---
title: Retirement
description: Whether you're a retiree well into your golden years or a newbie saver simply dreaming of them, craft your ideal retirement with Money's comprehensive resources. We've done the math on Social Security payments, downsizing, Roth IRAs and more so you can reach — and enjoy — your post-work period sooner. All you have to do is remember to take those RMDs.
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subcategories: 9
total_pages: 71
canonical: https://money.com/retirement/
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type: CollectionPage
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---

# Retirement

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> [Get a Free Info Kit](https://money.com/pr/m92aee9400b0?apxa1=how-to-talk-about-money-with-your-aging-parents)
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> *Sponsored by Longbridge Financial, LLC (NMLS #957935). Longbridge Financial only offers reverse mortgage products. Additional disclosures below. Our editorial team controls sponsored content creation, ensuring high standards for quality, relevance, and accuracy. Compensation for featuring sponsored content doesn't compromise our editorial objectivity.*

**Retirement Checkup at a Glance**

## Retirement Outlook: What’s New

- [Social Security Funds to Run Dry in 8 Years, Prompting 17% Benefits Cut](https://money.com/social-security-insolvency-2034-benefit-cuts/) — Social Security · 4 min read
- [Social Security COLA Predictions Rise as Inflation Hits a 3-Year High](https://money.com/cola-prediction-2027-social-security/) — Social Security · 4 min read
- [After Years of Growth, the Number of 401(k) Millionaires Has Dropped](https://money.com/401k-millionaires-stock-market-drop/) — 401(k) · 3 min read
- [This 401(k) Proposal Could Give Retirees an Easier Way to Donate to Charity](https://money.com/401k-charity-donation-bill/) — 401(k) · 4 min read
- [Why Working Longer Might Be Your Riskiest Retirement Plan](https://money.com/working-longer-retirement-risk/) — Retirement Planning · 5 min read
- [Private Equity, Crypto and Other Risky Assets Are Coming to Your 401(k). Here's What to Know](https://money.com/private-equity-crypto-401k-risks-costs/) — 401(k) · 10 min read
- [Average 401(k) Balances by Generation: How Do You Stack up Against Your Peers?](https://money.com/average-401k-balance-by-generation-2025/) — 401(k) · 5 min read
- [Why So Many Americans Don't Feel Prepared for Retirement](https://money.com/retirement-confidence-survey-2026/) — Retirement Planning · 5 min read
- [Most Americans Now Say Retiring at 65 Is No Longer Realistic](https://money.com/retiring-at-65-unrealistic-for-most-americans-tiaa-survey/) — Retirement Planning · 4 min read
- [The Popular 4% Rule for Retirees Just Got an Update](https://money.com/4-rule-retirement-withdrawal-rate-update/) — Retirement Planning · 6 min read
- [Why Some Social Security Recipients May Get Smaller Checks Starting in August](https://money.com/social-security-clawback-smaller-checks/) — Social Security · 6 min read
- [There's a Huge Step Toward Retirement Nearly 90% of Americans Are Skipping](https://money.com/emotional-preparation-needed-retirement-planning/) — Retirement Planning · 6 min read
- [Social Security's Trust Funds Will Run Out of Money in Less Than 10 Years](https://money.com/social-security-funds-run-out-2034/) — Social Security · 7 min read
- [Retiring at 70? Why Older Workers Aren't Clocking Out Yet](https://money.com/retirement-age-70-concerns/) — Retirement Planning · 3 min read
- [Americans' 'Magic Number' for a Comfortable Retirement Has Dropped $200K](https://money.com/magic-number-retirement-dropped-survey/) — Retirement Planning · 3 min read
- [Could Trump's DOGE Cuts Delay Social Security Payments?](https://money.com/doge-effect-delay-social-security-benefits/) — Social Security · 5 min read
- [Why Millions of Social Security Beneficiaries Will Receive Bigger Payments Starting in April](https://money.com/social-security-fairness-act-payments/) — Social Security · 5 min read
- [You Might Be Overestimating How Much Money You Need to Save for Retirement](https://money.com/workers-overestimate-retirement-savings/) — Retirement Planning · 6 min read
- [It Might Be Time to Ditch These Two Retirement 'Rules'](https://money.com/ditch-these-two-retirement-rules/) — Retirement Planning · 6 min read
- [Why the Number of 401(k) Millionaires Just Hit a Record High — Again](https://money.com/401k-millionaires-record-high-2024/) — 4 min read
- [Millions of Americans Could Get Higher Social Security Benefits if Bipartisan Bill Passes](https://money.com/social-security-fairness-act-status/) — Social Security · 8 min read
- [Contribution Limits for 401(k)s Will Have a 'Super' Twist Next Year](https://money.com/401k-contribution-limits-2025-irs/) — Taxes · 3 min read
- [Don't Make This Costly 401(k) Mistake When Switching Jobs](https://money.com/switching-jobs-401k-mistake/) — Retirement Planning · 4 min read
- [Raising the Retirement Age for Younger Workers Is the 'Most Likely' Social Security Fix](https://money.com/raising-retirement-age-social-security-fix/) — Social Security · 6 min read
- [6 in 10 Older Workers Don't Think They'll Have Enough Money in Retirement](https://money.com/retirement-savers-worried-running-out-of-money/) — Retirement Planning · 6 min read
- [5 Proposals to 'Fix' Social Security — and How They Could Affect Your Benefits](https://money.com/proposals-fix-social-security-affect-benefits/) — Social Security · 13 min read
- [Medicare Drug Negotiations Expected to Save Enrollees $1.5 Billion a Year](https://money.com/medicare-drug-negotiations-prescriptions-savings/) — Prescription Drugs · 6 min read
- [Retirees Will Likely See a Smaller Social Security COLA Next Year](https://money.com/social-security-cola-2025-prediction-decrease/) — Social Security · 4 min read
- [Boomers Are at Higher Risk of Running Out of Retirement Money Than Younger Workers](https://money.com/retirement-savings-by-generation-morningstar/) — Retirement Planning · 5 min read
- [Raising Social Security Retirement Age ‘Would Cut Benefits by Thousands’: Analysis](https://money.com/raising-social-security-age-cut-benefits/) — Social Security · 4 min read
- [Millions of Social Security Recipients Will Get 2 Payments This Month](https://money.com/ssi-payments-august-2024/) — Social Security · 3 min read
- [Americans Think They'll Need $1.8 Million in Retirement](https://money.com/retirement-cost-predictions-2024/) — Retirement · 4 min read
- [Social Security Benefits Have Lost 20% of Their Buying Power Since 2010: Report](https://money.com/social-security-benefits-lost-buying-power/) — Social Security · 4 min read

