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Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. Related Articles Business | The year in money: inflation eased, optimism ticked upward Business | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | How to protect your communications through encryption Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Business | Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases Whether you’ve been saving since your first job or you’re getting a late start, you can leverage expert-recommended strategies to gauge your progress on the road to retirement. And if you’re not quite on track, don’t sweat it — the experts we spoke to offered actionable tips to help you close the gap. You might have a general idea of how much money you need to save for retirement . A few quick calculations can give you an estimate, but to truly appreciate where you stand, you’ll need to dive into the numbers. Here’s how to get started. A good rule of thumb to estimate your retirement savings goal is the Rule of 25 . Simply multiply your desired annual retirement income by 25. The result is roughly how much you’ll need to save before hitting retirement. For example, if you plan to spend $50,000 a year, you’ll need about $1.25 million to make it a reality. The Rule of 25 is based on the idea that withdrawing 4% annually from your retirement savings should last you about 30 years. While it’s not an exact science by any means — health care costs and lifestyle changes can skew the numbers, for example — the Rule of 25 can be a good starting point to figure out how much you need to save. Fidelity Investments, a behemoth in the retirement planning space, offers savings guidelines to help you determine if you’re on track . —By age 30: Save 1x your annual salary —By age 40: Save 3x your annual salary —By age 50: Save 6x your annual salary —By age 60: Save 8x your annual salary —By age 67: Save 10x your annual salary For example, if you earn $60,000 annually, you should aim for $600,000 in savings by age 67. But like the Rule of 25, Fidelity’s guidelines offer a 10,000-foot look at retirement goals, and they’re not customized to your situation. Maybe you earned a low salary in your 20s, but you’re working hard in your 30s to make up for it. Use these estimates as a benchmark — but don’t get discouraged if you’re lagging behind. Now it’s time to zoom in a little. To get a clearer snapshot of your progress, use an online retirement calculator. These tools factor in your age, current savings, income and lifestyle goals to estimate whether you’re on track. You’ll get a more refined estimate without crunching the numbers yourself. Bankrate’s retirement calculator even lets you input different rates of return on your investments and accounts for estimated annual salary increases. Having a general savings goal is nice, but to avoid falling short in retirement, you’ll need more than a ballpark figure. Experts recommend creating a retirement budget to get an up-close-and-personal look at how much you’ll really need once you leave the workforce. First, estimate how much you’ll spend per month in retirement. While some costs will increase, like health care, others will likely decrease, like dining out and commuting. “Estimating expenses can be challenging for some people, so as a starting point, I often use your net take-home pay,” says Jeff DeLarme, a certified financial planner and president of DeLarme Wealth Management. For example, if you receive a direct deposit of $2,500 every two weeks from work, use $5,000 as your estimated monthly spending in retirement. “Assuming this was enough to pay the bills while working, we can use $5,000 a month as a starting budget to plan for,” says DeLarme. Next, map out your sources of income in retirement. Social Security is the largest income stream for most retirees, but don’t neglect other inflows, such as: —Workplace retirement accounts, like 401(k)s —Personal retirement accounts, like a traditional or Roth IRA —Pensions —Annuities —Selling your home or business —Rental income —Inheritance “If there’s a gap between your expected expenses and income, you’ll have a good idea of how much you need to save,” says Mike Hunsberger, a certified financial planner and owner of Next Mission Financial Planning. From there, you can adjust your savings and investment strategy accordingly. For something as important (and complex) as retirement planning, it pays to speak with a professional. Financial advisers can analyze your savings, investments and retirement goals to create a personalized plan. Advisers use special planning software that account for more variables than an online calculator, giving you a much more precise, granular look at your financial life