Here’s the surprise most people don’t expect: The people who save the most for retirement are often struggling the most to enjoy it. Not because they didn’t do enough. Not because they made poor decisions. But because the habits that made them successful don’t turn off just because they retired. As a financial planner, this is something I see repeatedly. Smart, disciplined retirees reach retirement with more than enough—and yet find themselves anxious, hesitant, and second-guessing every...

This is a highlight of financial strategy considerations for RTX employees

Most people don’t struggle with retirement because the math is complicated. They struggle because they’ve been handed answers that were never meant for them in the first place. Somewhere along the way, retirement planning became a collection of shortcuts: a million dollars, two million dollars, the 4% rule, 20 times your expenses. Each one sounds reasonable. Each one feels concrete. And none of them actually know you. They don’t know what you spend. They don’t know what income you can count...