--- title: Heyday Retirement Blog description: The Heyday Retirement Blog is your source for news and insights on how to make retirement the reward it was always meant to be. Subscribe and never miss an informative article. --- [![Heyday Retirement](https://www.heydayretirement.com/hubfs/Feb-2018/Header-footer/heyday-logo.svg "Heyday Retirement")](https://www.heydayretirement.com) - Why Heyday? - [Features](https://www.heydayretirement.com/features) - [Clients](https://www.heydayretirement.com/featured-clients) - [Security](https://www.heydayretirement.com/security) - Solutions For Retirees - [Concern About Volatile Markets](https://www.heydayretirement.com/volatile-markets) - [Getting Income Now with Security](https://www.heydayretirement.com/income-and-security) - [Planning for Surviving Spouse](https://www.heydayretirement.com/surviving-spouse) - [Plan How Much You Can Safely Spend](https://www.heydayretirement.com/safe-spending) - [Create Annuity Income](https://www.heydayretirement.com/annuity-income) - [Decide When You Can Retire](https://www.heydayretirement.com/retire-now-or-wait) - Resources - [Free Guidebooks](https://www.heydayretirement.com/retirement-guides) - [Free Videos](https://www.heydayretirement.com/online-retirement-workshops) - [Retirement Magazine](https://www.heydayretirement.com/heyday-blogs) - [Heyday Contributors](https://www.heydayretirement.com/about-our-contributors) - [Pricing](https://www.heydayretirement.com/pricing) - [The Heyday Approach](https://www.heydayretirement.com/the-heyday-retirement-income-strategy) - [About Us](https://www.heydayretirement.com/about-us) - [Contact](https://www.heydayretirement.com/contact-us) - [Sign In](https://app.heydayretirement.com) - [Book Your Appointment](https://www.heydayretirement.com/schedule-your-intro-meeting) # News & Articles ##### The Heyday blog is your source for news and insights to help you live your ideal retirement. Subscribe to stay in the know on a wide range of retirement topics. ### Posts by Tag - [Articles & news (6)](https://www.heydayretirement.com/heyday-blogs/tag/articles-news) - [Retirement income planning (44)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-income-planning) - [Retirement living (19)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-living) - [Retirement strategy (40)](https://www.heydayretirement.com/heyday-blogs/tag/retirement-strategy) #### [Retirement Risk #20: Heirs — Balancing Legacy & Retirement Spending](https://www.heydayretirement.com/heyday-blogs/retirement-risk-20-heirs) ##### Leaving a Legacy vs. Enjoying Retirement: It Doesn’t Have to be One or the Other There’s nothing wrong with wanting to leave money to those you care... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-20-heirs) #### [Retirement Risk #19: Home Healthcare — An Essential Piece of Aging in Place](https://www.heydayretirement.com/heyday-blogs/retirement-risk-19-home-health-care) ##### What Retirees Could Expect in Home Health Costs According to [AARP, 90% of adults 65 or older want to stay put in retirement](https://www.aarp.org/livable-communities/about/info-2018/aarp-livable-communities-preparing-for-an-aging-nation.html), choosing their homes... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-19-home-health-care) #### [Retirement Risk #18: Long-Term Care — One Risk Many Retirees Worry About](https://www.heydayretirement.com/heyday-blogs/retirement-risk-18-long-term-care) ##### Addressing the Elephant in the Room Long-term care often comes with a hefty price tag — one retirees may struggle to plan and pay for. [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-18-long-term-care) #### [Retirement Risk #17: Aging at Home — The Potential Costs of Staying Put](https://www.heydayretirement.com/heyday-blogs/retirement-risk-17-aging-at-home) ### Challenges & Opportunities for Retirees Who Want to Stay in Their Homes Aging in place is something many retirees want, but does it make sense from a... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-17-aging-at-home) #### [Retirement Risk #16: Loss of a Spouse — How to Help Plan for the Unimaginable](https://www.heydayretirement.com/heyday-blogs/retirement-risk-16-loss-of-a-spouse) ##### Losing a Spouse in Retirement Can Have Financial Impacts, Too No one wants to think about what would happen if a spouse passes away. However, in... