Getting Ready for Retirement: In Your 20s

January 26, 2021 - Spectrum Credit Union

It’s often hard to think about retirement in your 20s with your life and career ahead of you. But time is your greatest advantage. Here are four savings tips to prepare now for retirement later.

Is Long-Term Care Insurance a Good Idea?

December 30, 2020 - Balance

As you get older, there are a few numbers that should concern you even more than the amount of birthdays you’ve had: life expectancy averages and the cost of long-term care.

Resources for Seniors in a Financial Crunch

December 30, 2020 - Balance

Many seniors avoid seeking help for their money problems, citing reasons such as not wanting to bother people, not knowing who to trust, and feeling ashamed...

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Retirement Withdrawal Rate: What’s a Safe Number?

December 30, 2020 - Balance

For quite a while, the standard advice was to take 4% out of your total retirement nest egg every year to have enough money for a comfortable lifestyle in your golden years.

The Basics of Social Security Retirement Benefits

December 30, 2020 - Balance

If you’ve worked for many years, you may be ready to start a new, more relaxed phase of your life: retirement. However, before giving your employer your final notice...

Dollars and Sense: Budgeting for Truly Golden Years

December 30, 2020 - Balance

Preparing financially for retirement for many people is a shot in the dark: just save as much as you can and hope it’s enough. It’s understandable that people...

How Long Will My Retirement Savings Last?

October 15, 2020 - Balance

Enter how much you have saved to-date for retirement. Then add to this number how much you can realistically save between now and your retirement date. Finally...

What Happens to Debt After Death?

October 13, 2020 - Balance

You come home one day and find a letter asking you to pay your recently deceased spouse’s $400 credit card bill. Soon after, you start receiving collection calls...

Seniors, Debt, and the Law: Everything You Should Know

July 22, 2020 - Balance

If you are a senior citizen who is having a difficult time repaying unsecured debt, it is vital that you understand what can—and cannot—happen to you if you can’t pay...

Helpful Referrals for Seniors

June 16, 2020 - Balance

Below is a list of organizations dedicated to the needs of seniors—and it’s just the beginning. While many of these national organizations can refer you to agencies...

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