financial planning Archives - Budget and the Bees

10 Costly Habits That Are Wrecking Your Retirement Without You Noticing

You check your 401(k) occasionally. You think you are on track. However, subtle leaks are likely sinking your ship. Small, daily choices compound over decades. They silently eat away your golden years. We aren’t talking about obvious luxury vacations. These are the invisible enemies of wealth. Unfortunately, most people don’t see them until age 65. […]

10 Costly Habits That Are Wrecking Your Retirement Without You Noticing Read More »

This Is How Much You Need in Savings to Survive a 6-Month Job Loss

Money / Leave a Comment

Losing a job is one of life’s most stressful events. The financial panic can be just as painful as the professional rejection. This is where an emergency fund comes in. It is not just “extra” money; rather, it is a buffer between you and disaster. It buys you time. More importantly, it gives you the

This Is How Much You Need in Savings to Survive a 6-Month Job Loss Read More »

Can You Really Retire on 0,000? Here’s the Hard Math

Can You Really Retire on $550,000? Here’s the Hard Math

Money / Leave a Comment

You’ve worked hard and saved diligently. Now, your retirement account is hovering around $550,000. It feels like a huge accomplishment. And it is! But the big question remains. Is it enough to actually stop working? The answer isn’t a simple yes or no. Instead, it’s a “maybe” that depends entirely on math, location, and lifestyle.

Can You Really Retire on $550,000? Here’s the Hard Math Read More »

6 Money Myths That Women Pass Down Generations

Money / Leave a Comment

We learn about money from our families. For women, this inheritance is often complicated. Our mothers and grandmothers passed down “wisdom” meant to protect us. However, many of these lessons were born in an era when women had far less power. Consequently, these myths are now holding us back from building real wealth. 1. The

6 Money Myths That Women Pass Down Generations Read More »

How to Appeal a Medicare Denial (And Win): A Step-by-Step Guide

Lifestyle / Leave a Comment

You open the mail, and your stomach drops. The Medicare Summary Notice shows a service or item as “Denied.” It’s infuriating and, additionally, very scary. Many people simply give up and pay the bill. However, a denial is *not* the end of the road. You have the right to appeal, and a surprising number of

How to Appeal a Medicare Denial (And Win): A Step-by-Step Guide Read More »

Still Clocking In: Why So Many Seniors Can’t Afford to Retire

Money / Leave a Comment

We all hold a certain image of retirement. This vision involves golf courses, beach vacations, and time with grandchildren. Ideally, it is supposed to be the “golden years.” Yet, for a growing number of older Americans, this dream is collapsing. In fact, you see them everywhere. They might be bagging your groceries, driving for Uber,

Still Clocking In: Why So Many Seniors Can’t Afford to Retire Read More »

Before You Sign Anything — 6 Money Deals Every Woman Needs to Double-Check

Money / Leave a Comment

We are often encouraged to be trusting, collaborative, and agreeable, especially in relationships and business. But when it comes to money, “trust” is not a financial plan. A signature on the wrong document can unravel years of hard work. Consequently, it can threaten your security and your independence. Too many women have found themselves in

Before You Sign Anything — 6 Money Deals Every Woman Needs to Double-Check Read More »

11 Financial Secrets Couples Should Share Before Kids

Money / Leave a Comment

Starting a family is exciting, but it brings new challenges—especially with money. Many couples avoid talking about finances until they have kids, but waiting can lead to stress and surprises. Sharing financial secrets before kids arrive helps you set clear expectations and build trust. You’ll be better prepared for the costs, from diapers to daycare.

11 Financial Secrets Couples Should Share Before Kids Read More »

8 Savings Strategies Women Should Adopt Immediately

Money / Leave a Comment

Financial security feels more complicated than ever. For example, inflation is high. Goals also feel distant. For women, who often face a pay gap and career interruptions, building a strong financial foundation is not optional; in fact, it is essential. Waiting for “later” is not a plan. The good news, however, is that small, smart

8 Savings Strategies Women Should Adopt Immediately Read More »

What Is A “Gray Prenup”? Why People Over 50 Are Making Them A Non-Negotiable

Relationships / Leave a Comment

The rate of “gray divorce,” or divorce after 50, has doubled in the last 20 years. Love later in life is wonderful. However, it is also financially complicated. People over 50 are entering new marriages with significant assets. For example, they have retirement funds, family homes, and adult children. For this reason, the “gray prenup”

What Is A “Gray Prenup”? Why People Over 50 Are Making Them A Non-Negotiable Read More »