Early withdrawals can shrink your 401(k) savings. See how to calculate the IRS 10% penalty, and learn about exceptions, SECURE 2.0 updates, and penalty‑free alternatives.

The No. 1 financial goal for most Americans is to stop working. Once they retire, their primary goal becomes not running out of money.

Morningstar’s new analysis suggests retirees can start with one withdrawal rate and adjust for inflation, but taxes, fees, ...

The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...

The “right” safe starting withdrawal rate is a moving target, depending on equity valuations, bond yields, prospects for inflation, and a retiree’s own life expectancy and asset allocation, among ...

This article discusses what you might expect your RMDs to be if you have $1 million inside your retirement accounts, and I'll ...

Here’s What Your Retirement Spending Rate Should Be in 2026 New research shows that flexible withdrawal strategies can help you spend more in retirement. Christine Benz and Margaret Giles Dec 5, 2025 ...

If you’re planning for retirement, it’s easy to get sucked into focusing on the “magic number” you think you’ll need to finally stop working and live comfortably. In fact, you could spend so much time ...

A retirement budget compares expected income with planned expenses to see whether spending fits within available income. This ...