers suggest
Kevin O'Leary's 15 Percent Savings Rule Faces a Harsh Paycheck Reality
Kevin O'Leary's 15 percent savings formula promises millions, but the median 401(k) balance is just $44,115 as rising rates and real incomes reveal the gap between theory and reality.
Retirees Face a Yield or Growth Dilemma in Volatile Markets
Many retirees hesitate to spend their savings, fearing they will outlive their money. Choosing between high-yield income and long-term growth investments can create risks if not balanced with cash reserves and a clear withdrawal plan.
Retirees find value in Lewiston as housing costs stay low
Lewiston's median home price undercuts the Maine average while retirees benefit from untaxed Social Security and strong hospital ratings. See how this former mill town is drawing new residents with affordability and access
Retirement Savings Shortfall: 30% of Americans in Their 50s Face a Future Without a Nest Egg
Nearly 30% of U.S. households in their 50s have no retirement account or pension, leaving many at risk of relying solely on Social Security and facing tough choices as retirement approaches.
Why Dividend-Paying ETFs Can Be a Smart Choice for Retirees
Dividend-paying ETFs can help retirees generate steady income and potential growth, offering a way to keep up with inflation while avoiding the pitfalls of relying solely on cash savings
Early Market Losses Slash Retirement Savings Longevity, Schwab Warns
A steep market downturn in the first years of retirement can drain portfolios years faster than most investors realize, even if average returns later recover. Schwab's research reveals how sequence-of-returns risk can devastate withdrawal plans.
Retirement Planning for Child-Free Adults: What You Need to Know
Adults without children may have fewer financial obligations, but retirement planning still demands careful attention to long-term care, estate management, and tax strategies to avoid costly gaps in coverage or unintended outcomes
September Social Security Payment Dates and What to Expect
Social Security beneficiaries will see payments arrive on four different dates in September, depending on when they started benefits and their birth date, while SSI recipients have a separate schedule to track
Retiring Abroad: Advantages, Disadvantages, and Key Considerations
Retiring overseas can lower living and healthcare costs, but U.S. retirees face complex tax rules, visa requirements, and potential gaps in Medicare coverage-making careful planning essential before moving
Hidden Costs of Rolling Over a 401(k) to an IRA
Rolling over a 401(k) to an IRA can trigger unexpected taxes, penalties, and higher fees. Understanding the rules and comparing costs is essential to avoid costly mistakes that could erode your retirement savings.
9 Best Places to Retire for Bird-Watching in 2026
Retirees seeking affordable living and strong healthcare access can find unique bird-watching opportunities in select U.S. towns and cities, with some locations offering tax advantages and access to major migratory routes
Elgin, Illinois: An Affordable and Active Retirement Destination
Elgin, Illinois offers retirees below-average home prices, no state tax on Social Security, and access to health care and cultural amenities, making it a practical alternative to pricier Chicago suburbs
Why Brazil Is Becoming a Retirement Hotspot
Retiring in Brazil may cost less than $1,000 per month per person in select towns, with affordable housing, healthcare options, and a warm climate drawing U.S. retirees seeking a lower cost of living
Best Southeast Cities for Retirees in 2026
Retirees considering the Southeast in 2026 face a mix of tax breaks, affordable housing, and access to healthcare, but state rules and local costs vary widely-making careful comparison essential for long-term financial security
Conway, New Hampshire: A Top Retirement Spot with Affordable Living and Outdoor Lifestyle
Conway, New Hampshire, stands out for retirees seeking lower housing costs, no state income tax, and year-round outdoor activities, but higher property taxes and limited public transit may affect household budgets and daily routines
Houston, Texas: An Ideal Retirement Destination
Houston's median home price of $263,563 and no state income tax on retirement income make it a standout for retirees seeking affordability, tax relief, and access to world-class healthcare in a major U.S. metro area
Why Treasury Yields Are Surging?
