Tag: financial planning
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The 4% Rule in 2025: Does It Still Work?
Should You Still Follow the 4% Rule in 2025? The 4% rule has been the standard for decades: withdraw 4% from your retirement portfolio each year and, with proper asset allocation, your funds should last 30 years. But with higher lifespans, market volatility, and lower bond yields, is it still safe in 2025? THE 4%…
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Long-Term Care: The $100,000+ Cost Nobody Plans For
The Conversation Nobody Wants to Have (But Everyone Needs To) Here’s a statistic that should terrify every American: 75% of people age 65+ will need some form of long-term care before they die. But only 15% have actually planned for it. AMERICANS NEEDING LONG-TERM CARE 75% of those 65+; average duration: 3 years The Real…
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Retirement Readiness CRISIS: America Scores 45.8/100
America Gets a Failing Grade on Retirement Readiness If retirement readiness were a school exam, America would be failing. The National Retirement Readiness Index scored America’s retirement preparedness at just 45.8 out of 100, placing the nation in the “moderate risk” category. But let’s be honest—”moderate risk” is a polite way of saying “most Americans…
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The SHOCKING Truth About American Retirement Savings in 2024
The Million-Dollar Myth: What Most Americans Actually Have Saved What if I told you that only 3.2% of American retirees have saved $1 million or more for retirement? That means 96.8% of us are falling short of what experts consider the bare minimum for a comfortable retirement. The average retirement savings for households aged 65-74…
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