Retirement Planning

Wondering how to retire early? Looking to build a nest egg? Learn everything you need to know about retirement planning with this guide.


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5 Reasons You Might Need to Visit the Social Security Office

Not all Social Security services are available online. And you don't have to be over 65 to visit the office either.

Who Decides When Your Social Security Check Increases?

Presidents like to take credit for increases in Social Security, but is it the president, Congress or the Social Security Administration that decides when your check goes up?

These Folks Retired in their 30s and 40s: Can You Do It Too?

There's a movement called FIRE, a group of people working hard to retire young and really enjoy life. But is it realistic to think you won't run out of money?

The Kids' College Funds Can Wait. Save for Retirement First

Many parents feel torn between funding their own retirement and paying for their kids' college education. But financial experts are united on which one should take priority.

Why are companies allowing people to choose between traditional and Roth 401(k)s?

You've heard of the Roth IRA, but what about the Roth 401(k)? Many employers are offering them in addition to traditional 401(k) plans. So what's the difference?

Is a 401(k) really the right way to save for retirement?

If you're like many Americans, you probably haven't saved enough in your 401(k) for your retirement. But don't freak out -- just yet. You still have time to maximize your savings for your golden years.

How to Financially Prepare for the Death of a Parent

Losing a parent is a harrowing experience, but being financially lost when it happens only makes matters worse. Find out how to navigate the waters of loss without finding yourself on a sinking fiscal ship.

5 Differences Between Roth and Traditional 401(k)s

Most companies offer their employees a 401(k); about half also offer a Roth 401(k) though not many employees use it. But in some cases, a Roth 401(k) might be the better option for you.

Should I contribute to a Roth 401(k) or a traditional 401(k)?

Knowledge of your current financial situation, and a degree of clairvoyance, goes far in determining which of your employer's retirement plans is right for you.

How is your military pension taxed?

After decades spent in service of your country, your military pension is a well-deserved benefit. It's also income, and therefore subject to being taxed.

Do you pay taxes on your pension income?

A pension is an employer-provided benefit that supplies income when you retire. When and how it's taxed, though, has a lot to do with how you paid into the pension.

Are there Social Security death benefits for a spouse?

When your spouse's Social Security benefits are an integral part of your income, it's really important to know what happens upon his or her death.

Should I convert my 401(k) to a Roth IRA?

What is the difference between a 401(k) and a Roth IRA? And when would one be better than the other? Two people from the same family help us to figure it out.

What social security retirement information do I need?

Every American worker and employer contributes to a common retirement fund known as Social Security. When it comes time for you to collect benefits, you'll need a few important pieces of information before you apply. What are they?

How to Cash Out Your 401(k)

You've worked hard to put a substantial amount of money into your retirement nest egg. Don't shortchange yourself by erroneously borrowing from or cashing out your fund early. Here's how to get every last dime out of your 401(k).

Can You Avoid Paying Taxes on a 401(k) Cash-out?

401(k) accounts are designed to help people save for retirement, so there are harsh penalties for withdrawing funds early. That said, there are exceptions to the rule -- but there aren't many.

What are the Roth IRA withdrawal rules?

Roth IRAs are a smart way to save for retirement because you can avoid most of the tax penalties associated with other retirement plans -- as long as you follow the rules. What are the Roth IRA withdrawal rules, and how could they affect your retirement?

Where should you keep your money after retirement?

Even though you're no longer working, that doesn't mean your money should stop working, too. Read on for tips on where you should keep your money after retirement.

10 Reasons Why People Cash Out IRAs Early

It's a rare accountant who thinks dipping into an IRA is a good idea, because tapping into that fund can be expensive. However, some people do cash out their IRAs early. What are the main reasons for doing this?

10 Ways to Build a Nest Egg

More than half of all Americans haven't figured out how much they need to save for retirement. Read on if you're one of them.

Can you cash out your IRA to buy a home?

These days, it can be hard enough to pay bills, much less save enough for a down payment on a house. If you want to buy a home sooner rather than later, can you cash out your IRA to help cover the costs?

10 Breaks Retirees Get That Working People Don't

For many people, retirement is the art of balancing less money with more free time, and many businesses know that money is tight in retirees' pockets. What are some breaks you can look forward to in retirement?

How do you know if you're saving enough for retirement?

Saving for retirement is one of those "shoulds" that you'd like to put off until sometime in the undefined future. But the longer you wait to start saving, the harder it is. So how do you know if you're saving enough for retirement?

10 Steps to Creating a Living Will

It's a document many people find unsettling, but in the event of a health crisis that leaves you incapacitated, a living will ensures that your treatment wishes are honored. We'll take you through the steps it takes to create this document.

How can online banking help me manage my retirement?

If you want to be a millionaire by the time you retire, you have to start planning today. The solution to managing your future funds is at your fingertips: It's your computer's keyboard. Online banking is a smart way to swaddle that nest egg.