Given the uneasiness with the world and the economy, people have been asking more frequently if they should stop contributing to a 401(k). The short answer is no. History has shown that those who hang on and keep contributing, even during times of uncertainty, wind up with...
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Understanding your 401(k) isn’t just smart – it’s essential to safeguarding your retirement lifestyle. Whether you’re just getting started or looking to optimize your existing plan, it’s critical to ask the right questions so you’re not left in the dark about your investments. Below, we’ve outlined 5...
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If your 401(k) balance is lagging behind where it should be, you may feel discouraged or even a little panicked. But the truth is, we believe there’s still time to course-correct – if you take action now. According to the 2023 Protected Retirement Income and Planning (PRIP)...
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Saving for retirement is typically challenging enough when you’re doing it on your own, but what happens when your partner isn’t on the same page? Maybe they think saving for retirement can wait. Maybe they believe Social Security will be enough. Or maybe they’re simply overwhelmed and don’t...
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Supporting adult children comes at a high cost. And an increasing number of parents are finding themselves doing just that. Here are some of the key findings of the 2025 Savings.com report: Half of parents with adult children provide regular financial assistance to their grown kids. The...
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Saving for retirement can feel overwhelming – especially with headlines constantly reminding us about rising healthcare costs, tariffs, and a volatile market. But here’s the thing: Most retirement savings stress often comes from uncertainty – not from your actual financial position. The good news? You can take steps...
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Having money left after taxes is a good thing, but spending it without a plan? That’s where many people can go wrong. Disposable income is not the same as discretionary income. Disposable income is what you have left after paying taxes. For instance, if you earn $60,000 annually...
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We feel retirement planning has never been more important, yet confidence in a secure financial future is shrinking. A March 2025 Fidelity Investments® State of Retirement Planning study reveals that while 7 in 10 of those currently in retirement feel stable, confidence in retirement outlook...
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Many Americans mistakenly believe Social Security will be enough to fund their retirement – but reality paints a different picture. Consider the most recent cost of living adjustment. The 2025 Social Security COLA increase is just 2.5%.¹ This minimal increase means “retired workers' Social Security checks will grow...
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When it comes to saving for retirement, it may be not just about how much you save – it may be about how much you get to keep. Understanding 401(k) tax implications may help you maximize your savings and avoid unexpected tax bills down the road. Are...
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