Why You Should Stop Planning Your Retirement Like It’s Still 1995

For years, retirement planning followed a simple, almost comforting formula: work hard, save a steady portion of your income, retire at 65, and live comfortably on your nest egg, pension, and Social Security benefits for 20 or so years.

That formula worked beautifully — for another generation.

Today, though, the landscape has changed. People live longer, work differently, invest differently, and think differently about what retirement even means. Yet many Americans still rely on outdated assumptions that don’t fit the world we live in anymore.

It’s time to rethink retirement — not as a finish line, but as a new phase of life filled with possibilities, purpose, and flexibility.