With just 29% of U.S. workers covered by traditional pensions and a sharp divide between public and private sector benefits, the shift to 401(k)s is reshaping retirement security and placing more risk on individuals
Niles, MI: An Affordable and Active Retirement Destination
Niles, Michigan offers retirees below-average home prices, lower daily expenses, and tax breaks on Social Security, while providing walkable downtown amenities and access to major health care and cultural options in nearby South Bend
Sioux Falls: A Top Retirement Destination in the Midwest
Sioux Falls stands out for retirees with home values below the national average, no state income tax, and access to major healthcare systems-factors that can stretch fixed incomes and reduce financial stress in retirement
Best Retirement Locations in the Southwestern United States
Retirees seeking lower living costs and tax advantages are increasingly looking to Texas, Arizona, New Mexico, and Oklahoma, where housing prices, property taxes, and daily expenses can be well below national averages
How Much Gen X May Need Saved for Retirement
Roughly 40% of Gen X households have no retirement savings, and those with accounts often fall short of industry benchmarks, raising questions about how this generation will fund retirement as pensions disappear
Thinking of Retiring Before 65? Here's the Nest Egg You'll Need in Each State
Retiring before age 65 can mean losing out on thousands in savings, higher health insurance costs, and reduced Social Security benefits-making early planning and backup strategies essential for financial security
Farmers Markets and Retirement: Top U.S. Cities with Strong Local Food Scenes
Retirees seeking affordable living and strong community ties are increasingly drawn to U.S. cities with vibrant farmers markets, where access to fresh produce, local agriculture, and tax-friendly policies can directly impact retirement budgets
Retiring Early: How Much You Need in Your 401(k) in Your 40s and 50s
Retiring before 60 means your 401(k) must last longer, but early withdrawals can trigger penalties. See how much savers in their 40s and 50s typically have-and why you may need far more to leave work early
9 Retirement Cities Near National Parks Offering Outdoor Access and Practical Amenities
Retirees seeking affordable living near national parks can find cities that combine outdoor recreation with strong healthcare, tax advantages, and lower costs-without sacrificing access to airports or cultural amenities
What to Do After Receiving a $50,000 Inheritance: Expert Advice
A $50,000 inheritance can help pay off high-interest debt, build emergency savings, or fund long-term goals-but experts warn that impulsive spending or letting cash sit idle can erode its value and limit its impact
Iowa City: A Top Retirement Destination with Low Cost of Living and Rich Cultural Life
Retirees considering Iowa City can benefit from a cost of living 6% below the U.S. average, affordable healthcare, and tax breaks on Social Security and retirement income, all while enjoying a vibrant arts and cultural scene
Jim Cramer's Three-Asset Strategy for Building Retirement Security
Jim Cramer urges retirees to focus on compounding, not trading, and outlines a three-part portfolio approach that balances index funds, select stocks, and insurance assets to help manage risk and long-term growth
Target Date Funds May Miss Key Retirement Risks for Investors
Millions rely on target date funds for retirement, but these funds often ignore personal factors like pensions, Social Security timing, and risk tolerance-potentially leaving investors exposed as they approach retirement
Homosassa Springs: An Affordable and Nature-Filled Retirement Destination
With average home values around $234,000 and a cost of living 12% below the U.S. average, Homosassa Springs draws retirees seeking lower housing costs, no state income tax, and year-round access to Florida's waterways and wildlife
Lewes, Delaware: A Top Retirement Destination with Coastal Charm and Tax Advantages
Lewes, Delaware, stands out for retirees with its low property taxes, no state sales tax, and a walkable historic downtown near beaches-yet home prices and rents run above national averages, requiring careful budgeting for long-term residents
Robert Kiyosaki Flags Major 401(k) Risk as Market Hits Highs
As U.S. stocks reach new records, Robert Kiyosaki warns that Americans relying on 401(k)s packed with equities could face steep losses if a severe downturn hits, raising questions about portfolio risk and retirement timing
Social Media Financial Advice: What to Believe and What to Ignore
A FINRA study found 61% of young investors act on social media financial tips, exposing themselves to higher fraud risk. We break down which viral money advice holds up-and which could cost you real dollars
Midwest Towns for Retirement: Affordable Living and Financial Benefits
Retirees considering the Midwest may benefit from lower home prices, varied state tax rules, and access to both urban and rural healthcare, but should weigh maintenance costs and local tax differences before relocating
The 5 Best Places to Retire Abroad-And Why They're Worth It
Rising U.S. living costs are pushing more retirees to consider South America, where cities like Cuenca and Medellín offer affordable healthcare, mild climates, and monthly budgets as low as $841 for singles or $1,835 for couples
Best International Places to Retire in Europe
Retiring in Europe offers Americans a range of climates, healthcare systems, and living costs, but key differences in residency rules, taxes, and affordability can significantly impact long-term financial security
How to Protect Your Retirement Savings Through Market Swings and Rising Costs
Rising costs and volatile markets are making it harder for retirees to ensure their savings last. Learn five practical strategies to help safeguard your retirement income and avoid common mistakes that can drain your nest egg too soon
States With No Statewide Sales Tax
Five states do not impose a statewide sales tax, but local taxes and exceptions can still affect your cost of living-especially for retirees considering relocation and everyday expenses
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