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How not to become your own worst enemy when it comes to your retirement

A majority of American workers look forward to retirement and the opportunity to do what they want with their time. However, if you are not careful, retirement could end up being a period of financial stress. Why? Sometimes, we are…

Nearly half of Americans failed a basic Social Security quiz

Do you know what the largest retirement program is in United States? It is Social Security. Now, how well do you know Social Security? According to a recent MassMutual survey of Americans age 50 or older, 47 percent failed to…

Using a side job to fund your retirement

Have you join the gig economy to pick up some extra cash to help fund your retirement years? However, if you don’t have a plan, those dollars can quickly get eaten up in day-to-day living. Josh Zimmelman, owner of Westwood…

Women can close the gender earnings gap

Women of all age groups have substantially less income for retirement than men according to a study by The National Institute on Retirement Security (NIRS). Women tend to have less cumulative time in the workforce, often earning lower pay, resulting in…

Is the hold harmless provision all that harmless? A new study states otherwise

More than three out of five retired workers depend on Social Security to provide at least half of their monthly income and another 34 percent rely on Social Security for almost all of their income. In Sean Williams’ article appearing…

This one decision could reduce your monthly Social Security benefits by 30 percent

Social Security was not designed to totally replace your pre-retirement income; however, around a third of Americans expect that Social Security will be a major source of their retirement income. Many people end up making their Social Security benefits even…

Social Security can’t run out of money, but needs financial help

In a recent Gallup survey of American workers, 51% of them felt that Social Security wouldn’t be there for them when it was time to retire. That’s a pretty dismal outlook from those whose payroll contributions are the lifeblood which…

Deciding when to claim Social Security shouldn’t be taken lightly

Sixty-two is the magical age that you first become eligible to claim your Social Security benefits, but in reality it’s just the starting point in an 8 year window of when you can apply. For those whose Social Security full retirement age…

When should you take Social Security? It all comes down to life expectancy

Probably the most frequently asked question from those approaching retirement is “When should I claim my Social Security benefits?”.  Considering the myriad of possibilities, the answer lies in another question –  “How long will you live?”  Of course, no one…

Planning your retirement? Here’s a guide

Planning for your future retirement can seem like a daunting task. But if you simply take some time to do a little studying and follow the advice of an expert, a lot of the stress associated with forecasting your post-career…

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