15 Steps for a Better Retirment

Most people have wild and elaborate dreams about what retirement looks like. Planning is an essential part of those dreams, so Ben and Seth took the time to write up 15 essential rules to follow when planning for retirement. This episode will make you feel less intimidated by the mountain you may have to climb when it comes to your future. As always, Brayshaw Financial group is just a phone call or email away.Is it too late to fix my retirement at 50?No — the 50s are the catch-up years by design. Catch-up provisions let you contribute above the standard limits to 401(k)s and IRAs, the HSA offers triple tax advantages for future healthcare costs, and a backdoor Roth can build a tax-free bucket even if your income is too high for direct contributions. Pair those with a segmented "bucket" strategy — instead of retreating to CDs and cash — and most late starts can still be rescued. The first step is knowing your income need, not chasing a number.