in retirement. Many financial advisers can also help you optimize your tax strategy, which can potentially save you thousands of dollars over time. Make sure the adviser you hire is a fiduciary , meaning they’re legally obligated to prioritize your interests over their own. A fiduciary won’t push investments to earn a commission or recommend products that aren’t aligned with your needs. A certified financial planner is one of the most well-recognized designations for fiduciaries. You can use Bankrate’s adviser matching tool to find a certified financial planner in your area in minutes. Maybe you did the math and realized you’re not quite where you need to be. Don’t panic if you’re behind schedule. Here are five strategies experts recommend to help you catch up on your retirement savings . Cutting expenses now frees up more cash to invest in your retirement accounts. Evaluate your budget and identify areas where you can cut costs, like dining out, streaming subscriptions or shopping. Don’t rule out bigger lifestyle changes either, especially if retirement is rapidly approaching. Housing is the biggest monthly expense for most people. Getting creative here can help amplify the amount you can sock away, says Joseph Boughan, a certified financial planner and managing member at Parkmount Financial Partners. It can also reduce your expenses in retirement, so you may not need to save as much as before. “Downsizing can be a great way to cut expenses,” says Boughan. “This can even free up cash if you don’t end up needing all that money for a new home.” Moving somewhere with lower property taxes or income taxes can also help bring your retirement plan back in line. And if you’re a renter, making tough short-term decisions, like taking on a roommate or moving to a lower cost-of-living area, can free up hundreds of dollars a month for your retirement. “Everyone’s plan is unique, so exploring all the options is important,” Boughan says. Joe Conroy, a certified financial planner and owner of Harford Retirement Planners, recommends taking a “retirement test drive” as you near your target date. “Start to live on what income you think you can afford in retirement and stash all the extra income into savings and investments,” says Conroy. “If you can make it through each month, you’re ready for retirement. If you run short, then adjust your plan accordingly.” Working a little longer can be a game-changer for your retirement nest egg. Not only does it give you more time to save, it also gives your investments room to grow. “Working longer or even just part time for a few years early in retirement is one of the best ways to reduce the amount of money you need to save,” says Hunsberger. Postponing retirement can also boost your Social Security benefits . “You can claim as early as 62, but your benefits will be reduced significantly,” says Hunsberger. Meanwhile, each year you delay claiming Social Security benefits beyond your full retirement age , your monthly check will increase by 8%, though this benefit maxes out at age 70. So waiting can really pay off. It may seem obvious, but if you’re behind on retirement savings, you’ll need to boost your contributions as much as possible. Here are a few ways to make saving for retirement easier: —Increase your contribution rate: Allocate a larger portion of your paycheck to a workplace retirement plan. Even bumping up your contributions by 1% or 2% can make a huge difference down the road. —Take advantage of your employer match: Don’t leave free money on the table. Many employers will chip in between 3 and 5% depending on your plan, so make sure you’re contributing enough to take advantage of the benefit. —Use “unexpected” money to catch up: If you get a raise or bonus at work, funnel part of it directly into your 401(k). And if you get a refund at tax time, siphon some of it off to beef up your IRA. If you’ve been investing in low-risk, low-return investments, you may not be keeping up with inflation, let alone growing your nest egg. Reallocating part of your portfolio to stocks or low-cost growth exchange-traded funds (ETFs) is one way to get your money working harder. Higher-risk investments like stocks carry more volatility but also offer higher potential returns. Work with a financial adviser or use a robo-adviser to strike the right balance between growth and your personal risk tolerance. Contribution limits for 401(k) plans and IRAs are higher for people over 50. For 2025, employees aged 50 and up who participate in most 401(k) plans or the federal government’s Thrift Savings Plan can save up to $31,000 annually, including a $7,500 catch-up contribution . But thanks to SECURE 2.0 , a sweeping retirement law, a new higher catch-up contribution limit of $11,250 applies