A higher-than-average household income helps residents build stronger retirement savings than many of their peers, while homeownership rates remain robust. That financial foundation gives Minnesota retirees a solid cushion, though the state’s higher cost of living can erode some of those advantages. For retirees who have already built up a healthy nest egg, Minnesota offers a stable environment, but it may be less attractive for those who need to make every dollar stretch.Still, the state’s higher overall t ...

If you have lower-interest loans designed to be paid off over the long haul -- like student loans or a mortgage -- then early payoff may not actually be for you. These kinds of debts may have low rates and interest may even be tax deductible, depending on your income and tax filing status. It doesn't make much sense to pay off this type of debt early when you could earn a better ROI by investing in the stock market.If you have credit cards, medical debt, or personal loan debt at a high interest rate, then y ...

If you’re one of the few American workers with a traditional pension, your retirement strategy likely looks different from that of your peers. As of March, 2025, only 14% of U.S. workers were covered by a defined benefit pension plan, according to the Bureau of Labor Statistics. (1) These plans are far more common among government employees and retirees. In fact, nearly 86% of state and local public sector workers have access to such a pension, according to Congress. (2) And in 2024, 56% of retirees repo ...

Saulich Elena / Shutterstock.com Quick Read BTC volume down on heels of FOMC ETH shows strength at $3,300 If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here   The long awaited end of 2025 FOMC Meeting looms over markets, with BTC trading down slightly today at the $92k level. Since touching $94k yesterday, BTC has slowly ground down, but is seeing stro ...

Timofey Zadvornov from Getty Images and Kaboompics.com from Pexels Key Points A 55-year-old retiree with $2.5M can safely withdraw around $92,500 annually based on the revised 3.7% withdrawal rate. Experts lowered the safe withdrawal rate from 4% to 3.7% due to longer lifespans and lower projected future returns. Even conservative withdrawal rates often result in portfolio decline over time due to market downturns and inflation adjustments. If you’re thinking about retiring or know someone who is, ...

J.J. Gouin / Shutterstock.com Quick Read Social Security replaces only 40% of pre-retirement income and cannot sustain most retirees’ living standards. Annuities offer lifetime income guarantees and tax-deferred growth. 64% of Americans fear running out of money more than death, and an annuity could be a good solution for this fear. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take ...

宏观经济与政策 - 美国财政部长预测2025年美国实际GDP增长率为3% [1][6] - 美国2024年第二季度GDP增长3.8%，第三季度增长可能为3.5% [2] - 美联储预计在周三的会议上决定是否进行年内最后一次降息 [3][6] 市场情绪与反应 - 密歇根大学消费者信心指数最新读数为53.3，较11月环比上升4.5个百分点，但同比下降28点 [3] - 消费者信心数据可能为美联储降息提供政治掩护，这被视为利好股市的因素 [3] - Vanguard标普500 ETF周一早盘开盘上涨0.1% [1] 公司财报日程 - Toll Brothers计划公布第四季度财报，市场预期其每股收益为4.88美元，季度销售额为33亿美元 [4] - 周二预计公布财报的标普500成分股公司包括AutoZone和Campbell's [4] - 周三预计公布财报的科技公司包括Oracle、Adobe和Synopsys [4]

If you’re a millennial, chances are you’ve had a thought or two about retirement planning. No longer the up-and-coming generation, those born between 1981 and 1996 are here and now. “Here” is in an uncertain economy where homeownership is territory only the oldest in this age range might have ventured into, with the average age of first-time home buyers being over 40. And “now,” for many millennials, is “20-something” years to retirement or longer. While the retirement age is officially considered 65, you’ ...

In this piece, we look at a 61 year old retiree who recently left behind a $145,000 salary. They have built a strong financial foundation, including nearly $2 million in a 401(k), healthy balances in other tax advantaged accounts, and a sizable amount of cash and CDs. With solid investments and plenty of liquidity, they appear to be well prepared for a long retirement.This post was updated on December 5th, 2025 to clarify the 4% rule's annual adjustments, as well as the conservative nature of a 3% withdrawa ...

unomat / iStock via Getty Images Quick Read A Redditor has this issue, and if you’re facing the same problem, it’s time to take action. You’re behind on retirement, but you’re not as far back as you think. There are also policies in place to help you catch up. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here The average person at 55 has a portfolio ...