Good morning from RetireHub! ☀️ Your Saturday newsletter has arrived.

Let’s discuss making your retirement savings last, the best deals on the web, and more. Enjoy!

Top Deals From Around The Web

We find the best daily online deals so you don’t have to!

🤑 Amazon’s Clothing Overstock sale - deals from $2 + free shipping!

💻 Up to 50% off cell phone + laptop charger deals on Amazon!

⚡️Up to 65% off featured flash deals at Walmart - robot vacuums, hair tools, sweatpants, plush blankets, and more!

What We’re Reading

Check out this free book—get it on Kindle before it’s gone!

On this day in 1948, Burma (now Myanmar) officially broke free from British rule, marking a historic moment of independence! This milestone came after Burmese leader Aung San and British Prime Minister Clement Attlee struck a deal in 1947, setting the stage for the country’s new chapter.

RetireHub Poll

How to Make Your Retirement Savings Last: 5 Key Strategies

Ensuring your retirement savings last throughout your golden years requires careful planning and smart financial habits. Here are five key strategies to help you make the most of your nest egg:

Stick to a Sustainable Withdrawal Rate

One of the most important decisions you’ll make in retirement is how much to withdraw each year. A common guideline is the 4% rule, which suggests withdrawing 4% of your savings annually. However, this can vary based on your unique circumstances, such as life expectancy and health. You might want to adjust this rate lower to ensure your savings last longer.

Diversify Your Investments

Diversifying your investment portfolio can help manage risk and smooth out fluctuations in the market. While it’s important to shift towards lower-risk investments as you get older, maintaining a balanced portfolio with a mix of stocks, bonds, and other assets can help you grow your savings while minimizing risk.

Keep Track of Your Spending

It’s easy to overspend in retirement if you don’t keep track of your expenses. Review your spending habits regularly and adjust where necessary. You may need to cut back on discretionary spending, such as travel or luxury items, to ensure your savings stretch as long as possible.

Plan for Healthcare Costs

Healthcare can be one of the biggest expenses in retirement. Make sure you have a strategy in place to cover medical costs, whether through health savings accounts (HSAs), long-term care insurance, or other means. The earlier you start planning for healthcare, the less stress you’ll face down the road.

Seek Professional Advice

Consulting with a financial advisor can help you optimize your retirement plan. They can provide personalized strategies based on your goals, financial situation, and risk tolerance. Professional advice can also ensure that your portfolio is well-managed and that you’re withdrawing funds in the most efficient way.

By following these strategies, you can help ensure that your retirement savings will continue to support you well into your later years.

Yesterday’s Poll Results: What type of meals do you usually cook?

Top comments & sentiments:

• “I love learning new recipes!”

• “I normally cook twice a week. I make enough of a main dish (chili, goulash, roast, kraut w/meat, etc.) to last 3-4 days and augment that with veggies, salads, etc. This works well for me and takes the hassle out of meal planning.”

• “Because we are working on DIY projects around the house, we frequently do simple and quick meals.”

  While we can’t publish them all, we do read and appreciate every comment. Some comments are edited to make room for more contributions.

Senior Living News From Around the Web

In Your Life, What’s Not Working? Start Fresh in 2025

If you're feeling stuck or uncertain about what's working in your life, you're not alone. This article explores how to identify areas that might not be serving you well and provides guidance on how to shift your mindset to create a more fulfilling future. It offers practical advice for making changes, whether in relationships, career, or personal growth.

Read More

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Every day we post retirement tips, highlights from our newsletter so you can comment and discuss in the community, and some fun retirement-themed motivation!

Longevity Tip of the Day

Sit less—“Sitting is bad, standing is good,” so consider a standing desk while you work, read, or do daily tasks on the computer. Standing while you work is one of the best things you can do for your posture, which in turn increases your likelihood of being more active in the future.

Slang Phrase of the Day

Phrase: Fr

Meaning: Used to express agreement or to emphasize the truth, similar to saying "for real."

In a sentence: "That concert was amazing, fr!"

Good News of the Day

Young Woman Returns Family Photos Lost in Hurricane Helene Using Social Media to Find Owners

A young woman used social media to track down the owners of family photos lost in Hurricane Helene. After finding the photos in a thrift store, she launched a successful campaign to reunite them with their rightful owners. Her efforts highlight the power of social media in restoring personal memories.

Read More

Other Publications We Like

Check out these other email newsletters we think you’ll enjoy!

• Tim Ferris's 5-Bullet Friday (For books, gadgets, and more!)

• 📚 Freebooksy: RetireHub members get unlimited free eBooks!

RetireHub Trivia

Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.

Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:

• Snake

• Hangman

• Tetris

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**RetireHub may share poll results with advertisers.