Key Points Without retirement savings, you might struggle during your senior years. A shocking number of Americans don’t have a retirement savings plan they’re funding. The sooner you begin to save, the easier it will become to build a respectable nest egg. The $23,760 Social Security bonus most

Key Points Many people were disappointed when Social Security benefits only rose 2.5% at the start of the year. So far, next year’s Social Security cost-of-living adjustment (COLA) does not look to be much higher. There’s still a chance of a better raise in 2026, but it’s apt to come at a cost. The

Key Points A monthly fee of $4.55 could cause you to lose nearly $18,000 in account growth. A 401(a)(5) fee disclosure form lists all the fees you’re responsible for paying. A fund prospectus is a good place to go for seeking out less expensive investments. The $23,760 Social Security bonus most

Key Points Taking an advance on your next paycheck may sometimes be necessary, but doing so can cut into the amount you have to save and invest. Once you’ve received a smaller-than-usual paycheck, it’s easy to fall behind on financial obligations. Finding ways to contribute even a modest amount

Key Points The Social Security Administration will announce the 2026 COLA in mid-October. The increase is likely to be similar to the increase that seniors saw in 2025. A part-time job or other options may help if it’s not enough to make ends meet. The $23,760 Social Security bonus most retirees