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> [Get a Free Info Kit](https://money.com/pr/w39884f473a9?apxa1=how-to-talk-about-money-with-your-aging-parents)
>
> *Longbridge Financial LLC (NMLS 957935) only offers reverse mortgage products.*

## Retirement on the Horizon: Maximizing Your Wealth

- [How to Use Home Equity in Retirement: 5 Options for Older Homeowners](https://money.com/use-your-home-for-retirement-money/) — Retirement Planning · 13 min read
- [Here's How to Rebalance Your Investments Ahead of (and During) Retirement](https://money.com/how-to-rebalance-investment-portfolios-for-retirement/) — Investments · 11 min read
- [Need More Income in Retirement? These 7 Moves Can Boost Your Cash Flow](https://money.com/ways-to-increase-retirement-money/) — Retirement Planning · 13 min read
- [Retirees' Hidden Asset: Home Equity Options for Older Homeowners](https://money.com/home-equity-strategies-older-adults/) — Retirement Planning · 15 min read
- [Here's Who Actually Needs Long-Term Care Insurance and When to Buy It](https://money.com/when-to-buy-long-term-care-insurance/) — Long-Term Care Insurance · 9 min read
- [How HELOCs Can Help Retired Homeowners Manage Expenses](https://money.com/using-heloc-in-retirement/) — Retirement · 12 min read
- [5 Areas of Your Home to Renovate Before Retiring](https://money.com/home-renovations-prepare-for-retirement/) — Retirement Planning · 14 min read
- [Here's When Claiming Social Security Early Can Actually Pay Off](https://money.com/claim-social-security-invest/) — Social Security · 8 min read
- [Why the 'Right' Retirement Age Doesn’t Actually Exist](https://money.com/right-retirement-age-social-security/) — Social Security · 10 min read
- [Why Retirement Savings in Roth IRAs Tend to Outlast Traditional 401(k)s](https://money.com/retirement-savings-roth-ira-outlast-401k/) — 401(k) · 4 min read
- [7 Key Factors That Could Affect How Long You’re Retired](https://money.com/factors-affect-how-long-retirement-lasts/) — Retirement Planning · 10 min read
- [Rolling Over Your 401(k)? This Common Mistake Could Cost You $130,000](https://money.com/401k-ira-rollover-mistake/) — IRAs · 5 min read
- [This Investing Strategy Could Be the Key to a Better Lifestyle in Retirement](https://money.com/investing-strategy-better-retirement-lifestyle-annuities/) — Annuity · 4 min read
- [Older Workers Are Underestimating Their Budgets for Retirement](https://money.com/underestimate-retirement-budget/) — Retirement Planning · 4 min read
- [Why Target-Date Funds Might Not Be the Best Retirement Planning Option for You](https://money.com/target-date-funds-not-best-everyone/) — Mutual Funds · 8 min read
- [Over 70% of Americans Worry Their Retirement Savings Will Get Eaten up by Taxes](https://money.com/taxes-on-retirement-income-savings/) — Retirement Planning · 4 min read

