#retirement-planning

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from24/7 Wall St.
4 days ago

Personal finance expert Suze Orman says this "is the #1 important thing in your life"

In May 2025 , Suze Orman predicted that the U.S. stock market will "absolutely skyrocket" through the remainder of the year and into early 2026. She urged long-term investors to stay invested rather than sell due to fear. Orman recommended building a broadly diversified portfolio by holding at least 25 to 50 individual stocks (or using index ETFs) to take advantage of growth. She specifically highlighted large-cap growth stocks and growth-oriented ETFs (e.g., SPYG, VUG) as likely to benefit in the near future.
Retirement
#social-security
Business
from24/7 Wall St.
1 week ago

Suze Orman Names 2025's Biggest Retirement Traps to Avoid

Delay Social Security benefits until full retirement age or, ideally, age 70 to maximize benefits and avoid over-reliance; build additional retirement savings.
US politics
from24/7 Wall St.
2 weeks ago

Are You Making These Common Social Security Mistakes?

Claim Social Security at the optimal age because claiming too early can significantly reduce lifetime benefits and jeopardize retirement income.
US politics
fromFast Company
1 week ago

The case for including crypto in your 401(k)

Employers must offer retirement access to alternative investments like cryptocurrency to meet younger workers’ demand for diversified, modern benefits.
#savings-benchmarks
Business
from24/7 Wall St.
1 week ago

The Biggest Difference Between American Millionaires and Everyone Else

American millionaires show greater retirement planning clarity and preparedness, especially when using financial advisors, leading to better accounting for market risks, taxes, and healthcare.
Retirement
from24/7 Wall St.
1 week ago

Your Portfolio Is Not Ready for Retirement: 3 ETFs to Secure Your Financial Future

Americans are underprepared for longer lifespans, scoring 60/100 in longevity readiness, with retirement finances as the primary weakness.
from24/7 Wall St.
1 week ago

4 High-Yield Muni Bond Monthly Pay ETFs

Many Boomers in 2025 need dependable passive income, and one outstanding way to achieve this is to invest in exchange-traded funds (ETFs). Unlike open-end mutual funds, ETFs trade on major exchanges like stocks. They own financial assets, including stocks, bonds, currencies, debt, futures contracts, and commodities such as gold bars. Having more passive income can help cover rising costs, such as mortgages, insurance, taxes, and other expenses.
Business
Retirement
from24/7 Wall St.
1 week ago

Baby Boomers: Don't Retire Today Before Answering These 3 Essential Questions

Retirees generally need about 70–80% of pre-retirement income and must audit expenses, manage debt, and account for limited Social Security replacement.
Real estate
fromIndependent
1 week ago

Should you use your tax-free pension lump sum to pay off your mortgage?

Sacrificing retirement savings to pay off a mortgage may not be worthwhile despite the psychological benefit of eliminating the largest recurring liability.
New York Islanders
fromAol
1 week ago

I'm retiring in 3 years and considering moving to NYC - but would it be crazy to retire in such an expensive city?

With $600,000, modest pension, and Social Security, buying a small Manhattan apartment may be possible, but high housing prices and living costs could strain finances.
Business
from24/7 Wall St.
2 weeks ago

Stock Market Live October 13: S&P 500 (VOO) Rises On Hopes Trade War Can Be Avoided

Rare earth stocks rise amid concerns about potential Chinese trade restrictions and markets react to President Trump's tariff warnings and weekend calming statements.
#withdrawal-rate
from24/7 Wall St.
2 weeks ago
Retirement

Suze Orman: Why the 4% Rule No Longer Works for Today's Retirees

Use a lower initial retirement withdrawal rate—around 3% or less—instead of 4% because market unpredictability, low interest rates, and longer lifespans increase longevity risk.
from24/7 Wall St.
1 month ago
Retirement

At 59 1/2, Can I Retire with $900,000 in My 401k and $400,000 Cash?

