The wisdom of financial planning often clashes with the messy reality of life, and for one couple in their early 50s, a strong retirement nest egg and a valuable home aren't enough to quell the severe ...

Vanguard’s How America Saves 2026 report found the most common reasons for tapping a 401(k) in advance were to avoid ...

“But what about my RMDs?” That’s the question I’ve heard the most frequently in the context of our research on safe withdrawal rates. For retirees seeking to take a fixed real withdrawal from their ...

Margaret Giles: Hi, I’m Margaret Giles from Morningstar. Morningstar’s annual safe withdrawal rate research suggests that new retirees consider a 3.9% starting withdrawal if they’re looking for the ...

Forbes contributors publish independent expert analyses and insights. Host of the Retire Sooner podcast and CFP™ practitioner. A recent Barron’s article made the case for retirees being able to ...

An individual retirement account is an excellent way to save for retirement. Many employers allow you to invest pre-tax money ...

Turning 65 used to mean a hard stop at work and a simple rule of thumb for tapping savings. Today, retirements stretch longer, markets are more volatile, and healthcare costs are less predictable, so ...

The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...

Peter Gratton, Ph.D., is a New Orleans-based editor and professor with over 20 years of experience in investing, economics, and public policy. Peter began covering markets at Multex (Reuters) and has ...