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For Pique Week, get a FREE Nectar Sweetener with any $115+ order, plus 20% off for life when you subscribe. | Rise and shine, RetireHub community! ☀️ Your Tuesday newsletter is here! | Today we’re sharing smart tips on Tax-Smart Inheritance Planning, along with the best deals, fun trivia, and more! |
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| | | | What We’re Reading | Get these e-book deals before they're gone. | | It's Just Riding: Just Pete from Sea to Key | By: Jeff Peterson | After retiring, Jeff Peterson hiked the Appalachian Trail and walked the Camino de Santiago — then, with virtually no cycling experience, set off to ride 4,535 miles from Washington State to Key West. Armed with minimal preparation and a stubborn refusal to quit, what followed was a cross-country ride filled with daunting climbs, absurd mishaps, and unexpected kindness. A humorous, heartfelt memoir about taking on big adventures at any stage of life — it reached #1 on Amazon's New Releases in Cycling. | Get it for just $8.99 today! |
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| | The Legacy He Left Behind (The Legacy Series Book 1) | By: Thomas Vale | Twenty years ago, four teens buried a secret by the river and swore to keep it silent. Now Elias Monroe is back in Windermere, and the secret is surfacing with him. Claire Bennett, desperate to prove her late father innocent, follows Elias into tunnels and sealed files. What they uncover could redeem him or bury them both. Book 1 of 6. | Get it for FREE today! |
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| | When I Need God the Most: Finding His Help When Life Gets Tense and Tough | By: H. Curtis McDaniel | When I Need God the Most is a series of hands-on Bible studies offering practical wisdom that God offers when you face difficult issues. The author gives clear, useful, Scriptural answers to many of the issues people face every day. WIth discussion questions at the end of each chapter, this study is ideal for small groups, midweek and weekend church classes, and congregational outreach, in addition to personal study and daily devotions. Available in paperback and in Ebook. | $25.49 — Get it for just $16.99 today! |
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| | Becoming Little Owl: The Story of Dakota the Rabbit | By: Russell Kolber | Little Owl asks wise grandfather Whiskega what it's like to be Dakota, the pet rabbit, and is led on a dreamlike journey through ten creatures of the forest. Becoming a fish, a deer, an eagle and a bear, Little Owl discovers that the greatest creature you can be is the one you already are. Written by a master clinical hypnotherapist, with gentle relaxation woven into every chapter, it's a story grandparents can read aloud and watch a child drift off to sleep. | See it on Amazon → |
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| | The Long Farewell: A Caregiver’s Journey Through Alzheimer’s, Love, Loss, and Lessons Learned | By: Robert M. Fleisher | The Long Farewell puts a human face on one of the greatest health challenges of our time. By illuminating the devastating consequences of Alzheimer's disease for patients and families alike, it reinforces why prevention, early intervention, and public awareness must become national priorities. Every policymaker, healthcare professional, and family member should read this book. David Perlmutter, MD Neurologist and Author, #1 New York Times bestseller, Grain Brain and Brain Defenders | $15.99 on Amazon → |
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| | | On this day in 1927 The Jazz Singer premiered in New York City, making history as the first feature-length film with synchronized spoken dialogue—ushering in the era of “talkies” and changing cinema forever. Audiences were stunned to hear Al Jolson say, “You ain’t heard nothin’ yet!”—and indeed, they hadn’t! |
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| Tax-Smart Inheritance Planning: Protecting What You Pass On | When it comes to planning your legacy, it’s not just about who gets what—it’s also about how much they actually receive after taxes. With careful preparation, you can minimize the tax burden on your heirs and ensure your hard-earned assets make the biggest possible impact for the people and causes you care about. | Understand the Basics | The federal estate tax currently applies only to estates exceeding $13.6 million (as of 2024), so most families won’t owe it. But other taxes can still chip away at your legacy—like capital gains, income taxes on retirement accounts, or state-level inheritance taxes. For example, if your heirs sell a home or stocks they inherit, they could face capital gains taxes unless the estate planning accounts for step-up in basis rules. | Common Assets to Plan For | Real Estate: Passing down a house may seem simple, but how it's titled matters. A living trust can avoid probate and simplify the transfer. Retirement Accounts: IRAs and 401(k)s are subject to required minimum distributions (RMDs) for beneficiaries, often taxed as ordinary income. Life Insurance: Proceeds are generally tax-free, but may still be included in your estate unless properly structured.
| Smart Strategies | Use a Trust: Revocable or irrevocable trusts can help avoid probate, maintain privacy, and offer more control over how and when heirs receive assets. Give While Living: You can gift up to $18,000 per year (2024) per person tax-free. Lifetime giving can reduce your taxable estate and let you enjoy seeing your gifts in action. Roth Conversions: Converting traditional IRA funds to Roth IRAs spreads the tax burden over time and may leave heirs with tax-free income. Charitable Giving: Donor-advised funds or charitable remainder trusts allow you to support causes you love while gaining tax benefits.