Having $900K 401(k), $400K cash, a $1,000 monthly pension, and a paid-off home may allow retirement at 59.5; healthcare and withdrawal planning are critical.
Real estate
fromwww.housingwire.com
2 weeks ago

Reverse mortgage industry urged to elevate standards, shift perceptions at NRMLA meeting

Home equity should be integrated into retirement planning as a risk-mitigation tool, but industry perceptions and education gaps hinder broader reverse mortgage adoption.
Remodel
from24/7 Wall St.
2 weeks ago

Is a Home Renovation Worth Delaying Your Retirement?

Paying $150,000 cash for a renovation risks delaying retirement by about five years due to lost investment growth and reduced retirement savings.
Retirement
from24/7 Wall St.
2 weeks ago

The 8% Retirement Rule: Freedom Sooner or Risk Too High?

Withdrawing 8% annually requires 100% stock allocation and carries far more risk than the traditionally recommended 4% rule based on mixed portfolios.
Business
from24/7 Wall St.
3 weeks ago

Retirement-Ready: 3 Dividend ETFs for Growth, Stability, and Income

Dividend-focused ETFs like VIG offer retirees reliable income and long-term investors compounding growth with low costs and sector-diversified quality stocks.
Business
from24/7 Wall St.
3 weeks ago

FBCG, FDVV & FIDI: 3 Fidelity ETFs to Generate Big Retirement Income

Tilting equity portfolios toward dividend-paying, large-cap Fidelity ETFs can provide market-beating income, defensive exposure, and long-term growth for retirement income.
Miscellaneous
fromIndependent
3 weeks ago

Financial future-proofing: five smart money moves to make in your 50s

Targeted financial decisions in your 50s build savings, adjust investments, and simplify the transition into retirement and the next life decade.
Business
from24/7 Wall St.
3 weeks ago

Why Don't We All Live Off Dividends? My Early Retirement Journey (NVDY)

YieldMax ETFs can deliver extremely high dividend yields, but most investors cannot sustainably live off dividends due to income needs, taxes, and scalability.
Real estate
fromwww.housingwire.com
3 weeks ago

Proprietary reverse loans give younger homeowners more options

Reverse second-lien mortgages like HomeSafe Second enable homeowners aged 55 and older to access equity with no monthly payments while preserving low-rate first mortgages.
#passive-income
from24/7 Wall St.
4 weeks ago

My Fidelity 401k Shows No Growth and Think It's Time To Move Out of SPAXX

A 401-K plan is a company-sponsored retirement account. Employees contribute their designated percentage of their income to be allocated. Employers often may offer to match at least a portion of these contributions. Contributions are made with pre-tax funds. There are two types of 401-K account categories: traditional and Roth-which differ primarily in how they're taxed. Assuming one is over age 59 ½, traditional 401-K withdrawals are taxed as income at the participant's income bracket at the time of withdrawal,
Retirement
Relationships
fromBusiness Insider
4 weeks ago

When my 20-year marriage ended, I had no job and knew little about money. Now, I'm confident in my financial future and career.

A divorce forced a woman to urgently learn and organize her own finances, locate accounts, set budgets, reenter the workforce, and plan for retirement.
from24/7 Wall St.
1 month ago

I Use These 3 Overlooked Roth IRA Strategies Every Year

Even small optimizations can become meaningful. Assuming a $5,000 initial investment and annual $5,000 contributions for 25 years, the difference in improving your IRR just 1% and going from 8% to 9% annual returns results in nearly $67,000 more in your retirement account. So it's worth spending a little extra time to make sure you're getting the most out of your Roth IRA by understanding all the various benefits and strategies.
Business
Retirement
from24/7 Wall St.
1 month ago

The 10 Most Common Spending Categories in Retirement

Retirement spending expectations concentrate on familiar categories like housing, healthcare, and lifestyle, and planning should be based on expected post-retirement expenses rather than a single target balance.
Business
from24/7 Wall St.
1 month ago

I have credit card debt I can't get rid of - should I use my savings to pay it off?

Use higher-return savings to pay down higher-interest credit card debt to reduce interest costs and relieve financial burden.
Television
fromFast Company
1 month ago

Why The Golden Girls offers a perfect blueprint for modern retirement

Embracing communal adult co-living modeled on The Golden Girls can reduce housing costs, increase social support, and improve stability before and after retirement.
fromIndependent
1 month ago

Your money questions: I worked in Ireland and in England, so what level of state pension can I expect?