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-16-loss-of-a-spouse) #### [Retirement Risk #15: Home Maintenance & Repairs — Plan for Hefty Costs](https://www.heydayretirement.com/heyday-blogs/retirement-risk-15-home-maintenance-and-repairs) ##### Even Mortgage-Free Homes Can Cost Retirees Bigtime Retirees may underestimate how much home maintenance could cost throughout retirement. Even... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-15-home-maintenance-and-repairs) #### [Retirement Risk #14: Dental Care — Costs Could Deplete Retirees’ Nest Eggs](https://www.heydayretirement.com/heyday-blogs/retirement-risk-14-dental-care) ##### Surprising Costs of Aging Teeth  According to healthcare cost software provider [HealthView Services, a healthy 65-year-old couple retiring in 2019...](https://www.cnbc.com/2019/07/18/retiring-this-year-how-much-youll-need-for-health-care-costs.html) [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-14-dental-care) #### [Retirement Risk #13: Uncovered Prescription Costs — They Can Really Add Up In ...](https://www.heydayretirement.com/heyday-blogs/retirement-risk-13-uncovered-prescription-costs) ##### Retirees May Be Surprised to See Their Monthly Drug Expenses  There’s a common misperception that all you retirees need is the basic level of... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-13-uncovered-prescription-costs) #### [Retirement Risk #12: Health Care Costs After Age 65](https://www.heydayretirement.com/heyday-blogs/retirement-risk-12-health-care-costs-after-age-65) ##### For Retirees, Health Expenses Can Really Add Up Some of the biggest unknowns in retirement can be how much medical care we may need and how much it... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-12-health-care-costs-after-age-65) #### [Retirement Risk #11: Health Care Costs Up to Age 65 — An Issue for Early ...](https://www.heydayretirement.com/heyday-blogs/retirement-risk-11-health-care-costs-up-to-age-65) ##### Health Care Costs Don’t Have to Dictate Your Retirement Timeline For most, paying high premiums for health insurance isn’t part of the retirement... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-11-health-care-costs-up-to-age-65) #### [Retirement Risk #10: Caring for Aging Parents — A Costly Challenge](https://www.heydayretirement.com/heyday-blogs/retirement-risk-10-caring-for-aging-parents) ##### Elder Care for Your Elders: Addressing Something Many Retirees Don’t Think About   The longer we live, the more money we need in retirement.  [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-10-caring-for-aging-parents) #### [Retirement Risk #9: Helping Kids and Grandkids](https://www.heydayretirement.com/heyday-blogs/retirement-risk-9-helping-kids-and-grandkids) ##### How Retirees Can Help Prepare for Family Emergencies We retire from careers, not being parents or grandparents. So, how can retirees help provide a... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-9-helping-kids-and-grandkids) #### [Retirement Risk #8: Emergency Fund for Unknown Expenses](https://www.heydayretirement.com/heyday-blogs/retirement-risk-8-emergency-fund-for-unknown-expenses) ##### How Old Money Habits Can Serve Retirees Well How should retirees pay for emergencies? While retirement nest eggs are technically savings accounts, a... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-8-emergency-fund-for-unknown-expenses) #### [Retirement Risk #7: Rising Expenses (Inflation) — Powerful Enough to Erode ...](https://www.heydayretirement.com/heyday-blogs/retirement-risk-7-rising-expenses-inflation) **Why Even Small Inflation Rates Deserve Retirees’ Attention** These uncertain and unprecedented times we’re currently in leave many question marks... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-7-rising-expenses-inflation) #### [Retirement Risk #6: Running Out of Money — A Real Fear That Can Derail ...](https://www.heydayretirement.com/heyday-blogs/retirement-risk-6-running-out-of-money) ##### Making Our Savings Last Can Be Challenging Running out of money has been a top concern for retirees for several years. Now, thanks to these... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-6-running-out-of-money) #### [Retirement Risk #5: Economic Uncertainty — Don’t Let it Upend Retirement](https://www.heydayretirement.com/heyday-blogs/retirement-risk-5-economic-uncertainty) ##### The Unknowns in Retirement Can Stump Even the Most Prepared Retirees The ups and downs of our economy can be challenging for everyone, especially... