Blogs
5 Signs That You May Not Be Ready to Retire Just Yet
As you head towards retirement, you’ve likely been saving diligently in your 401(k) and IRAs, and you may start to wonder when you can actually retire.
At REAP Financial, we conduct many analyses with our advisers to show people when they can comfortably retire. In many cases, we find people could have retired sooner than they thought!
In this article, we’ll go over five signs that you may not be quite ready to retire. Read all the way to the end to learn about the most overlooked point of building towards true success in retirement!
How to Build Your Best 2025 Budget Step-By-Step
At REAP Financial, we have successfully guided families in Central Texas and across the United States through retirement for 16 years. When you’re preparing for retirement, there are metrics that obviously matter, such as your rate of return on investments, inflation, Social Security claiming strategy, and more. However, the most important number for a successful retirement is your budget.
When you’re working, you don’t have to worry about keeping a strict budget, but when you retire, it is very important to know your boundaries. Your budget provides the framework for what you can spend, since there’s only so much money at the end of the day.
Tax-Efficient Year-End Giving Strategies
For most Americans, as we approach the end of the year, many people look for ways to save on taxes. This is where year-end gifting strategies come into play. You may give charitably to causes and organizations you believe in, or to your children or others. In this article, we’ll cover some smart ways to execute your year-end gifts that could save you on taxes, including potential income tax, capital gains tax, and charitable deductions.