Hey friend,
Retirement planning is probably the #1 reason people seek out a financial planner.
And honestly? We get it.
Because to know exactly how much you need for retirement, you’d have to know:
What you’ll spend every year
What the stock market will do
And exactly how long you’ll live
So every retirement plan is really an educated guess.
Thats why in Part 3 of our DIY Financial Plan series, we break down how to make a better educated guess without spiraling into panic.
This episode covers:
📈 How much you may need to retire
💰 Where to save for retirement
🧾 Roth vs Traditional accounts
🧠 When DIY investing makes sense, and when it might be time to call a CFP
News. Without Motives. That’s 1440
Every day, the 1440 team of editors hand-selects and summarizes the most important stories from over 100 trusted sources.
The result? A 5-minute newsletter that’s fast, factual, and refreshingly human.
No bots. No bias. Just clear, comprehensive news on politics, business, and culture trusted by over 4 million readers and always free.
We also put together a Free DIY Financial Planning Spreadsheet to help you organize your goals, retirement accounts, and savings priorities all in one place. It even includes a retirement saving calculator that tells you how much you need to save for retirement.
We also talk about the value of simplifying your retirement accounts. If you have an old retirement account floating around from a previous job, don’t forget about it. Capitalize can help you roll old 401(k)s into an IRA you control without the usual headache, completely free.
We’re big believers that most people can learn to manage retirement investing themselves, especially if:
You’re 30+ years from retirement
Under $100,000 in retirement savings
But there are times professional guidance really matters, especially if:
You’re within 10–15 years of retirement
Making Social Security decisions
Maxing out retirement accounts
Caring for aging parents
Trying to optimize complex tax strategies
If you know you want someone relatable and reliable who can help you build a values-based financial plan, head here, and we’ll point you in the right direction.
Jen & Jill 💛
**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.