for employees ages 60 to 63. So, if you’re in this age group, you can squirrel away a whopping $34,750 a year during the final stretch of your career. Of course, you’ll need a big salary (think six figures) in order to take full advantage of such massive contribution limits. But if you can afford it, these catch-up allowances can put your plan back on track, especially if you struggled to save much early in your career. There’s no GPS to gauge your progress on the road to retirement. If you’ve veered off course or aren’t sure where to start, begin by getting a quick estimate of how much you’ll need before mapping out a retirement budget. And if you’re behind, don’t panic — adjusting your spending, boosting your contributions and speaking with a financial adviser can help you catch up. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.FORT WORTH, Texas (AP) — Josh Hoover threw for 252 yards and a touchdown and JP Richardson had 149 all-purpose yards and a 38-yard touchdown reception to lead TCU over Arizona 49-28 on Saturday. On the first play from scrimmage, Wildcats quarterback Noah Fifita was intercepted by Bud Clark. TCU scored five plays later on Trent Battle’s 4-yard run. The Horned Frogs scored touchdowns on five straight drives, going at least 75 yards on nine or more plays on three of the possessions. TCU (7-4, 5-3 Big 12) drove 75 yards in 12 plays in the final 1:55 of the first half to take a 21-13 lead on Savion Williams’ 20-yard run. Hoover completed five passes on the drive, including gains of 24, 19, and 24 yards to set up Williams’ score with 20 seconds left in the half. The Horned Frogs took the second-half kickoff and drove 76 yards in nine plays to build a 28-13 lead on Battle’s 1-yard run. Richardson’s 33-yard punt return to the Arizona 34 set up a third touchdown in three possessions. He caught a short pass over the middle from Hoover and raced untouched 38 yards for the score and a 35-13 lead. Richardson led TCU with six catches for 107 yards. Four TCU running backs scored a touchdown, including Williams, who rushed for 80 yards and two scores. Battle also rushed for 28 yards and two scores. Fifita was 29 of 44 for 284 yards with two touchdowns and an interception for Arizona (4-7, 2-6). Tetairoa McMillan made nine catches for 115 yards. Arizona defensive lineman Sterling Lane II picked up a fumble from TCU backup quarterback Ken Seals with just over a minute left in the game and ran it 70 yards for a touchdown to cap the scoring. Clark leads the Horned Frogs with three interceptions, including one in each of the past two games. He is tied for fifth-most in the Big 12. Arizona: The Wildcats, who started the season in the AP Top 25 poll, will not be bowl eligible this season with a game remaining under first-year coach Brent Brennan. A year ago under coach Jedd Fisch, who is now at Washington, Arizona advanced to the Alamo Bowl for the first time since 2017. TCU: The Horned Frogs, who became bowl eligible two weeks ago, won their third consecutive game at Amon Carter Stadium after losing two in a row to UCF and Houston. TCU has won four of its past five, the only blemish a 37-34 last-second loss at Baylor. TCU: At Cincinnati on Saturday. Arizona: Hosts Arizona State on Saturday. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here. AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-footballWithout a doubt, Charlotte Flair is one of the most talented and iconic female wrestlers in history. A record-breaking 14-time World Champion, Flair has established herself as one of the most dominant and respected women in the industry. More WWE: WWE Network Shutting Down for Good Unfortunately, Flair has been missing from WWE television since Dec 8, 2023, due to suffering a torn ACL, MCL, and meniscus in a match against Asuka. It was soon announced that Flair would be out for approximately nine months for recovery. Now, over 11 months later, it looks like her return is imminent. Flair recently took to social media and posted a mysterious video of a diamond breaking out of a block of ice. It was paired with a caption of three diamond emojis. Given that Flair is also known as the Queen of Diamonds, it's clear that she is indicating she is no longer on ice and will be making her return in the near future. 