## Your Retirement Day-to-Day: Strategies Everyone Can Use

- [Is a HELOC Right for Your Retirement Plan? Ask Yourself These 8 Questions](https://money.com/heloc-questions-to-ask-before-borrowing/) — Retirement Planning · 18 min read
- [Want to Cut Costs in Retirement? Here Are 8 Ways to Lower Your Expenses](https://money.com/how-to-lower-your-expenses-in-retirement/) — Budgeting · 13 min read
- [Using a 'Blended Income' Strategy Can Help Boost Your Retirement Cash Flow](https://money.com/blended-income-strategy-retirement/) — Investments · 10 min read
- [What Retirees Should Know Before Tapping Home Equity to Pay for Medical Expenses](https://money.com/tap-home-equity-for-medical-bills-pros-cons/) — Retirement · 8 min read
- [Here's When Claiming Social Security Early Can Actually Pay Off](https://money.com/claim-social-security-invest/) — Social Security · 8 min read
- [Inflation Is Pushing Many Older Americans Into ‘Un-Retirement’](https://money.com/inflation-pushing-retirees-part-time-jobs/) — Inflation · 3 min read
- [Why Keeping Your 401(k) After Retiring Could Be a Smart Savings Decision](https://money.com/keep-401k-after-retiring-ira/) — 401(k) · 7 min read
- [6 Smart Ways to Deal With Debt in Retirement](https://money.com/deal-with-debt-in-retirement/) — Retirement Planning · 6 min read

## Retirement Tune-Up: The Basics To Get You Started

- [How Much Money Do You Need to Retire? Answer These 4 Questions to Find Out](https://money.com/how-much-money-do-you-need-to-retire/) — Retirement Planning · 10 min read
- [Will You Need Long-Term Care? Here’s What the Statistics Say](https://money.com/long-term-care-rising-needs/) — Long-Term Care Insurance · 6 min read
- [How to Talk With Aging Parents About Finances and End-of-Life Plans](https://money.com/how-to-talk-about-money-with-your-aging-parents/) — Seniors · 11 min read
- [What Is an IRA?](https://money.com/what-is-an-ira/) — IRAs · 12 min read
- [How to Build a Financially Secure Retirement](https://money.com/save-for-retirement/) — Retirement Planning · 10 min read
- [401(k) Rollover: A Beginner's Guide](https://money.com/what-is-a-401k-rollover/) — 401(k) · 12 min read
- [What Is Medicare and How Does it Work?](https://money.com/what-is-medicare/) — Medicare · 14 min read
- [Most Adults Fail This 5-Question Quiz on Retirement Basics](https://money.com/retirement-basics-quiz-fail/) — Retirement · 4 min read

## Reverse Mortgages: Everything You Need to Know

- [Is a Reverse Mortgage the Right Fit to Fund Your Retirement?](https://money.com/when-to-use-a-reverse-mortgage/) — Reverse Mortgage · 9 min read
- [Considering a Reverse Mortgage? Here's What You Can Expect to Pay](https://money.com/reverse-mortgage-fees-explained/) — Reverse Mortgage · 11 min read
- [Debunking 5 Common Reverse Mortgage Myths](https://money.com/5-common-reverse-mortgage-myths-debunked/) — Reverse Mortgage · 9 min read
- [Reverse Mortgages: How to Choose Between a Lump Sum, Line of Credit or Monthly Payment](https://money.com/reverse-mortgage-line-of-credit-vs-lump-sum/) — Reverse Mortgage · 10 min read
- [What Is a Reverse Mortgage, and How Does It Work?](https://money.com/what-is-a-reverse-mortgage/) — Reverse Mortgage · 15 min read

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> **Disclaimer:** For licensing information, go to: nmlsconsumeraccess.org. Licensed Mortgage Banker-NYS Department of Financial Services. Equal Housing Lender. Materials/statements made by a third party are those of the third party and do not necessarily reflect the official policy or position of Longbridge. Longbridge makes no warranties concerning the accuracy or completeness of any of the information.