Retirement

The ‘Shadow’ in Evolution That Explains Why Long Life Comes at a Cost : ScienceAlert

Health & Fitness, Retirement

The world’s population is shifting. We’re living longer than ever before, with elderly people taking up a greater proportion of the people on the planet.

And yet those extra years aren’t necessarily being enjoyed in good health.

So how do these shifts interact with what we know about genetics and evolution? How might old age – a relatively recent concept, in the history of Homo sapiens – change our species?

And is the association between getting older and being less healthy inevitable?

Source: The ‘Shadow’ in Evolution That Explains Why Long Life Comes at a Cost : ScienceAlert

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white concrete building

This State Was Just Named Best in the U.S. for Retirement—and No, It’s Not Florida or Arizona

Retirement

Retirees (and those approaching retirement age) face plenty of decisions—how to spend all that increased free time, where to plan the next unforgettable trip, and the best place to call home for the next several years. One of those questions is a bit trickier than the others to answer, and has a greater impact on all the other choices you make for your retirement years.

Among the many factors to consider when contemplating a retirement relocation: the local quality of life, access to excellent health care, and overall affordability based on your personal financial situation.

Source: This State Was Just Named Best in the U.S. for Retirement—and No, It’s Not Florida or Arizona

This State Was Just Named Best in the U.S. for Retirement—and No, It’s Not Florida or Arizona Read Post »

Map Reveals Top States Retirees Are Choosing Over Florida in Growing Trend – Newsweek

Lifestyle, Retirement

A growing number of retirees who once flocked to Florida for sun and savings are now heading back north—but not all the way. This demographic shift, frequently termed a “halfback” move, is redirecting older populations toward more temperate and affordable destinations including the Carolinas, Georgia, and Tennessee, according to data from Realtor.com.

The shift marks a notable change in a decades-old

Source: Map Reveals Top States Retirees Are Choosing Over Florida in Growing Trend – Newsweek

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a woman holding her head in her hands

Investor’s $99,000 Retirement Savings at Risk After Life Insurer Collapse – AOL

Financial Planning, Retirement

When it comes to retirement, many people say that their biggest fear is outliving their savings. However, one woman’s recent experience has unlocked a whole new terror for me, after she says that her $99,000 investment into a private equity-owned life insurer hangs in the balance after the company collapsed.

Now she, and 100,000 other policyholders, are waiting to see

Source: Investor’s $99,000 Retirement Savings at Risk After Life Insurer Collapse – AOL

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Spending shock

How spending shocks affect retirement planning

Lifestyle, Markets, Retirement

Market performance tends to dominate the conversation about risks to a retirement plan. But spending shocks can also curb a retirement portfolio’s longevity. In Morningstar’s research, we examined the implications of two major types of spending shocks: unanticipated early retirement and uninsured long-term care expenses at the end of life. The former may necessitate spending over a longer period, often with higher healthcare costs in the pre-Medicare years, while the latter can translate into an effective “balloon payment” toward the end of life.

Early retirement — before the standard age of 65 — is an increasingly common scenario.

Source: How spending shocks affect retirement planning

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These Underrated Midwest Cities Are Among the Best Places to Retire Thanks to Affordability and High Quality of Life

Lifestyle, Retirement, Travel

As more current and future retirees see their budgets squeezed by rising housing and living costs, the Midwest has become a popular destination for older adults looking for affordability. In its annual report, Investopedia highlighted the 25 best retirement cities in the Midwest, which the publication explains offer lower everyday expenses than those in coastal areas.

And while the region encompasses 12 states, this year’s ranking is dominated by five: Illinois, Iowa, South Dakota, Wisconsin, and Michigan. Investopedia prioritized several factors in determining the winners, with affordability and cost of living carrying the most weight,

Source: These Underrated Midwest Cities Are Among the Best Places to Retire Thanks to Affordability and High Quality of Life

These Underrated Midwest Cities Are Among the Best Places to Retire Thanks to Affordability and High Quality of Life Read Post »

brown wooden bench under green tree during daytime

Nobody talks about why so many retired people suddenly care deeply about things that seem trivial – the garden, the bird feeder, the perfect sourdough – but psychologists say these aren’t hobbies, they’re the first projects in decades where the only metric of success is personal satisfaction – VegOut

Lifestyle, Retirement

After decades of being measured by test scores, performance reviews, and others’ expectations, retirees are discovering the radical freedom of caring deeply about things—garden stones, bird feeders, sourdough starters—that matter to absolutely no one but themselves.

