A 64-year-old single retiree with $1.5 million in a traditional 401(k) looks at the balance with quiet satisfaction. Then a fee-only planner runs the projection. By age 73, when required minimum distributions kick in,…
At 65 with $1.9 million saved, this retiree's biggest risk may not be losing money in the stock market. It may be trying too hard not to. After decades of work and disciplined saving,…
Around four in 10 older households receive income from work, according to Pew research. Pew Charitable Trusts also reports that a growing number of Americans are planning to work past the traditional retirement age. …
Your decision about claiming Social Security can be very complicated. You have an eight-year window when you can start your benefits, but starting at 62 (the earliest age you’re allowed) is going to have…
The 4% withdrawal rule was built for a different rate environment. Today, with the 10-year Treasury yielding about 4.4% and core PCE inflation sitting in the 90th percentile of its 12-month range, retirees are…
Many Americans reach retirement age only to realize they may not have enough money saved to comfortably support themselves long-term. Whether due to rising living costs, healthcare expenses, inflation, or poor money habits, many…
Not having a job is the dream part. A $500,000 portfolio that quietly pays you about $2,680 a month means money shows up without a commute, a boss, a time clock, or a Monday…
A growing cohort of affluent couples is spending down the 401(k) between 65 and 70 and delaying Social Security until 70, locking in a benefit that is 24% larger and inflation-protected for life. Consider…
The Nationwide Retirement Institute’s 2025 Social Security Survey delivered a number that should stop anyone planning for retirement in their tracks. Fifty-six percent of American adults say they could not financially survive missing even…
A new Nationwide Retirement Institute survey paints a stark picture: most Americans approaching retirement do not actually understand the program they are banking on. Only 21% of respondents correctly identified their full retirement age…
A new Nationwide Retirement Institute survey lands on a fear most retirees can already feel: 66% of current Social Security recipients and 69% of those expecting future benefits believe tariffs will push inflation beyond…
The fear is loud, and the data backs it up. According to the Nationwide Retirement Institute’s 2025 Social Security Survey, 83% of Americans currently receiving or expecting to receive Social Security are concerned about…
Getting a mortgage in 2026 is not just about finding the right rate or saving for a down payment. It is about clearing a credit bar that has barely budged, even as everything else…
Many Americans want to have it all, even if they don’t have the funds to pay for it. Enter buy now, pay later (BNPL) programs. Risk-free instant gratification? Well not really, says Brian Preston…
Three thousand dollars a month, or $36,000 a year, can cover the basics for regular households: rent, groceries, car costs, healthcare, and utilities in many parts of the country. For wealthier retirees, the same…