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-5-economic-uncertainty) #### [Retirement Risk #4: Canceled Plans — Addressing a Subtle Risk](https://www.heydayretirement.com/heyday-blogs/retirement-risk-4-canceled-plans) The transition to retirement can be tricky for many, as spending discretionary income we can’t make back seems risky. How can retirees spend on the... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-4-canceled-plans) #### [Retirement Risk #3: Early Retirement Income Shortfall — Some May Face a Gap](https://www.heydayretirement.com/heyday-blogs/retirement-risk-3-early-retirement-income-shortfall) ##### Navigating a Potential Roadblock to Early Retirement Being mentally and financially ready for retirement are two separate things. And some of the... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-3-early-retirement-income-shortfall) #### [Retirement Risk #2: Salary Dependence — When Spouses Stagger Timelines, Trouble ...](https://www.heydayretirement.com/heyday-blogs/retirement-risk-2-salary-dependence) ## Marriage May Be Less Blissful When Only One Retires It’s not uncommon for one spouse to retire before the other does. However, this situation could... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-2-salary-dependence) #### [Retirement Risk #1: Loss of Income — A Common Roadblock for Retirees](https://www.heydayretirement.com/heyday-blogs/retirement-risk-1-loss-of-income) ##### *How Not Planning for This Reality Can Complicate Retirement* The transition into retirement can shake the most well-prepared retirees. And coming face... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-risk-1-loss-of-income) #### [New Year, New Retirement Withdrawal Strategy?](https://www.heydayretirement.com/heyday-blogs/new-year-new-retirement-withdrawal-strategy) For retirees who are already receiving income from their 401(k) or other accounts, the new year is a great time to evaluate how their distributions... [Read More](https://www.heydayretirement.com/heyday-blogs/new-year-new-retirement-withdrawal-strategy) #### [Ring in 2020 with These 4 Retirement Tips](https://www.heydayretirement.com/heyday-blogs/ring-in-2020-with-these-retirement-tips) As 2019 comes to a close, we wanted to leave you with some of our favorite retirement insights from Heyday Contributors on a range of topics. [Read More](https://www.heydayretirement.com/heyday-blogs/ring-in-2020-with-these-retirement-tips) #### [Retirement Planning: Have You Saved Enough?](https://www.heydayretirement.com/heyday-blogs/retirement-planning-have-you-saved-enough) Can you say that about your retirement plan? Whether longevity runs in your family or not, planning for a long life in retirement may be a good idea,... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-planning-have-you-saved-enough) #### [How to Create a Personal Retirement Income Plan](https://www.heydayretirement.com/heyday-blogs/how-to-create-a-personal-retirement-income-plan) It may seem complicated and a little overwhelming to create a personal retirement income plan that includes everything you want to plan for in your... [Read More](https://www.heydayretirement.com/heyday-blogs/how-to-create-a-personal-retirement-income-plan) #### [7 Ways Retirement 'Paychecks' Empower Retirees](https://www.heydayretirement.com/heyday-blogs/7-ways-retirement-paychecks-empower-retirees) There’s a lot of information out there about the many benefits of guaranteed retirement income, which [include](http://greenwaldresearch.com/wp-content/uploads/2018/03/2018-GLIS-Factsheet.pdf):1  [Read More](https://www.heydayretirement.com/heyday-blogs/7-ways-retirement-paychecks-empower-retirees) #### [Income & Retirement: Should You Go Back to Work? \[Seminar Recap\]](https://www.heydayretirement.com/heyday-blogs/income-retirement-should-you-go-back-to-work-seminar-recap) The Heyday team recently held an educational [Heyday Live event](https://www.heydayretirement.com/heyday-live) for retirees titled, **Income & Retirement Should You Go Back to Work?