Q: I worked in Ireland from the age of 19 until I was 33. I then went to England, and that was 21 years ago. I am now hoping to return home within the next 12 months or so. Assuming I will return to work and retire at the normal age, what kind of a state pension would I receive and how is it calculated?
Miscellaneous
Miscellaneous
fromSFGATE
1 month ago

IRS Retirement Rules Under SECURE 2.0 Act: 5 Key Takeaways

SECURE 2.0 alters retirement rules for older adults: larger catch-up contributions, Roth treatment for high earners, timing changes, and homeowner planning impacts.
Business
from24/7 Wall St.
1 month ago

Hear Jack Bogle's Amazing Advice For Boomers Nearing Retirement

Shift asset allocation toward bonds as retirement approaches to preserve accumulated wealth and avoid excessive risk.
Business
from24/7 Wall St.
1 month ago

If The Stock Market Tumbles, Is It the Best Time to Do a Roth Conversion for Your IRA?

Converting traditional retirement accounts to Roth during market downturns can lower immediate tax costs and enable tax-free growth when markets recover.
fromIndependent
1 month ago

Personal Retirement Savings Accounts (PRSAs) - how to find the best one for you

PRSAs help those without a company pension to save for retirement, but how do you find the one most suited to your needs?
Retirement
fromFast Company
1 month ago

The self-defeating beliefs that may keep Gen X from retiring

Generation X prides itself on never being surprised, which has generally served us well. Keeping our expectations low and our cynicism-level high has allowed Gen X to remain agile throughout numerous economic and political upheavals. But what if the attitudes that protect us from life's difficulties are also holding us back from our goals? Specifically, many in Gen X may find that the cynicism we have proudly used as armor throughout our lives may be getting in the way of retirement.
Mental health
UK news
fromwww.theguardian.com
1 month ago

UK pension savers urged not to withdraw cash due to budget fear and rumour'

Many older savers are withdrawing pension cash amid budget rumours, risking long-term retirement security and reacting to possible tax and inheritance rule changes.
from24/7 Wall St.
1 month ago

5 Safe Monthly Pay Dividend Stocks Offering Boomers a Lifetime of Income

The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually for those born from 1955 to 1960. For anyone born in 1960 or later, full retirement benefits are payable at age 67. Baby Boomers and those nearing retirement are likely aware that Social Security alone will not provide a comfortable retirement, so passive income can be a significant help in increasing overall monthly income.
Business
fromFast Company
1 month ago

This is not your grandmother's AARP

What we recognize is that it's important for us to be there earlier, and it's important for us to be there at these important life moments-whether or not it's your first job, when you're planning for a family, when you start to think about retirement and saving,
Non-profit organizations
Careers
fromAbove the Law
1 month ago

The 5 Biggest Retirement Planning Mistakes Lawyers Make (And How To Fix Them) - Above the Law

Lawyers' career-conditioned mindsets cause common retirement planning mistakes, but identity expansion, realistic earnings assumptions, and proactive transition steps can prevent them.
US news
fromFast Company
1 month ago

The 5 best states for retirement. No. 1 will surprise you

New Hampshire ranks as the best U.S. state for retirement based on affordability, safety, healthcare, taxes, recreation, weather, and presence of similar-aged residents.
from24/7 Wall St.
1 month ago

U.S. Adults Under 40: Maxing Out Retirement Accounts and Other Smart Money Moves to Ensure a Comfortable Retirement

As you approach your 40s, it's natural to reflect on past financial choices and wonder if different decisions might have set you up better for the future. Questions like whether you should have spent less on travel, bought a different car, or chosen another home often surface as retirement looms closer. This stage of life is when many begin to seriously assess whether they're on track to retire comfortably.
Business
#pensions
fromIndependent
1 month ago
Miscellaneous

'People's eyes light up when they realise they can get a 1m pension pot with only 220k of net income'

fromIndependent
1 month ago
Miscellaneous

'People's eyes light up when they realise they can get a 1m pension pot with only 220k of net income'

