savings
Creating incentives for lifetime income solutions
Only 12 percent of private sector workers have access to traditional pensions, which, at one time, was the cornerstone of company retirement plans. “America’s retirement system is at a pivotal turning point, and a number of changes are needed to…
Decluttering to save money and space in retirement
We have seen those commercials depicting retirees with a carefree life; however, many older Americans entering their retirement years are experiencing anxiety due to decades of “just in case” purchases collecting dust in their garages or attics. These dust collectors…
You don’t have to run out of money in retirement
Nearly two in three Americans (64 percent) are more worried about going broke in retirement than dying, according to the 2025 Annual Retirement Study from the Allianz Center for the Future of Retirement. But what if things are not as…
Compound interest, the eighth wonder of the world
Most Americans think that to retire comfortably, you will need $1.5 million dollars in retirement savings. That figure is daunting for most individuals when the average annual salary across the U.S. is approximately $59,428. To reach that goal, you would…
The biggest retirement blind spots
Retirement saving plans are not one size that fits all. Your retirement plan, which encompasses both savings and spending, must meet both your financial needs and your personal needs. Many people understand the savings part of the retirement planning equation,…
Are you ready to retire early?
All the retirement experts advise us that we need between one and two million dollars before we can retire. Others say, don’t start your Social Security before age 70. All this advice is great, but isn’t it a personal decision…
More on Social Security’s financial dilemma
As a companion to another article posted today hereon, this Roosevelt Institute article by Stephen Nuñez provides substantial detail about why a Social Security issue exists, and what can be done to prevent the Social Security Trust Funds from being…
Social Security’s maximum benefit is unachievable by most – but don’t despair
Social Security’s so-called “maximum benefit amount” ($5,251 per month for 2026) is one which is quite difficult (some would say, impossible) to achieve. Indeed, it is likely unattainable for most beneficiaries, because it requires a nexus of several factors. Nevertheless,…
Traps to Avoid in Retirement
Suze Orman is, perhaps, one of the most respected guru’s when it comes to retirement planning. She is a regular guest on television and radio financial programs, and is often sought out for advice on financial matters. So, when Suze…
Social Security won’t be going bankrupt, but ….
The word “bankrupt” suggests that the Social Security program would disappear entirely, and that is not something which can realistically happen. But Social Security “insolvency” is, in fact, a real possibility – and that’s a scenario where Social Security doesn’t…