Retirement savings stress often comes from uncertainty, not just your account balance. Creating a retirement plan, reviewing your 401(k) regularly, and getting professional help when needed can help you make more informed decisions and feel more confident about your retirement. Takeaways A retirement plan can improve...
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An HSA for retirement may help cover future healthcare costs while providing 3 tax advantages: pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Common HSA mistakes include spending funds too early, leaving eligible funds in cash, exceeding contribution limits, losing medical receipts,...
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Married couples each have their own 401(k), but many retirement decisions work best when they're made together. Coordinating employer matching contributions, reviewing beneficiary designations, and understanding what happens to a 401(k) after death or divorce may help couples make the most of their retirement savings...
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Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, maintain diversification, and keep your retirement strategy aligned with your long-term goals. Takeaways Rebalancing can help restore...
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Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you avoid unnecessary debt and help you keep contributing to your 401(k) through the end of...
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A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of saving and investing. Takeaways A custodial Roth IRA can help children build long-term wealth...
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Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to help keep your long-term goals on track. Takeaways Increasing your 401(k) contribution by just 1% may add...
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Women are often more consistent retirement savers than men, according to Vanguard's How America Saves 2026 report. They participate in 401(k) plans at higher rates and frequently save a larger percentage of income. Despite these stronger savings habits, lower earnings and career interruptions continue to...
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Healthcare may be one of the largest expenses you'll face in retirement. According to Fidelity, a 65-year-old retiring today may spend an average of $172,500 on healthcare costs throughout retirement, and that estimate does not include long-term care. Understanding what Medicare covers, what it doesn't,...
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Retirement anxiety is rising in 2026 as Americans worry about inflation, healthcare costs, Social Security uncertainty, market volatility, and running out of money. Studies show many workers feel behind on retirement savings and unsure about their financial future. This article explains some of the biggest...
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