Imagine you’re carrying a basket of eggs to your dream retirement picnic (stay with me here). Now, what happens if you trip? Every single one of those eggs goes splat, and suddenly, your picnic dreams are toast. That’s what happens when you don’t diversify your in...
Alright, let’s get real about something you probably haven’t thought about in a while—beneficiaries on your retirement accounts. I know, thrilling topic, right? But seriously, it’s one of those little details that can make a huge difference.
Think about it like this: You’ve worked hard, saved up, and...
Alright, let’s talk about inflation. I know, not exactly the kind of thing you bring up at brunch, but it’s one of those sneaky little forces that can mess with your retirement savings if you’re not paying attention. And we’re friends, so I’m here to make sure that doesn’t happen to you.
Alright, let’s talk about something that’s easy to ignore but super important—retirement income. Don’t worry, this isn’t a boring lecture. It’s more like a chat over coffee, where I casually remind you not to let future-you struggle with money. Let’s dive in.
Alright, let’s chat about something super important for your retirement: healthcare. I know, I know—insurance isn’t exactly a thrilling topic, but hear me out. If you’re a federal employee, you’ve probably been rocking your FEHB (Federal Employees Health Benefits) plan for years. And when Medicare c...
Alright, let’s be real for a second—thinking about retirement feels weird when you’re busy living your life. Like, how are we supposed to worry about something decades away when we’ve got bills to pay, shows to binge, and that mysterious “adulting” thing to figure out?
But here’s the deal: star...
Alright, let’s be real—retirement planning can feel like one of those “I’ll deal with it later” things. It’s overwhelming, confusing, and a little scary. But here’s the good news: there are some amazing tools and resources out there that can make it way easier. Think of th...
So, you’re getting closer to retirement, huh?
First of all, congrats. Seriously, you’ve earned this. But let’s get down to the big question on your mind: What benefits can you take with you when you finally retire? It’s a good question, and honestly, the answer can make or break your retirement...
Alright, let’s talk about the High-3 salary, because if you’re a federal employee, this is one of the most important numbers in your retirement plan. And no, it’s not some secret government code—it’s actually pretty simple. The High-3 is the average of your three highest-paid years of service.
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Alright, let’s talk about FERS and CSRS—two retirement plans that sound like government acronyms (because, well, they are) but actually decide how you’re going to live your best retired life. If you’ve ever wondered what makes these plans different, you’re not alone. And honestly? It’s not as compli...
