Скачать с ютуб The New Rules For Retirement with Morningstar's Director of Retirement Planning Christine Benz в хорошем качестве

The New Rules For Retirement with Morningstar's Director of Retirement Planning Christine Benz

How to make sure your money lasts as long as you do. A few months ago, AARP released a survey that found that one in five Americans over 50 reported having no retirement savings, and over half don’t think they'll have enough money to keep them going in retirement. While many of us used to have pension plans to keep us afloat in retirement, now the vast majority of us rely heavily on Social Security and 401(k)’s. Our system and our life expectancy are just different now…which means we need to plan differently. (And yes, this means we need to actually make a plan.) Christine Benz, author of How To Retire: 20 Lessons For A Happy, Successful, And Wealthy Retirement, shares her top strategies for planning the retirement of your dreams. Join our free budgeting webinar on October 15th at 7 PM ET: https://us02web.zoom.us/webinar/regis... Chapters: 00:00 The Retirement Crisis 02:00 Planning for Longer Lives 04:01 The Shift in Retirement System 06:50 Challenges of Retirement 10:01 Cognitive Decline and Long-Term Care 13:46 The Bucket Approach to Retirement 22:14 How To Calculate Retirement Needs 26:24 The Impact of Taxes on Retirement 29:04 Non-Financial Aspects of Retirement Takeaways: Many Americans over the age of 50 have no retirement savings, and the retirement crisis is a result of the shift from pension plans to individual savings. Longevity is a significant factor in retirement planning, as people are living longer and need to ensure their savings last. Social security and 401(k) plans play a crucial role in retirement income, but many people are not taking full advantage of these resources. Planning for cognitive decline and long-term care is essential, as it can have a significant impact on financial and caregiving responsibilities. The bucket approach to retirement portfolios, which includes a cash bucket for emergencies, can provide peace of mind and help manage risk. Retirement is not just about money; it also involves relationships, purpose, and personal fulfillment. Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at https://bit.ly/46R6h6M! Buy the Book: https://www.amazon.com/How-Retire-les... Follow the podcast: On Apple podcasts: https://apple.co/3lyZs59 On Spotify: https://spoti.fi/3Rb4nYM The HerMoney Instagram:   / hermoneymedia   Listen to the podcast episode “The New Rules For Retirement” - [   • The New Rules For Retirement with Mor...  ] — Listen to The HerMoney Podcast while you're on the go! [https://pod.link/1098802558] Available wherever you listen to your favorite podcasts. New episodes drop every Wednesday. — Subscribe to the channel here: https://bit.ly/4agSrxo Take our Money Type Quiz! https://moneytype.hermoney.com/ — Follow Jean here: Instagram:   / jeanchatzky   TikTok:   / jeanchatzky   Facebook:  / jeanchatzky   LinkedIn:   / jeanchatzky   Twitter/ X:   / jeanchatzky   — Sign up for our newsletter to save more money, save time, and get actionable advice here: https://bit.ly/46R6h6M — Sign up for InvestingFixx, our learn-to-earn investing program. Every week, we dig into the markets and decide what we should buy and what we should sell: https://bit.ly/46LYWVT Sign up for FinanceFixx, our financial coaching program designed to help you dig deeper into your finances and money habits: https://bit.ly/3Rrpk2L — Looking for our books on Amazon? Here they are! How To Money: https://amzn.to/3N8S4ej Women With Money: https://amzn.to/3t3vOvu Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here: https://bit.ly/3ybXbWU #podcast #hermoneypodcast