Preparing for retirement isn’t just about money.

According to a study released earlier this year, two-thirds of the world's population will own a digital wallet by 2029.

One expert says people "aren't able to grasp" how much money they need "until they get really close" to retiring.

For everyday Americans, lower rates generally translate into cheaper borrowing, offering modest relief on credit cards, auto loans and other variable-rate debt as households head into the new year.

Emphasizing the specialized, decentralized focus of mutual aid is key.

Safe Harbor IRAs, which employers can open for workers when they leave a job, often carry high fees.