Source: Nobody talks about why so many retired people suddenly care deeply about things that seem trivial – the garden, the bird feeder, the perfect sourdough – but psychologists say these aren’t hobbies, they’re the first projects in decades where the only metric of success is personal satisfaction – VegOut

Nobody talks about why so many retired people suddenly care deeply about things that seem trivial – the garden, the bird feeder, the perfect sourdough – but psychologists say these aren’t hobbies, they’re the first projects in decades where the only metric of success is personal satisfaction – VegOut Read Post »

Retirement Is a Glide Path, Not a Cliff | Morningstar

Behavioral Finance, Financial Planning, Retirement

Why Financial Independence Is a Tonic Against Career Burnout

Christine Benz: I wanted to talk about the news that you were financially independent. It sounds like it was anticlimactic, but you also said that it was a great tonic against career burnout because you are continuing to work. It sounds like you really like your work as a physician, but can you talk about that, how crossing that threshold and hearing that you were financially independent was kind of

Source: Retirement Is a Glide Path, Not a Cliff | Morningstar

Retirement Is a Glide Path, Not a Cliff | Morningstar Read Post »

5 Years Until Retirement? Here Are 5 Investing Rules to Follow | Kiplinger

Financial Planning, Retirement

Retirement planning is always important, but the five years before you leave the workforce carry a different kind of weight. This is the moment when you shift from building your nest egg to figuring out how it will actually support you. “We often refer to the three to five years preceding retirement — and the five to seven years following it — as the ‘retirement danger zone,'” says Ross Hamilton, director and private wealth adviser at Broad Branch Wealth Advisors of Raymond James.

It’s a window when several forces converge: your portfolio is often at its highest value, your ability to recover from market

Source: 5 Years Until Retirement? Here Are 5 Investing Rules to Follow | Kiplinger

5 Years Until Retirement? Here Are 5 Investing Rules to Follow | Kiplinger Read Post »

Most Overlooked Part Of Retirement Has Nothing To Do With Money

Behavioral Finance, Financial Planning, Health & Fitness, Retirement

Most people prepare financially for retirement, but far fewer prepare for the life transition itself. You may have circled a date on the calendar, built up your savings, or met regularly with a financial advisor, but retirement is not just a financial event. It is a major life change that alters identity, structure, purpose, and daily rhythm. And like any meaningful transition, it requires preparation.

Source: Most Overlooked Part Of Retirement Has Nothing To Do With Money

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Trump’s latest retirement plan pitch to extend 401(k)-style match to uncovered workers – InvestmentNews

Financial Planning, Retirement, Social Security

President Donald Trump used his State of the Union address Tuesday night to outline a new federal matching program for workers who do not have access to an employer-sponsored retirement plan, signaling another push to widen participation in markets ahead of November’s midterm elections.

As reported by Axios, the proposal would give tens of millions of Americans the option to enroll in an account modeled on the Thrift Savings Plan available to federal employees, with a federal matching contribution for eligible savers. The initiative is targeted at workers who lack a 401(k) or similar workplace plan and currently must take the extra step of opening an IRA on their own.

Trump said his administration would give “often forgotten American workers … access to the same type of retirement plan offered to every federal worker.” He added: “We will match your contribution with up to $1,000 each year, as we ensure that all Americans can profit from a rising stock market.”

Read the entire article: Trump’s latest retirement plan pitch to extend 401(k)-style match to uncovered workers – InvestmentNews

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Doctor shows medical scan to elderly patient

Medicare Updates: What Retirees Need to Know in February 2026 | The Motley Fool

Health & Fitness, Retirement

A month into 2026, many of the major Medicare changes for the year have already gone into effect. But it’s easy to miss key updates when you’re busy recovering from the holidays and working toward your New Year’s resolution.

Here’s a look at four of the most important Medicare updates that retirees need to be aware of in February 2026, just in case you missed them.

Read the entire article: Medicare Updates: What Retirees Need to Know in February 2026 | The Motley Fool

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man kissing woman on check beside body of water

Retirement Planning Without Kids Demands Attention to Long-Term Care and Estate Strategies

Financial Planning, Retirement

Not having kids might mean fewer financial obligations, but it doesn’t automatically make retirement planning easier. In fact, flying solo as you age comes with its own set of complexities, from health care costs to estate decisions.

Here’s what child-free adults should know when planning for life after work.

Read the entire article: Retirement Planning Without Kids Demands Attention to Long-Term Care and Estate Strategies

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How Americans Are Changing Their Lives in Old Age : Up First from NPR : NPR

Health & Fitness, Lifestyle, Retirement

At the end of every year, many of us resolve to make small changes in our lives. But what would it take to make a radical change–and can it still be done if you’ve reached retirement age?

Today on The Sunday Story, WBUR reporter Anthony Brooks shares stories about people he’s met who’ve done just that.  To hear more of Anthony’s reporting on people who reinvented themselves late in life, check out his series “The Third Act.”

Read the entire article: How Americans Are Changing Their Lives in Old Age : Up First from NPR : NPR

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Eight Habits for a Happy Retirement | Kiplinger

Lifestyle, Retirement

Most people think that planning for a happy retirement is all about numbers.

It centers around one question: Do my financial assets — pension, 401(k)s/IRAs, Social Security, property, sale of a business, etc. — provide enough income to fund my desired retirement lifestyle?

Ask any retiree, and they’ll likely tell you that’s only half the story.

Read the entire article: Eight Habits for a Happy Retirement | Kiplinger

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