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Stressed

Stressed About Saving for Retirement? You’re Not Alone

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A recent survey found 56% of Americans are losing sleep over saving for retirement. Another shows having enough money to retire comfortably is the most common financial stressor among 401K participants, regardless of age. In short: Americans are freaking out about retirement. That makes a lot of sense, considering that report after report has shown that we’re a nation of people who are terrible at saving money. And, as those retirement surveys suggest, we’re painfully […]

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    How 50-Somethings Should Plan for RetirementRetirement, Personal Finance

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    Odds are, if you are in your 50s, you have thought about retirement one time or another. Regardless of whether this is your final decade of working for the man — or being the man — it is important that you start to create a retirement vision. This means putting your 3 p.m. daydreams, at least the realistic ones, on paper. Write Down Your Goals When creating a retirement vision, start with location and lifestyle: Where do […]

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    How to Delay Taking Social Security Benefits Until You Absolutely Have ToRetirement, Personal Finance

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    I recently heard about a man who was retired longer than he worked, retiring at 52 and living well into his 90’s. There’s a life worth living. And it’s not that far-fetched. Life expectancies continue to inch upward, particularly for those who make it to retirement. For those who reach age 65, life expectancy stretches to 82 for men and 85 for women. For married couples who reach 65 together, the news is even better. Odds are […]

  • Social Security Is Changing Soon. Here’s What You Need to KnowFinancial Literacy, Retirement, Personal Finance

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    There has been much buzz about Social Security recently—and with good reason. Section 831 of the Bipartisan Budget Act contains the first major change to Social Security claiming rules since the Senior Citizen Freedom to Work Act in 2000. Finding out who is affected and what they need to do is a challenge. The Social Security Administration sent an emergency message to its field offices in February explaining how its employees should implement the changes. […]

  • You’re Making the Same Money Your Parents Did … But You’re Probably Working HarderRetirement, Personal Finance

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    Well, Millennial, you may have lower credit scores than Mom, less financial stability than Dad, and lack the funds to leave your childhood home. But there is one thing you have in common with the ‘rents — you’re probably making the same amount of money they did at your age. According to a new report from the Center for American Progress (CAP), median compensation (wages plus the value of employer benefits) for a 30-year-old in 2014 […]

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    The One Word That Can Improve Your Financial StandingFinancial Literacy, Retirement, Personal Finance

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    Many motivational speakers demand we say “yes” to life. Whether it involves going back to school, taking an educated risk or meeting new people, “yes” gets heavily promoted. But you know what? “Yes” doesn’t always work out so well. There are times when “no” is a more appropriate answer – especially when it comes to improving your financial standing. Today, I’d like to share with you some financial situations in which it’s good to say […]

  • 9 Ways to Protect Yourself From Elder Financial AbuseRetirement, Identity Theft

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    Identity theft. Financial fraud. Catchphrases that evoke fear of economic ruin at the hands of scheming pitchmen, cunning hackers, organized crime, grandchildren … Say what? The financial exploitation of seniors by those closest to them is on the rise. According to the National Center on Elder Abuse, 90% of the perpetrators are family members or those who are well-known to the victims (e.g., neighbors, friends and caregivers). Malefactions include unauthorized access to checking, savings and […]

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    The 7 Biggest Threats to Your RetirementRetirement

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    Saving for retirement can be intimidating and confusing. This leads many people to avoid thinking about it altogether and just hiding their heads in the sand. However, the ostrich approach won’t make it any easier to reach retirement with a comfortable savings. In fact, avoidance is only one threat to your future financial security. Check out the following threats to your retirement account. 1. Not Starting Early Enough The most helpful advice about retirement saving is to […]

  • 7 Credit Mistakes That Could Wreck Your RetirementFinancial Literacy, Retirement, Blog, Personal Finance

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    Yes, just like clockwork it happened again this year: I got older. As of this week, the Beatles song, “When I’m Sixty-Four,” went from being a hypothetical to a reality for me. This means that next year, I will officially become a senior citizen. It’s a jarring prospect. Like most baby boomers, I don’t feel especially old. We’re the cool ones, the generation that brought America rock ‘n’ roll, yoga, and the belief that we […]

  • How to Prepare for Any DisasterFinancial Literacy, Retirement, Lifehacking, Blog, Personal Finance, Money

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    Disasters disrupt life in unimaginable ways, making those affected much more vulnerable to secondary disasters — the kind caused by criminals. I’ve been through a number of earthquakes and lost a home to Hurricane Sandy. I know how all-consuming the aftermath can be. Wildfires, tornadoes and other natural disasters seem to be happening more and more these days. The National Oceanic and Atmospheric Administration warns that the 2013 Atlantic hurricane season will be “above normal […]

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