Discover the Best Insights for Every Stage of Retirement

Data Connection

The post Data Connection appeared first on Retirement Income Journal.

Athene tops 3Q2025 Annuity Sales, with 9.1% Share

Gross sales (excluding exchanges and surrenders) of annuities reached $117 billion in the third-quarter of 2025, according to fresh survey data from Winkintel. Prominent sellers included Athene, Equit...

Investment Advice Alone Isn’t Enough

Financial regulators long ago neglected to recognize that insurance is also a financial product, and that investments and insurance are complementary financial tools—especially for retirees, writes ou...

Research Roundup

We feature two deep-dive research papers on private credit. One is from Victoria Ivashina of Harvard Business School and the other from a team that includes Amir Sufi, co-author of "House of Debt" (U....

A Future Strategy

I have just returned from another enjoyable but exhausting trip to London to see our granddaughters. On this occasion, rather than driving, Mister E and I took the train and the journey proved to be t...

A Decade Can Change Everything

We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Bill Gates Having been retired for over 10 years now and taken 9 y...

12 Financial Moves to Start 2026 Strong

As 2025 wraps up, now may be the perfect time to tighten up your finances and set yourself up for a stronger year ahead. These 12 year-end money moves may help you save more, lower your tax bill, and ...

Trump’s Child Accounts: What Dell’s $6B Gift Fixes And Can’t Fix

Michael Dell’s $6B donation expands Trump’s child wealth accounts, but design flaws mean the largest benefits still flow to wealthy families.

Six Days Left To Fix Your Medicare Part D Drug Plan

Medicare Part D open enrollment ends Dec. 7. Compare drug plans now to avoid higher costs and coverage gaps in 2026.

There is No Substitute for Thinking

I can't stand AI-assisted writing anymore. It's all over Substack. It's in my LinkedIn replies. It's everywhere. Like a disease slowly infecting our literary consciousness. I even see it from people w...

Time to Buy A New Car: Mine Is 10 Years Old & Causing Problems

Well folks, the time has finally come to buy a new car. After buying eight cars in my first ten years out of college thanks to my former car addition, I now dread the idea. All I want is to drive one ...

What’s Your Plan For Financial Security In Retirement?

Feel confident and happy with a solid financial plan for your retirement years.

The Unexpected Gifts of Giving: How Helping Others Helps You Too

What if you could employ gift giving strategies that benefit the receiver and also provide the giver significant strategic financial and tax planning advantages? The post The Unexpected Gifts of Givin...

You May Be Owed Social Security Benefits: For Spouses, Former Partners And Survivors

Learn how Social Security benefits may apply to spouses, ex-spouses, and surviving partners. Find out if you’re eligible for extra payments and how to claim what you’re owed.

Gen X Is Quietly Dominating the Gig Economy, and TikTok Doesn't See It Coming

This week’s mixtape: corporate chaos, experienced workers demand, gig work, freelance statistics and Semi Charmed Life

Finding A Grittier Gratitude In The Midst Of Suffering

Genuine gratitude isn't born from ease—it's forged through hardship. Science and ancient wisdom reveal why suffering may be the path to lasting thankfulness.

Thankful for the Opportunity to Keep Competing and Thinking

At our core, we all just want a fair chance to compete. We don’t want handouts, and we certainly don’t want to rely on the Bank of Mom & Dad to prop us up as adults. They have their own retirement to ...

3 Tips To Help Prepare You For Retirement

Retirement is challenging because work provides structure to lives and a social network of friends. This article has three tips to address retirement issues.

Range Anxiety

Acquiring an electric vehicle has introduced me to various new concepts when it comes to driving. 'Range anxiety,' for instance, seems to be a phrase that crops up regularly. Progressing so suddenly f...

Your Life in Weeks

Tim Urban’s Life in Weeks is such a simple and powerful way to see your entire life laid out in weekly blocks.

Your Autumn Budget update, and what it means for you

The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan

Nature and Art

Ever since new research at Kings College, London suggested that visiting art galleries is good for our health, I seem to keep stumbling across commentary on the findings from that study. It concluded ...

Living Solely Off Social Security Benefits In Retirement Is Possible

About 10 years ago, I tried logging onto SSA.gov to check my Social Security benefits. You would think after decades of paying FICA taxes (6.2% for SS, 1.45% for Medicare), the government might make i...

Love Makes Medicine More Effective: The Science of Healing Together

Love acts as preventive medicine, shielding health by reducing loneliness, stress, and disease risks. Emotional support improves survival rates, lowers pain, and strengthens immunity. Across cultures ...

The Hidden Work of Settling an Estate and How Preparation Helps

When someone dies, families expect to feel grief. What they rarely expect is the number of decisions, forms, accounts, and urgent conversations with banks and institutions that suddenly land in their ...

How Timing Impacts RMDs, Roth Conversions, And Year-End Taxes

A year-end personal finance guide covering RMD deadlines, Roth conversions, HSA, contribution strategies, and key tax-saving steps to complete by December 31.

Mbappe sắm vai “siêu cò”, dụ Real Madrid chiêu mộ Upamecano & Konate

Mbappe sắm vai “siêu cò” không chỉ trên sân cỏ mà còn trong hậu trường chuyển nhượng của Real Madrid. Siêu sao người Pháp được cho là đang tích cực dùng ảnh hưởng của mình để thuyết phục ban lãnh đạo ...

