--- title: 'Retire with Money: 4 Tips for a Happy Retirement' description: This week's Retire with MONEY newsletter features a 20-year retiree's tips for a happy retirement and retirement advice from around the web. authors: - name: Elizabeth O'Brien role: Deputy Editor url: https://money.com/author/elizabeth-obrien/ bio: Elizabeth O’Brien is Money's deputy editor. She has covered personal finance for more than 10 years, with a focus on retirement planning and health care. Subscribe to her weekly newsletter, Retire with Money. at_money_since: 2016 articles: 194 covers: - Retirement - Business - Career Advice - Credit - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Personal Finance - Pets - Shopping - Taxes - Technology social: - https://twitter.com/elizobrien former_staff: true published: '2017-04-28T15:40:24.000Z' modified: '2024-04-17T05:45:08.000Z' section: Retirement tags: - Retire with money word_count: 533 canonical: https://money.com/retire-with-money-4-tips-for-a-happy-retirement/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Retire with Money: 4 Tips for a Happy Retirement](https://money.com/content.money.com/wp-content/uploads/2017/04/170425-happy-retirement.jpg?crop=0px%2C219px%2C2100px%2C1182px&resize=1012%2C569&quality=85&strip&ssl=1) *Retirement is a time of life full of promise, when you can explore your own passions and follow your own rhythms. Yet planning for retirement is a lot like planning for a wedding, writes Money contributor Nancy K. Schlossberg, quoting sociologist Phyllis Moen. Both preparations tend to be focused on a single event -- you may not plan for the marriage that follows the wedding, or the years that follow your last day on the job. After 20 years of retirement, Schlossberg offers tips for readers on navigating uncharted territory. Following them can help you fulfill the promise of your retirement.* *Best wishes,* *Elizabeth O'Brien* *(filling in for a vacationing Karen Damato)* *P.S. If you like this newsletter, please pass it on to a friend! And if you got it from a friend, sign up* [*here*](https://pages.email.time.com/retire-with-money_opt-in/) *to receive the newsletter by email each Friday.* **THIS WEEK'S RETIREMENT NEWS, INSIGHTS AND ADVICE** **Many Retirees Are Actually Being TOO Frugal** The same traits that make a good saver can make a retiree's life excessively difficult, writes finance professor Meir Statman. The danger, he explains, is that well-honed habits can hamper your enjoyment of retirement. **Money** **Is the U.S. Facing a Retirement Savings Crisis?** Experts disagree on whether the country is actually facing a savings crisis. Alicia Munnell, of Boston College’s Center for Retirement Research, says there’s plenty of cause for concern, while Andrew Biggs, of the American Enterprise Institute, counters that most retirees will do just fine. Part of their disagreement, however, stems from some differing assumptions. [**WALL STREET JOURNAL**](https://www.wsj.com/articles/is-there-really-a-retirement-savings-crisis-1492999861) **Don’t Let These 4 Fears Keep You From Investing for Retirement** Most experts agree that investing in stocks is necessary to build wealth over the long term. Make sure you're not too intimidated -- or too fearful -- to save for retirement, writes Money contributor Walter Updegrave. [**Money**](https://money.com/investor-excuses/) **Should You Bet Your Nest Egg on a Retirement Business?** One financing option lets savers roll retirement savings into a new business venture without incurring early withdrawal penalties or taxes. But if the business fails, you lose your retirement savings. Is it worth the risk? [**MARKETWATCH**](http://www.marketwatch.com/story/should-you-use-your-retirement-to-start-a-business-2017-04-27) **Nearly 3 in 10 Parents Raid Retirement Funds for Student Loans** Some 27% of parents said they’ve withdrawn money from retirement savings to help cover student loan payments, according to a new survey. While 13% said the withdrawal was for their own student debt, 10% said it was for a child or children’s, and 4% said it was for both. [**PLAN SPONSOR**](http://plansponsor.com/Nearly-THree-in-10-Parents-Jeopardize-Retirement-for-Student-Loan-Debt/) **Few Savers Contribute Regularly to IRAs** Instead of savings vehicles, IRAs have morphed into a holding place for money that originated in 401(k)s. While five states have approved programs that would automatically enroll workers without employer-sponsored retirement plans into IRAs, such plans have faced resistance in Washington, D.C. [**CNBC**](http://www.cnbc.com/2017/04/26/who-are-these-people-who-contribute-to-their-iras.html) **An Innovative Retiree Perk Is a Win-Win** Intel pays longtime employees a stipend after they retire to try out a new career at a nonprofit organization, NPR reports. One retiree, 61-year-old Gail Dougherty, will earn $25,000 for a year’s worth of part-time work at a health center in Oregon, where she uses her project management skills to help doctors and nurses figure out better ways of delivering care. [**NPR**](http://www.npr.org/2017/04/17/523772071/at-intel-a-retirement-perk-that-can-kick-off-a-new-career-as-a-paid-fellow) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/retire-with-money-4-tips-for-a-happy-retirement/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Retirement", "item": "https://money.com/retirement/" }, { "@type": "ListItem", "position": 3, "name": "Retirement Planning", "item": "https://money.com/retirement-planning/" }, { "@type": "ListItem", "position": 4, "name": "Retire with Money: 4 Tips for a Happy Retirement" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/retire-with-money-4-tips-for-a-happy-retirement/#webpage", "url": "https://money.com/retire-with-money-4-tips-for-a-happy-retirement/", "name": "Retire with Money: 4 Tips for a Happy Retirement", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2017-04-28T15:40:24.000Z", "mainEntity": { "@id": "https://money.com/retire-with-money-4-tips-for-a-happy-retirement/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/retire-with-money-4-tips-for-a-happy-retirement/#breadcrumb" }, "dateModified": "2024-04-17T05:45:08.000Z" }, { "@type": "Article", "headline": "Retire with Money: 4 Tips for a Happy Retirement", "articleSection": "Retirement", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2017/04/170425-happy-retirement.jpg?quality=85", "width": 2100, "height": 1400 } ], "author": [ { "@type": "Person", "name": "Elizabeth O'Brien", "url": "https://money.com/author/elizabeth-obrien/", "@id": "https://money.com/author/elizabeth-obrien/#author", "description": "Elizabeth O’Brien is Money's deputy editor. 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