Your Money

Last week, the Fed cut rates by a quarter-point even as inflation ticked up to 2.7%—a move some fear could stoke more price pressures. For retirees, that risk is especially dangerous: inflation quietly eats away at purchasing power and can throw traditional strategies, like the 4% withdrawal rule, off course.

The attached article highlights three key concerns. First, inflation shocks—like the 9% surge in 2022—can devastate portfolios, with Social Security cost-of-living adjustments often failing to keep pace. Second, hitting a bear market or high inflation early in retirement magnifies losses that are hard to recover from. Finally, retirees need flexible strategies, such as cutting expenses during inflation spikes and using tools that adjust withdrawal rates based on market conditions.

Portfolio structure, tax treatment of assets, and inheritance goals also shape what’s sustainable. With inflation trending higher, the takeaway is clear: retirees can’t rely on rules of thumb alone—proactive, customized planning is the best way to safeguard long-term security.

Why he calls inflation retirees’ ‘greatest enemy’
by Lorie Konish

Your Life

Is there a right time to shower? This article breaks down the benefits of both morning and nighttime showers—from boosting alertness and setting a productive tone to promoting relaxation and better sleep. Dermatologists and sleep experts weigh in, suggesting the best time really depends on your goals and lifestyle. Spoiler: both have their perks, so it’s all about what works for you.

Should You Shower in the Morning or at Night?
by Matt Fuchs

Complexity Simplified

Trivia