Quick Read The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a ...

It's important to manage your nest egg wisely. You might assume that building up a retirement nest egg is one of the most challenging things you'll ever have to do. After all, it's not easy to find ...

Morningstar’s new analysis suggests retirees can start with one withdrawal rate and adjust for inflation, but taxes, fees, and portfolio mix still matter.

One way to mitigate this issue is to keep some portion of your portfolio in cash or short-term bonds to meet short-term needs ...

When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...

Finance expert Dave Ramsey has a lot of unconventional takes.  For example, he believes that you don’t need to care about ...

As of 2025, the average 401(k) balance for Americans in their 50s is around 490,000 dollars. That means a 54-year-old with 4 million dollars saved is far beyond the national average, close to eight ...

Americans increasingly use 401(k)s as emergency funds, not retirement savings, exposing flaws in U.S. retirement policy and ...

Retirement requires careful planning, but today’s environment presents challenges that previous generations did not face.