Nhận định Cremonese – Roma vào lúc 03:00 ngày 23/11

Nhận định Cremonese – Roma trong khuôn khổ vòng 12 Serie A 2025/26 hứa hẹn sẽ là một trận cầu hấp dẫn và kịch tính. Trận đấu sẽ diễn ra trên sân vận động Giovanni Zini, nơi Cremonese sẽ tiếp đón một A...

Nhận định Liverpool – Nottingham Forest vào lúc 22:00 ngày 22/11

Nhận định Liverpool – Nottingham Forest lúc 22h00 ngày 22/11 hứa hẹn một trận cầu chênh lệch khi “Lữ đoàn đỏ” đang có phong độ cao được trở về sân nhà Anfield để tiếp đón một Nottingham Forest đang gặ...

Làm sao để giữ thể lực tốt khi thi đấu 90 phút?

Tìm hiểu cùng Xoilac làm sao giữ thể lực tốt khi thi đấu 90 phút là sự tổng hòa của một quá trình chuẩn bị khoa học, bao gồm dinh dưỡng thông minh, tập luyện chuyên biệt, phục hồi hiệu quả. Để duy trì...

Nhận định Bayer Leverkusen – Borussia Dortmund vào lúc 00:30 ngày 30/11

Nhận định Bayer Leverkusen – Borussia Dortmund đang nóng lên từng giờ khi hai ông lớn của bóng đá Đức chuẩn bị đại chiến tại BayArena. Trận đấu diễn ra lúc 00:30 ngày 30/11 hứa hẹn là màn so tài kịch ...

Mbappe không muốn giống Ronaldo, mơ ẵm Cúp C1, World Cup và Quả bóng vàng

Cùng Xoilac tìm hiểu bài viết Mbappe không muốn giống Ronaldo, một tuyên bố không chỉ thể hiện sự tôn trọng dành cho 1 huyền thoại mà còn là lời khẳng định đanh thép về con đường riêng mà siêu sao ngư...

Nhận định Pisa – Inter Milan vào lúc 21:00 ngày 30/11

Nhận định Pisa – Inter Milan đang nóng lên từng giờ khi nhà đương kim vô địch Serie A hành quân đến sân Arena Garibaldi với mục tiêu duy nhất là 3 điểm. Trong khi Pisa đang trình diễn lối chơi cởi mở ...

Nhận định Olympique Marseille – Toulouse vào lúc 03:05 ngày 30/11

Nhận định trận đấu giữa Olympique Marseille vs Toulouse tại vòng đấu này được ví như cuộc chiến giữa đỉnh cao và vực sâu về mặt phong độ. Trong khi đội chủ sân Vélodrome đang trình diễn thứ bóng đá tấ...

HLV Kim Sang Sik bất ngờ gọi Xuân Son lên tuyển Việt Nam ngay tháng 11 này

HLV Kim Sang Sik bất ngờ gọi Xuân Sơn lên tuyển Việt Nam cho đợt tập trung tháng 11/2025, tạo nên cơn địa chấn trong làng bóng đá nước nhà. Việc triệu tập 1 tiền đạo vừa trở lại sau gần một năm điều t...

Nhận định Atlético de Madrid – Real Oviedo vào lúc 03:00 ngày 30/11

Nhận định Atlético de Madrid – Real Oviedo đang nhận được sự quan tâm lớn khi cán cân sức mạnh nghiêng hẳn về phía đội bóng thủ đô. Trận đấu diễn ra lúc 03:00 ngày 30/11 tại Cívitas Metropolitano là c...

The 4% rule, revisited: A more flexible approach to retirement income

Experts weigh in on how the classic 4% withdrawal rule is evolving—and how retirees can tailor it to their own goals, risks, and income sources. The post The 4% rule, revisited: A more flexible approa...

KFF Health News: Kennedy Sharpens Vaccine Attacks, Without Scientific Backing

As the federal government prepares for the next meeting of its Advisory Committee on Immunization Practices, Health and Human Services Secretary Robert F. Kennedy Jr. has intensified his attacks on al...

KFF Health News: Complaints About Gaps in Medicare Advantage Networks Are Common. Federal Enforcement Is Rare.

Along with the occasional aches and pains, growing older can bring surprise setbacks and serious diseases. Longtime relationships with doctors people trust often make even bad news more tolerable. Los...

KFF Health News: As Health Companies Get Bigger, So Do the Bills. It’s Unclear if Trump’s Team Will Intervene.

A cancer patient might live in a town with four oncology groups, but only one accepts his insurance — the one owned by his insurer. A young couple could see huge bills after their child is born, becau...

Social Security Callers Waiting Hours, Or Sometimes Days, for Help

Seniors and people with disabilities calling the Social Security Administration (SSA) face endless looping music, long wait times, useless robot messages, and extended periods between a request and an...

Plan Your Dreams: 11 Guidelines for Building a Financial Plan for the Life You Want

The most important part of your financial plan isn't your rate of return. It is planning your dreams – whatever is important to you. The post Plan Your Dreams: 11 Guidelines for Building a Financial P...