Why Having Emergency Savings is Vital for Feds If you have little-to-no savings that is accessible to you when you need it, a job loss, furlough, or medical emergency could be catastrophic to your finances. Emergencies are [...]
On May 16, 2025, Moody's downgraded the U.S. sovereign credit rating from Aaa to Aa1, citing concerns over the nation's rising debt and interest payment burdens. This move follows similar downgrades by S&P in 2011 and Fitch [...]
Defining inflation is simple—it’s when everything becomes more expensive. The reason it happens and how it’s measured, however, is complicated. For many retirees, it begs the question, “Does inflation affect my retirement?” Put simply, the answer is [...]
As a federal employee, your Thrift Savings Plan (TSP) plays a crucial role in your financial future. Managed wisely, it can help you retire comfortably and with confidence. But using the TSP the wrong way—or for the [...]
President Trump’s newly passed “One Big Beautiful Bill” (OBBB) is making headlines, and retirees might want to pay close attention. Aimed at expanding the 2017 Tax Cuts and Jobs Act (TCJA), this sweeping legislation includes a mix [...]
For many retirees, Social Security isn’t just a monthly deposit—it’s the foundation of their entire retirement income. But choosing when to claim it isn’t as simple as picking a birthday and signing paperwork. It’s a decision with [...]
If you’ve ever said, “I do,” it’s more than likely your spouse is the named beneficiary to begin receiving your pension benefits upon your death. On the flip side, single and divorced federal employees have different decisions [...]
Birthdays in retirement aren’t just a reason to celebrate—they’re also checkpoints that can unlock new financial opportunities (or trigger important deadlines). From Social Security eligibility to Required Minimum Distributions (RMDs), several key ages mark turning points in [...]
Life insurance is one of those topics many of us tend to avoid, perhaps because it feels like something we don't need to think about until absolutely necessary. But here's the truth: life insurance is a crucial [...]
Retirement is a time to enjoy the fruits of your labor. But amidst the dreams of travel and newfound hobbies, there's one aspect that often looms large: healthcare expenses. Enter the Health Savings Account (HSA), a tool [...]
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