💎💎💎 pic.twitter.com/YDFcc8tPA5 The question becomes how exactly Flair will make her triumphant return. Looking at the events of the most recent episode of Friday Night SmackDown, there is a spot for her. During the triple threat match to determine who moves on in the WWE Women's United States Championship tournament, footage was shown of WWE Women's Tag Team Champion Jade Cargill thrown through the windshield of a car. This prompted Bianca Belair to leave the match and have Chelsea Green pick up the win over Blair Davenport. WWE later announced that Cargill was out with multiple injuries and would be unable to participate in her tournament match, meaning there was a vacant spot in next week's match featuring Piper Niven and Michin. This would be a very easy way to insert Flair back into WWE. That being said, she has more than established herself as a main event player, so she probably doesn't need the Women's US title to cement her legacy. More WWE: WWE Teases Return of Former World Champion Additionally, this likely leaves Cargill's spot in the Women's War Games match at Survivor Series open. Given Flair's star status, it would be more impactful for her to make a surprise return at the premium live event. No matter when she comes back, Flair's return is an overall positive for WWE. Not only does she bring incredible in-ring technical skills, but she also has the ability to help elevate other wrestlers to true superstar status. In the end, it's exciting to know that the Queen of Diamonds can finally return to her court. More WWE: WWE Top-Selling Superstars Includes Three Surprising Names For more WWE and professional wrestling news, head on over to Newsweek Sports .
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Subscribe to our newsletter Privacy Policy Success! Your account was created and you’re signed in. Please visit My Account to verify and manage your account. An account was already registered with this email. Please check your inbox for an authentication link. Support Independent Arts Journalism As an independent publication, we rely on readers like you to fund our journalism. If you value our coverage and want to support more of it, consider becoming a member today . Already a member? Sign in here. We rely on readers like you to fund our journalism. If you value our coverage and want to support more of it, please join us as a member . The holidays are busy, but everyone needs a break, and what better way to replenish your mind and soul than to see some art? Below are a few shows to catch when you can slip away from all the chaos and take a moment, or more, to revel in the gifts of art. Whether it’s the subtle humor of Thomas Schütte, the embodied emotion of Ralph Lemon, the aesthetic splendor of Alexandra Exter, or anything else on our list, you’ll be glad you made the time. — Natalie Haddad, Reviews Editor Deshaun Price 15 Orient , 72 Walker Street, 3rd floor, Tribeca, Manhattan Through January 4, 2025 Get the latest art news, reviews and opinions from Hyperallergic. Daily Weekly Opportunities Deshaun Price’s pensive portraits of people and landscapes breathe gently in the gorgeous new Tribeca location of 15 Orient, previously an apartment gallery in Brooklyn. Both the gallery space and the art on the walls seem unfinished, but that’s exactly what makes the show so complete. Half there and not there, Price’s figures beckon us into their world, where closeness and distance, solitude and togetherness, are constantly negotiated. They may leave you with necessary, new questions about your place in the world. — Hakim Bishara Thomas Schütte Museum of Modern Art , 11 West 53rd Street, Midtown, Manhattan Through January 18, 2025 Schütte’s sculptures are often infused with a dry humor that helps humanize forms that sometimes feel staid or academic, and that collision of sensibilities makes the results endearing. For instance, his curious Melonely series from 1986 combines the terms “melon” and “lonely,” while evoking the term melancholy as well. He’s turned watermelon wedges into strange shapes that suggest a type of meaning that eludes us as viewers, even if, at times, we sense that we are on the verge of understanding it. A large retrospective with many threads for the viewer to pull on. — Hrag Vartanian Alexandra Exter: The Stage Is a World The Ukrainian Museum , 222 East 6th Street, East Village, Manhattan Through January 19, 2025 If you’ve never heard of Alexandra Exter, you can add her to the list of under-appreciated women artists. Fortunately, the Ukrainian Museum has. The Stage Is a World includes over 30 works by the multi-talented artist, a figure in avant-garde European art circles in the early 20th century who alternated between painting, drawing, filmmaking, traditional crafts, theater design, and fashion with ease. Weaving together different artistic styles and eras, Exter conjured a striking aesthetic world that employed color and pattern as formal and affective elements. A series of costume designs rendered in a Constructivist style coax out the drama of the movement. Paintings like the spectacular “Masked Figures by the Banks of a Venetian Canal” and “Carnival Procession” (both c. 1927–29) draw on Cubism and Futurism for their architectural