Retirement - Page 2
58 articles
What Is a Die-With-Zero Retirement?
The die-with-zero approach urges Americans to spend on experiences and family giving throughout life, not just in retirement, but balancing present enjoyment with future security requires careful planning and awareness of longevity and healthcare risks
How Much Couples Need to Retire in Each State
Median savings for Americans in their 30s and 40s fall far short of the typical down payment needed for a home, with high prices and closing costs widening the gap and forcing buyers to seek new strategies to build cash reserves
Waiting Until 70 to Claim Social Security Can Pay Off Big
Delaying Social Security benefits until age 70 can boost monthly payments by more than 75% compared to claiming at 62, but the strategy requires careful planning to bridge income gaps and manage retirement savings withdrawals
9 Top Places to Retire in the Western U.S.
Retirees seeking affordable living, tax advantages, and access to outdoor recreation are increasingly considering smaller Western cities like Casper, Evanston, and Pomeroy, where home prices can be over $50,000 below the national average
7 States With Tax Breaks for Retirees
Retirees can keep more of their income in certain states that offer exemptions on Social Security, pensions, and military retirement pay-while nine states skip income tax entirely, affecting how far retirement savings stretch
How Many Americans Work Beyond Age 65?
Nearly one in five Americans age 65 and older are still in the workforce, with many shifting to part-time jobs. This trend is reshaping retirement planning and highlights the need for flexible income strategies as financial pressures evolve
How Much Money Couples Need to Retire Comfortably in Each State
A recent survey found Americans believe they need $2.09 million to retire comfortably, but actual needs depend on retirement age, lifestyle, inflation, and withdrawal strategy-factors that can dramatically change the amount required
Median 401(k) Balances for Workers in Their 30s: What to Know
The typical 401(k) balance for Americans in their 30s is now $78,900, but competing financial demands and access to retirement plans can make saving a challenge for many in this age group
Where Retirees Find the Best Healthcare Access and Quality in 2026
Retirees face major differences in healthcare access and quality depending on where they live, even with standardized Medicare coverage. See which U.S. cities offer the strongest mix of hospital options and care ratings for older adults
Vanguard's $111,000 IRA Move Lets Retirees Sidestep New Tax Limits
Retirees face new hurdles on charitable deductions in 2026, but a little-known IRA strategy allows them to give more to charity while avoiding higher taxes and Medicare premium surcharges
Nursing Home Costs Now Top $10,000 a Month for Many Families
The average price of a U.S. nursing home stay has soared to nearly $10,000 per month, leaving families with tough choices as Medicare covers only limited care and out-of-pocket expenses mount rapidly
Retirement Savings Targets at 59: How Much Is Enough
Approaching age 59 means you're nearing penalty-free retirement withdrawals, but most Americans fall short of recommended savings multiples. See how much you should have saved, what the data shows, and practical steps to close the gap
How Mason City Delivers Affordable Retirement Without Sacrificing Culture
Mason City, Iowa, offers retirees a cost of living 6% below the U.S. average, median home prices under $155,000, and a vibrant arts scene-raising the question of what trade-offs, if any, come with small-city retirement in 2026
Sarasota's High Cost of Living vs. Florida's Tax Perks for Retirees
Retiring in Sarasota means paying above-average housing and food costs, but Florida's lack of state income tax and generous property exemptions can offset some expenses for retirees seeking an active lifestyle
9 U.S. Cities Where Retirees Can Live Near National Parks
Retiring near a national park can lower living costs and boost access to outdoor activities, but tax rules and healthcare options vary widely by location. Here's what to know before making a move
8 South Pacific Islands Where Retiring Costs Less Than You Think
Rising U.S. living costs have retirees looking abroad. These eight South Pacific islands offer affordable monthly budgets, unique cultures, and practical visa options for Americans seeking a lower-cost retirement with ocean views
Retiring in the South: Lower Costs, Tax Perks, and Key Trade-Offs
Southern cities attract retirees with affordable housing and no state income tax in places like Texas, but higher property taxes and car-dependent lifestyles can offset savings for those considering a move
How High Earners Max Out 401(k) Plans-and Why It Matters
Just 14% of U.S. workers with defined contribution plans reach the annual 401(k) contribution limit, with higher-income earners far more likely to do so. Early, aggressive saving can dramatically increase retirement balances through compounding
ChatGPT's Limits in Retirement Planning Could Cost You
AI can answer basic retirement questions, but relying on it alone risks missing critical details, outdated advice, and personal nuances that shape your long-term financial security
Retirement Income Plans Often Miss This Costly Inflation Risk
Many retirees build their income strategy around current yield, but that approach can leave them exposed as inflation erodes purchasing power over time. Here's what most retirement budgets overlook-and how to plan for rising costs
Most Retirees Don't Rely on Social Security as Much as Surveys Claim
While many retirees say Social Security is their main income, federal tax data shows only 14% actually depend on it for 90% or more of their retirement income, revealing a gap between perception and reality
Baby Boomers Face Retirement With Record Debt Levels
A growing share of baby boomers are entering retirement with substantial debt, including mortgages and credit cards, raising new risks for fixed-income households as healthcare and living costs climb
How Much You Need to Retire Comfortably in North Carolina
Retiring in North Carolina may cost less than in many states, but most couples still need nearly $940,000 in savings to maintain a comfortable lifestyle beyond Social Security benefits
DOL Faces 40,000 Comments on New Retirement Plan Rules
The Department of Labor's proposed ERISA regulations have sparked over 40,000 public comments, revealing sharp divides among fiduciaries, plan sponsors, and industry groups over how retirement plans should handle private assets and litigation risk
How Leaving a Job Can Impact Your 401(k) and Retirement Savings
Changing jobs can trigger unexpected 401(k) moves, forced cash-outs, or automatic rollovers. Learn how balance size, account type, and IRS rules affect your options-and what steps to take to avoid taxes, penalties, or lost investment growth
Retirement Savings Fears Grow as Americans Brace for Shortfalls
A new survey finds 62% of Americans worry they'll reach retirement age without enough savings, as concerns mount over Social Security cuts, rising living costs, and the high price of long-term care
Vanguard Warns Investors: Emotional Scams Are Costing Billions
Vanguard’s latest research highlights how scammers exploit fear, urgency, and trust to bypass investor defenses, with U.S. fraud losses hitting $15.9 billion in 2025. Older adults face the steepest financial risks from these evolving schemes
How SpaceX’s Nasdaq-100 Debut Impacts Your 401(k) Investments
SpaceX’s rapid entry into the Nasdaq-100 means millions of Americans now hold a stake in Elon Musk’s company through index funds, even if they never bought the stock directly. Here’s what that means for your retirement portfolio and risk exposure
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