Film
fromFast Company
1 month ago

What retirement might look like for the characters of 'The Breakfast Club'

Forty years later, former Breakfast Club members face adult realities such as careers, financial setbacks, and efforts to rebuild retirement savings.
Retirement
from24/7 Wall St.
1 month ago

I'm A 54y Boomer Facing a Possible Layoff And Don't Know What To Do Financially

A 54-year-old with substantial retirement savings, a low-rate mortgage, one-year severance, and pension options faces minimal financial risk from an impending layoff.
from24/7 Wall St.
1 month ago

Boomers Are Just Now Finding 5 Dividend Gems Yielding 7% and More

While reaching retirement age can be both a blessing and a curse, relying on the U.S. government to provide for your needs is not the best idea. The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually for those born from 1955 to 1960, reaching 67. For anyone born in 1960 or later, full retirement benefits are payable at age 67.
Business
Business
from24/7 Wall St.
1 month ago

Should I really put my entire $35,000 401k into the S&P 500 (VOO, SPY) until 2040?

Investing an entire 401(k) in the S&P 500 can maximize long-term, low-fee returns but requires consideration of concentration risk and future portfolio adjustments.
Business
from24/7 Wall St.
1 month ago

75% of Americans With a Financial Advisor Say They'll Be Ready for Retirement, Only 45% Without

Working with a financial advisor increases the likelihood of being prepared for retirement, especially for those who struggle to save or understand investing.
from24/7 Wall St.
1 month ago

Dave Ramsey: Do These 5 Things Now to Achieve Wealth

But there's something about putting pen to paper that helps mentally solidify your intentions. And when it comes to growing financially, having a budget is critically important. That includes itemizing your assets, liabilities (e.g., expenses) and income. That income should include your present pay from working, but could also include potential future sources like Social Security benefirts, pensions, investments, and retirement accounts.
Business
#retirement-savings
Careers
fromBusiness Insider
1 month ago

I'm a single boomer living paycheck to paycheck. I've been too busy living in the moment to plan for retirement.

Delayed retirement savings and not owning a home have created financial concern and regret while peers retire, prompting urgent planning and catch-up actions.
fromConde Nast Traveler
3 years ago

The 15 Best Places to Retire in the US

If you've ever daydreamed about the best places to retire in the US, you're in good company. If you're like most people, career demands dictate where you plant your roots for most of your life-then, once retirement rolls around and you no longer have to worry about a daily commute or company requirements, the possibilities are suddenly endless. Now it's time to choose your next address, but where to start?
Healthcare
from24/7 Wall St.
1 month ago

9 Investments That Pay Monthly Income

When you think about all of the different ways you can create monthly income, you have to think beyond just the traditional job. There is no question that working is the single best way for you to generate money, but what about investments you can make that would do the same thing. For many people, even small investments can yield significant returns with a monthly income.
Real estate
Business
from24/7 Wall St.
1 month ago

How Much Do I Need To Retire On Dividends Alone?

Living off dividends can fund retirement while preserving portfolio growth, but required yield depends on individual growth goals and monthly budget.
Cars
from24/7 Wall St.
1 month ago

57-Year-Old American Faces $150K Debt as Millions Near Retirement with Little Savings

Diane, 57, carries $150,000 in debt with no emergency fund and must strategically reduce debt, build savings, and adjust retirement plans.
fromBusiness Insider
2 months ago

I came out of early retirement after buying an expensive home I didn't need. Here are the mistakes I made.

I retired at 34 in 2012, and my wife retired a few years later at 35 in 2015. We've been mainly living off our passive income and investments since. In 2023, I bought an expensive home I didn't need, becoming house-rich and cash-poor. Buying this house affected our desired lifestyle in San Francisco. As a family of four with two children, we had less liquid or passive income, which made me feel quite uneasy.
Real estate
fromwww.mercurynews.com
2 months ago

Harriette Cole: After they married, she showed a different side of herself

It's too bad that your brother and his wife didn't talk about these things beforehand and map out a plan for the future, especially something as important as where they want to live. Obviously, you cannot control what he does, but you might recommend to him that the two of them sit down and review their goals for the future based on available resources, needs and desires.
Relationships
Business
fromBusiness Matters
2 months ago