backdrops, while harlequins and masked figures in the foreground create an uncanny atmosphere, like two worlds colliding. A film in its own spacious screening room, accompanied by a mannequin in one of Exter’s designs, brings her visual imagination to life. — NH Vital Signs: Artists and the Body Museum of Modern Art , 11 West 53rd Street, Midtown, Manhattan Through February 22, 2025 I placed this exhibition on my best of the year because it refuses to be carnivalesque in its display — which can happen easily when dealing with the human body — and instead offers a more cerebral take on corporeal realities. From Rosemary Mayer’s ethereal “Galla Placidia” (1973), which celebrates a marginalized fifth-century Roman empress, to Ted Joans’s 132-artist-long exquisite corpse that sits in the center of one of the main galleries, and includes contributions by Ishmael Reed, Ray Johnson, Dorothea Tanning, Barbara Chase-Riboud, and so many others, the works challenge us not only to think about the human body, but also how we connect — or don’t — to one another. — HV Ceremonies Out of the Air: Ralph Lemon MoMA PS1 , 22–25 Jackson Avenue, Long Island City, Queens Through March 24, 2025 The well-known choreographer has been delving increasingly into contemporary art and this large celebration of his mostly visual and performance art career includes not only an impressive four-channel video and sound installation he staged with artist Kevin Beasley, but a wide range of dense drawings and meme-y sculptures, and a series of special musical and dance performances that seem to excavate the emotions storied in our bodies. “Tell it anyway” was the first of a six-performance series and it was a thrilling experiment in visual and auditory narration that dragged the audience into Lemon’s mind. There’s a lot to see and experience here, so take your time and fully immerse yourself in this celebration of movement and form by someone who clearly has an itch to innovate. — HV Above Ground: Art from the Martin Wong Graffiti Collection Museum of the City of New York , 1220 Fifth Avenue, East Harlem, Manhattan Through August 10, 2025 It is a real pleasure to see the collection of Martin Wong, who was not only a very accomplished contemporary artist but also a pioneer in collecting graffiti from the makers themselves. This is a rare window into a genre that continues to excite audiences of all types with its raw and playful energy. Unlike other collectors in the field, Wong amassed these works with a true artist’s eye, and the results are less decorative and more aesthetically challenging than other graffiti collections from the era. Rammellzee, Lee Quiñones, Lady Pink, Futura 2000, and many others are represented, among additional examples from a movement that changed the world. — HV We hope you enjoyed this article! Before you keep reading, please consider supporting Hyperallergic ’s journalism during a time when independent, critical reporting is increasingly scarce. Unlike many in the art world, we are not beholden to large corporations or billionaires. Our journalism is funded by readers like you , ensuring integrity and independence in our coverage. We strive to offer trustworthy perspectives on everything from art history to contemporary art. We spotlight artist-led social movements, uncover overlooked stories, and challenge established norms to make art more inclusive and accessible. With your support, we can continue to provide global coverage without the elitism often found in art journalism. If you can, please join us as a member today . Millions rely on Hyperallergic for free, reliable information. By becoming a member, you help keep our journalism free, independent, and accessible to all. Thank you for reading. Share Copied to clipboard Mail Bluesky Threads LinkedIn FacebookPINE BLUFF, Ark. (AP) — Quintell Quinn ran for 154 yards and two touchdowns to lead Texas Southern to a 31-23 victory over Arkansas-Pine Bluff on Saturday. Quinn scored on a 32-yard run to open the scoring midway through the first quarter, and his 75-yard touchdown run gave Texas Southern a 17-13 lead with 6:59 remaining in the third. A little more than three minutes later, Jace Wilson threw a 21-yard touchdown pass to Trenton Leary that stretched the Tigers' lead to 24-13. Athean Renfro added 55 yards rushing with a 1-yard TD run in the fourth quarter for Texas Southern (5-6, 4-4 Southwestern Athletic Conference). DJ Stevenson threw a touchdown pass and an interception for Arkansas-Pine Bluff (3-8, 2-6). Abdulbasit Osholake had an 80-yard pick-6 that tied it 7-all late in the second quarter for the Lions. ___ Get alerts on the latest AP Top 25 poll throughout the season. Sign up here ___ AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football