Today’s Financial Message Just for you, {{ first_name | Friend}}
Retirement planning starts with estimating how much income you'll need - most people need 70-80% of their pre-retirement income to maintain their lifestyle. Consider that some expenses decrease (commuting, work clothes) while…Continue Reading
Hot Reads
Millennials & Retirement: Can They Catch Up? Realistic Moves to Close the Gap
Let's address the elephant in the room: Millennials are behind on retirement savings, and it's not exactly a secret.
If you're reading this while mentally calculating how many avocado toasts you'd need to give up to fund your golden years, take a breath. Yes, the numbers are sobering, but no, it's not hopeless.
The reality is that Millennials (those born between 1981 and 1996) have an average of $49,000 saved for retirement, compared to Gen X's $65,000 at the same age. Even more concerning? Nearly half (48%) of Millennials aren't confident they'll retire comfortably.
But here's the thing about retirement planning: it's not about perfection. It's about progress.
This isn't another doom-and-gloom piece about how you're financially doomed if you haven't saved six figures by 35. Instead, we're focusing on realistic, actionable moves that can genuinely close the gap, even if you're starting from behind.…Read More
The 8 Most Important Financial Things to Know in Your 50s
If your 50s have snuck up on you, and let's be honest, they seem to arrive faster than we expect, you're officially in what financial planners call the "make-or-break" decade for retirement planning.
This isn't meant to stress you out, but it is meant to wake you up if you've been coasting on autopilot with your finances.
Your 50s are unique in the financial lifecycle. You're likely earning peak income, but you're also facing a perfect storm of competing priorities:
ramping up retirement savings
managing rising healthcare costs
possibly supporting…Read More
Today’s Affirmation
I turn financial anxiety into productive planning.
Every job loss has led to better opportunities.
I find joy despite my current financial constraints…Continue Reading