How Much Should You Really Have Saved for Retirement by Decade
Most Americans have $185K saved by 55—far short of Fidelity's 10x salary target. See where you should stand at each decade.
Sung-Jin Yoo
Nobody told Sung-Jin Yoo that starting a retirement newsletter at 26 while paying off student loans was a bad idea — or if they did, he ignored them. His self-built research practice, documented since 2021 in the newsletter *Deferred No More*, leans heavily on primary sources: actuarial tables, IRS notices, and peer-reviewed behavioral finance studies, all footnoted because he believes readers deserve to verify claims themselves. He hosts *The Long Horizon Podcast* (under 10k subscribers, proudly), where he interviews researchers and retirees who challenge the conventional wisdom that young people can afford to wait.
SIMPLE IRA vs SEP IRA: Which Small Business Retirement Plan Is Right for You
Learn about SIMPLE IRA vs SEP IRA. Compare contribution limits, eligibility rules, and costs to find the best retirement plan for your small business.
How a Retail Worker With No College Degree Built a Comfortable Retirement by 65
Learn about retirement savings low income. Discover how one retail worker with no degree built a secure retirement by 65 using simple, consistent strategies.
Inherited IRA Rules After SECURE 2.0: What Beneficiaries Must Do Now
Learn about inherited IRA rules. Discover how SECURE 2.0 changes affect beneficiaries, RMD requirements, and the steps you must take to avoid costly penalties.
Government Pension Offset: How It Shrinks Social Security Benefits for Public Sector Workers
The GPO cuts spousal benefits by two-thirds of your government pension—83% of affected workers lose their benefits entirely. See if you're at risk.
Defined Benefit Plan for Small Business Owners: The Retirement Account That Lets You Contribute Six Figures
Learn about defined benefit plan small business options. Discover how owners can contribute six figures annually and slash taxes with this powerful retirement strategy.
Part-Time Work in Retirement: How Earning Even $1,000 a Month Changes Your Entire Financial Picture
Earning $1,000 monthly in retirement extends your savings 5–10 years and cuts portfolio pressure. See how modest work transforms your financial security.
Bucket Strategy for Retirement Income: A Step-by-Step Guide for Beginners
Learn about bucket strategy retirement income. Discover how to divide savings into buckets for steady, stress-free income throughout your retirement years.
5 Things Most People Get Wrong About Traditional IRA Contribution Rules
Learn about traditional IRA contribution rules. Avoid costly mistakes with income limits, deductibility, age rules, and annual caps explained clearly.
Retiring Early With a Chronic Illness: How to Plan When Healthcare Costs Are Unpredictable
Learn about early retirement chronic illness. Discover smart strategies to manage unpredictable healthcare costs and retire early — even with a chronic condition.