Dennis Farrah on Resilience, Leadership, and Legacy

Dennis Farrah built a 40+ year tax and retirement planning career grounded in integrity, service, and community engagement, prioritizing values and family over wealth.
Real estate
fromSFGATE
2 months ago

Understanding the 60% Reverse Mortgage Rule: 5 Key Takeaways

Federally insured reverse mortgages limit initial access to about 60% of loan proceeds to protect long-term home equity and prevent rapid fund depletion.
from24/7 Wall St.
2 months ago

Retiring in 3 Years And Need $5,000 A Month, What Portfolio Works Best?

Is your retirement close? There's nothing to fear. There are ways to make your retirement financially secure and comfortable. Even if you have only 3 years before retirement, it is possible to build a passive income stream. You can achieve the monthly goal of earning $5,000 in dividends if you invest right. The first step is to start with high-yield exchange-traded funds (ETFs).
Business
Retirement
fromSFGATE
2 months ago

Seniors Are 'Unretiring' Due to Housing Costs: What To Know

Rising housing-related costs are forcing many retirees to delay or reverse retirement and seek paid work to cover higher expenses.
Business
from24/7 Wall St.
2 months ago

5 Safe High-Yield Dividend Kings That Every Retiree Should Own

Dividend Kings—companies raising dividends 50+ years—provide dependable, high-quality dividend stocks for retirees seeking reliable passive income beyond Social Security.
from24/7 Wall St.
2 months ago

Why I'm Confused About Backdoor Roth IRAs and Traditional IRA Benefits

One of the most important decisions anyone has to make in achieving their financial goals is how to invest their money. This might sound like something you can decide in just a few minutes, but let this be a reminder that any decision now can have long-standing consequences, so you have to decide carefully what your first or next move is going to be.
Business
Business
from24/7 Wall St.
2 months ago

The Great 8% Dividend Stocks - 4 That Can Deliver Huge and Secure Passive Income

High-yield dividend stocks paying 8% or more can provide dependable passive income for growth and income investors.
#tax-deductions
fromSFGATE
2 months ago
Retirement

500,000 Retirees in Nevada Qualify for the 'Senior Deduction' Under Big, Beautiful Bill

fromSFGATE
2 months ago
Retirement

500,000 Retirees in Nevada Qualify for the 'Senior Deduction' Under Big, Beautiful Bill

from24/7 Wall St.
2 months ago

3 ETFs Smart Retirees Have in Their Portfolios

ETFs allow retirees to invest effortlessly in hundreds or thousands of stocks while managing risk with lower fees.
Retirement
fromIrish Independent
2 months ago

'Striking and unexpected' - the age group most likely to have out-of-control debts revealed

"Our data shows that the path to insolvency converges significantly on the later stages of a person's working life and beyond."
US politics
Cryptocurrency
from24/7 Wall St.
2 months ago

My $170K YOLO Into Yieldmax and the Lessons Learned

YieldMax ETFs can potentially turn $170,000 into a cash-flow generator, but investing should be cautious due to high risks.
Retirement
from24/7 Wall St.
2 months ago

My husband wants me to retire in my 40s but I don't know if it's financially realistic

Handling retirement planning is complicated for couples with age gaps due to differences in access to retirement funds.
from24/7 Wall St.
2 months ago

I Want To Retire at 50 With $5 Million But Need to Shift From Stocks to Bonds: How Do I Rebalance My Taxable Portfolio Efficiently?

Reevaluating a financial portfolio as retirement approaches is crucial for safeguarding against market volatility. A balanced approach helps ensure financial stability.
Retirement
US politics
from24/7 Wall St.
2 months ago

Breaking Down Trump's Tax Bill: Here's What It Means for This Household

High-income families often face significant stress during tax season due to complex financial situations.
fromSFGATE
2 months ago

Trump's Retirement Plan Shake-Up Includes Real Estate: 5 Key Takeaways

Trump's executive order allows 401(k) holders to invest in alternative assets like private equity, cryptocurrency, and real estate, potentially diversifying retirement savings.
Retirement
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