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Wealth reflects a life organized around relationships, health, contribution and time — qualities that compound differently than money in a mutual fund.
If you're under 65 and want to retire soon, your plan may be derailed by skyrocketing ACA marketplace premiums. Here's what you can do.
Hello! My name is Charley Locke, and I report on aging for publications including The New York Times Magazine, Bloomberg Businessweek, and The Atlantic. (You can see my work here: https://charleylocke...
More people are saving for retirement than ever before – and they’re saving more. But health care costs in retirement are soaring, and and poverty rates among older Americans are rising for the first ...
Retiring after age 65 changes the math and the priorities. You have fewer high-energy years, shorter tax planning windows, and RMDs much closer than most people realize. But you also often have higher...
FROM THE ARTICLE. When to Apply for Social Security Is an Individual Decision. The age when you claim is critical, but consider your health, finances and family situation, too. 6-minute read. By Andy ...
EVENT NAME - Retirement Planning Strategies for Today and Tomorrow! DATE - Thursday, Feb 5, 2026. TIME - 7:00 p.m. ET • 6:00 p.m. CT • 5:00 p.m. MT • 4:00 p.m. PT. Duration: 60 Minutes. Zoom - Free On...
I'm 71 and in good health, still active, still traveling, still playing golf twice a week, but a friend of mine had a fall last month that ended up being pretty serious and it got me thinking I should...
I’m 61 and my spouse is 68 and part of me would really like to retire. We have $1 million and a paid off house and zero debt of any kind. We’ll have about $8,000 per month in pensions and social secur...
For a successful modern retirement, prepare for a longer life, manage high health care costs and prioritize your social life and purpose.
Careful planning encompassing location, income, health care and visa paperwork can make it all manageable. A financial planner lays it all out.
I retired at 62 (now 63) in June 2025,and I have a Roth IRA with 15% and traditional IRA with about 85% of total. My wife is 64 and still working to pad her retirement and for our health insurance. I ...
Happy New Year! In a strange turn of events, we didn’t all get the plague this year and are somehow all healthy and well-rested. Maybe this has something to do with the fact that we already paid the p...
Like many pre-retirees, it was the single most important question on my mind. "Do I have enough money?" Actually, being married, it was, "Do WE have enough money?" My wife and I were retiring at the s...
Every medical professional needs a hobby. And what you choose may have an outsized influence on your health and the state of your finances. The post Running for Exercise and Fishing for Calm: The Bene...
Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you’ve been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in...
Jeremy Keil weighs the opportunities and risks associated with giving your money away to your kids and charity. Most retirees I talk with don’t worry about whether they can give money away. They worry...
Take charge of your retirement by resolving to make robust plans for your health, financial security, and fulfillment in 2026.
A few weeks ago, Michael Green published a post where he argued that the poverty line for a family of four in the U.S. wasn't $32,100 in annual income (as currently claimed by the Department of Health...
We’ve been here before: congressional Democrats and Republicans sparring over the future of the Affordable Care Act. But this time there’s an extra complication. Though it’s the middle of open enrollm...
Sarah Monroe once had a relatively comfortable middle-class life. She and her family lived in a neatly landscaped neighborhood near Cleveland. They had a six-figure income and health insurance. Then, ...
This post is follow-up to our post of December 22, 2024 and will again highlight the benefits of using the Actuaries Longevity Illustrator (ALI) to help you develop reasonable lifetime planning period...
The Transamerica Center for Retirement Studies published a report that examines the health and well-being, retirement preparedness and other life priorities of the American middle-class. By the number...
Invest time and money now for an early warning system, to help prevent or mitigate serious conditions down the road and save time and money over your lifetime.
Steve spent more than two decades building video games, working with a team that felt more like family than coworkers. By all measures, he loved his work. But a heart attack in 2021 changed everything...
Here are often overlooked aspects of health and longevity in retirement that are backed by research.
With the tax-free money in a health savings account, a person can pay for eyeglasses or medical exams, as well as a $1,700 baby bassinet or a $300 online parenting workshop. Those same dollars can’t b...
Increase the odds of adding healthy years to your life with suggestions backed by research.
As you age into your 60s and beyond, you’ll need a robust plan to help maintain and improve your overall health and medical conditions.
Elon Musk's 2025 forum claim predicts optional work in 10-20 years, driven by AI-robotics like Tesla's Optimus and xAI's Grok, enabling post-scarcity abundance inspired by Iain M. Banks' Culture novel...
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...
Think waiting until 70 is the gold standard for Social Security? We dig into the real math behind delayed retirement credits and the hidden trade-offs that rarely make it into the headlines. Drawing o...
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 ...
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 ...
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...
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...
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...
Americans shopping for Affordable Care Act (ACA) marketplace insurance plans during open enrollment – which began this Saturday – are experiencing confusion and dramatically more expensive premiums. T...
Scientific studies increasingly show that religious practice can enhance physical and mental health. People who regularly attend services and engage in faith-based rituals often experience lower stres...
As we honor those who have served this Veterans Day, it’s important to recognize not only their sacrifices but also the benefits available to veterans and their families. Many veterans in Pennsy...
The ACA health plan premiums may decrease, stay the same, or even increase when one spouse starts Medicare. Here's why. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My...
Retiring soon. Looking for insights on my ability to retire, and things I haven’t considered — especially from women in similar life circumstances. I have 600K in mixed retirement accounts...
Discover what new research reveals about how retireesactuallyspend their money — and why front-loading your retirement income plan could be the key to enjoying your healthiest, most fulfilling y...
FROM THE ARTICLE. These steps can help protect your savings as rising prices erode retirees’ purchasing power. By Cameron Huddleston, AARP. Published November 04, 2025. Your wallet isn’t t...
Proactively reviewing your health coverage, RMDs, and IRAs can lower retirement taxes in 2025 and 2026. Here’s how....
It seems like everyone assumes that as a retiree, you are on medication. Years ago, we chose a healthcare path that avoids medication except when absolutely necessary. I get that you might think that ...
What if the “smart” money choice isn’t the choice that builds your best life? This Root Talks episode starts with a bucket-list moment for James—throwing the first pitch at a P...
Should the new temporary senior tax deduction change your Roth conversion strategy? Joe and Big Al spitball for Chris in Maple Grove, Minnesota, who wonders whether to keep converting to Roth now that...
“Through the historic Inflation Reduction Act, the Medicare program is meeting the needs of people with Medicare more than ever ... Read more...
In this episode of Retirement Reality, meet Donovan, a 55-year-old retiree who turned an unexpected career exit into an opportunity for freedom, reflection, and new purpose. Donovan shares how one def...