| 🧠 The Bottom Line | Even if your estate is modest, having a plan can save your loved ones from costly headaches and unnecessary taxes. Working with a trusted financial advisor or estate attorney can help you align your wishes with smart tax planning. | How Prepared Are You for Inheritance Planning? | |
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| From the RetireHub Archives: Have You Tried an Adaptive Fitness or Sports Program? |
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| | Looks like our readers are a wonderfully mixed batch when it comes to canning and preserving! About 28% of you have been doing it for years—jars, labels, and all. Another 16% have dipped your toes in and enjoyed it, while 11% are eager to learn, which makes us think a how-to guide may be in order! Some folks (12%) love the idea of it but find it a bit intimidating (totally understandable), and a solid 30% gave it a polite “nope—not for me!” No matter where you land, we love hearing how you connect (or don’t!) with this time-honored tradition. Thanks for chiming in—your answers help us stir up future content that’s just your flavor. | OUR FAVORITE COMMENTS | “I put my sneakers and just walk out the door Easiest way to get in some exercise. ” “All of 2024 I walked briskly for 2 to 3 miles a day, but at the beginning of 2025 my right hip and left knee began hurting (arthritis); I had my right knee replaced a few years ago because it kept swelling and making simple tasks next to impossible. I don't want to replace my hip/left knee until (or if) they get worse, so I only walk a mile twice a week now.” “We're working on several DIY projects around our property. We also are going to return to the Y, using the swimming pool.”
| | Paint Smart, Not Expensive: Budget-Friendly Oil Painting Tips | Painting with oils doesn’t have to break the bank—there are clever strategies to keep creativity alive without emptying your wallet. One key tip is to make your own gear: simple easels, DIY painting boxes, or repurposing existing supplies can save a lot. Smaller canvases, MDF panels, or offcuts (properly primed) are often far cheaper than full stretched canvases. | Another way to stretch your budget is by choosing fewer, better materials. Using a basic palette of primary colors plus white—or repurposing good student-grade paints—forces you to learn mixing and keeps your supply list short. And quality brushes matter: investing in a few well-made bristle brushes and caring for them properly (e.g. cleaning with kerosene or white spirits) can extend their life. | Finally, lean into free or low-cost learning tools: YouTube tutorials, Pinterest inspiration, and affordable classes are all great ways to build skill without added expense. Over time, being deliberate with materials and practices helps you paint with more purpose—and prevents financial stress from crowding out creative joy. | READ MORE | |
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| Follow us on Social Media! | Join an online community thriving in retirement! Find us on: | | 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! | |
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| Slang Phrase of the Day | Phrase: Millennial pause | Meaning: The millennial pause refers to the brief moment of hesitation many millennials unconsciously make before they begin speaking in a video recording—especially noticeable on platforms like TikTok or Instagram Stories. It’s a split-second delay caused by years of using older phone cameras that required a beat before recording actually began. Gen Z, who grew up with faster tech, tend to jump right into speaking, making this pause a generational giveaway. | In a sentence: “I saw my granddaughter filming a video and jumping right into her story, no hesitation—meanwhile, I still do that little millennial pause at the start like I’m waiting for a camcorder to catch up!” | |
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| Good News of the Day | Fighting Wildfires from Prison, A New Law Gives Ex-Cons Route to California Fire Dept. Jobs on Release | Rather than being stuck on the chain gang, California prisoners are often on the bucket brigade. Roughly half of all California firefighters are incarcerated individuals. The pay is better than other prison jobs, and is reported to be a welcome break from the monotony of prison life. Now, following the stewarded passage of a bill […] | READ MORE | |
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| | Free delivery that pays for itself | If you're not already a member, Amazon Prime bundles free fast delivery with Prime Video's movies and shows. The 30-day free trial is the easy way to see whether it earns its keep. | | |
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| | 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: | |
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| What gas makes up the largest share of Earth’s atmosphere by volume? | | Who hosted The Smothers Brothers Comedy Hour (1967–1969) on CBS? | |
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| What is the smallest sovereign nation in the Americas by land area? | | A QUICK ASK: First off, thank you for reading RetireHub every day. It fills our cup that so many thousands of people get joy from our little publication. | As you know, good content costs money. In order to continue supporting ourselves and to continue delivering the content you enjoy every day, we need to pay our writers. If you can, we ask you to subscribe to our paid account (for $5/month - less than a cup of coffee!) below. | If you choose to purchase a paid subscription, please know you’re supporting not only our publication, but tens of thousands of other 50+ year old Americans that get joy, entertainment, financial tips, and more from RetireHub every single day. | If you don’t join the paid plan (or can’t), no worries at all. We know times are tough. Thank you for being a part of our tiny, joyful part of the Internet. | - Jay | → Support Our Writing ← |
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