RESOURCES
Useful Articlesand Resources
How Do I Handle Healthcare in Retirement?
By Jay Zigmont | Sep 19, 2025
Navigating healthcare in retirement can be complex. This guide breaks down your options, from the healthcare marketplace for early retirees to the different parts of Medicare and the benefits of an HSA for covering costs.
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Will Social Security Be Around When You Retire?
By Jay Zigmont | Sep 19, 2025
Social Security is a critical part of retirement planning, but its future is uncertain. This article explains why the system is under threat and what you can do to ensure your financial security.
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401(k) vs. 403(b): Everything You Need to Know About Employer-Sponsored Retirement Plans
By Jay Zigmont | Sep 4, 2025
Employer-sponsored retirement plans like 401(k)s and 403(b)s are powerful tools for building your future. Contribute early, take advantage of employer matching, and let compound interest work for you—no matter where you are in your career, it’s never too late to start.
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Roth vs. Traditional Retirement Accounts: What’s the Best Choice for You?
By Jay Zigmont | Sep 4, 2025
Choosing between a Roth and traditional retirement account comes down to when you want to pay taxes—now or later. Your income, future tax bracket, and retirement goals will determine the best fit.
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Roth Conversion 101: Should You Make the Switch? Here’s What You Need to Know
By Jay Zigmont | Sep 4, 2025
A Roth conversion lets you move money from a traditional IRA or 401(k) into a Roth account—paying taxes now in exchange for tax-free growth and withdrawals later. It can be a smart move if your income is lower this year or you want more flexibility in retirement, but it comes with upfront tax costs.
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Target Date Funds: The Hands-Off Retirement Investment You Need to Know About
By Jay Zigmont | Sep 4, 2025
Target date funds make retirement investing simple by automatically adjusting from aggressive to conservative as you near retirement. They’re a convenient, hands-off option found in 401(k)s, IRAs, and more—but whether they’re right for you depends on your risk tolerance and goals.
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Pensions: What They Are and How They Can Fit into Your Retirement Plan
By Jay Zigmont | Sep 4, 2025
Pensions may be rare today, but if you have one, they can be a powerful piece of your retirement plan. Learn how pensions work, why they’re disappearing, and the choices you’ll face if you’re lucky enough to have one
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FILE: Financial Independence, Live Early – A New Approach to Retirement for the Childfree
By Jay Zigmont | May 20, 2024
FILE stands for "Financial Independence, Live Early," and it’s a twist on the popular FIRE (Financial Independence, Retire Early) movement. Instead of quitting work altogether at a young age, FILErs achieve financial independence and use their newfound freedom to live life on their own terms.
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FIRE: Financial Independence, Retire Early – Is It the Right Path for You?
By Jay Zigmont | May 16, 2024
FIRE is a lifestyle movement that focuses on achieving financial independence as quickly as possible, so you can retire earlier than the traditional retirement age. The goal is to save aggressively and live frugally, which allows you to retire much earlier than most people.
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How to Know When You’re Ready to Retire: A Guide for the Childfree
By Jay Zigmont | May 7, 2024
If you're deep into your working years, you may be wondering how to tell when it’s time to retire. We'll take a look at what you should consider before making the big decision, both financially and mentally.
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