Your Money

Many retirees reflect on their financial choices with regret, often wishing they had saved more. Wharton professor Olivia Mitchell’s research reveals that most adults over 50 feel they didn’t set aside enough for retirement. Only 2% of respondents wished they had saved less.

Key regrets include:

• Not saving enough for retirement
• Not delaying Social Security claims for higher benefits
• Not securing a steady income stream, such as through annuities

Another growing concern is retiring with debt. Many older adults now carry mortgage, credit card, and even student loan debt into retirement—some even facing Social Security garnishments. Rising inflation and interest rates have made managing this debt even harder.

Basic advice:

• Pay off as much debt as possible before retiring
• Consider downsizing or relocating to a lower-tax state
• Avoid excessive reliance on credit cards

At PWM, total balance sheet and debt management are central tenets of financial planning. Please contact us if you would like to dive more into how cash flow and investment planning work hand in hand.

The biggest retirement regrets — and how to avoid them
by Robert Powell

Your Life

If you’ve ever struggled with unexplained joint pain, kidney stones, or even burning feet, oxalates could be to blame. This article from the Barr Center explores how these naturally occurring compounds can accumulate in the body and contribute to inflammation, chronic pain, and other health issues. While oxalates are found in many healthy foods, some people may be more sensitive to them. So, which foods are highest in oxalates, and how can you manage your intake?

Find out here:

Oxalate Crystals and Pain
by Lisa Barr, MD

Complexity Simplified

Too much of a good thing can sometimes backfire—especially when it comes to certain health foods! This Healthline article highlights eight nutritious foods that can have unexpected downsides when eaten in excess. From overloading on fiber to consuming too many healthy fats, balance is key to getting the benefits without the drawbacks. Learn which foods to enjoy in moderation to keep your diet both healthy and safe!

8 Health Foods That Are Harmful If You Eat Too Much
by Adda Bjarnadottir, MS, RDN

Trivia