** [Read More](https://www.heydayretirement.com/heyday-blogs/income-retirement-should-you-go-back-to-work-seminar-recap) #### [The Best 3 RV Trips to Take in Retirement](https://www.heydayretirement.com/heyday-blogs/rv-trips-in-retirement) Finally in retirement you have all the time in the world, to go wherever you want. Now, traveling is probably the first thing you want to plan. [Read More](https://www.heydayretirement.com/heyday-blogs/rv-trips-in-retirement) #### [Should Retirees Expect More From Their Retirement Plans?](https://www.heydayretirement.com/heyday-blogs/retirees-expect-more-from-plan) Heyday’s Forbes article, “[Should Retirees Expect More From Their Retirement Plans?](https://www.forbes.com/sites/forbesfinancecouncil/2019/03/21/should-retirees-expect-more-from-their-retirement-plans)” encourages those nearing or newly retired to think about whether... [Read More](https://www.heydayretirement.com/heyday-blogs/retirees-expect-more-from-plan) #### [How to Give Your Retirement Plan a Confidence Boost](https://www.heydayretirement.com/heyday-blogs/give-retirement-plan-a-boost) Retirement plans look different for everyone. But the tips we share in our latest article published in [Forbes Finance](https://www.forbes.com/sites/forbesfinancecouncil/2019/02/27/three-ways-retirees-can-set-themselves-up-for-success) can benefit most retirees, no... [Read More](https://www.heydayretirement.com/heyday-blogs/give-retirement-plan-a-boost) #### [Retirement Readiness Questions that Have Little to do with Money](https://www.heydayretirement.com/heyday-blogs/retirement-ready-questions) For many, retirement feels like a double-edged sword. On one hand, it can be what we’ve worked toward for so many years — a well-deserved break for a... [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-ready-questions) #### [5 Key Retirement Risks: 1 Move to Help Address Them All](https://www.heydayretirement.com/heyday-blogs/help-address-risks) Whether we like to think about it or not, retirement can leave us exposed to a range of financial risks.  [Read More](https://www.heydayretirement.com/heyday-blogs/help-address-risks) #### [What Happens to Retirees When One Spouse Passes Away?](https://www.heydayretirement.com/heyday-blogs/retirement-without-spouse) No one likes to think about what would happen to our financial future if our spouse passes away in retirement. [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-without-spouse) #### [Don't Worry, Retire Happy! 6 Steps to Help Make it Happen](https://www.heydayretirement.com/heyday-blogs/dont-worry-retire-happy) When it comes to retirement — or any future event — we may not have as much control over what will happen as we’d like, if any at all. [Read More](https://www.heydayretirement.com/heyday-blogs/dont-worry-retire-happy) #### [3 Surprising Facts About Inflation That Could Impact Retirement](https://www.heydayretirement.com/heyday-blogs/surprising-facts-on-inflation) As you’re probably aware, inflation is defined as the rising costs of goods and services. There are several factors that go into this seemingly... [Read More](https://www.heydayretirement.com/heyday-blogs/surprising-facts-on-inflation) #### [Retirement Readiness: How Do You Stack Up? \[Infographic\]](https://www.heydayretirement.com/heyday-blogs/retirement-readiness-infographic) A recent survey on retirement readiness yielded some pretty interesting facts and attitudes about retirement around the globe.  [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-readiness-infographic) #### [A Tool to Help Retirees Make Retirement Their Heyday](https://www.heydayretirement.com/heyday-blogs/planning-tool-helps-retirees) At Heyday, we believe that retirement should be the reward you always hoped it would be. And with nearly two decades of experience in working with... [Read More](https://www.heydayretirement.com/heyday-blogs/planning-tool-helps-retirees) #### [6 Things to Look for in a Retirement Income Plan](https://www.heydayretirement.com/heyday-blogs/look-for-this-in-an-income-plan) While most retirees may receive some level of income in retirement from Social Security, it will most likely not be enough to cover all of their... [Read More](https://www.heydayretirement.com/heyday-blogs/look-for-this-in-an-income-plan) #### [The Final Step in Retirement Planning May Not Be Saving](https://www.heydayretirement.com/heyday-blogs/retirement-planning-final-step) For those nearing retirement, saving as much as possible is essential. But there is one additional step that can be quite beneficial for retirees. [Read More](https://www.heydayretirement.com/heyday-blogs/retirement-planning-final-step) #### [Why Success in Retirement Isn't All About Assets (and What it is About)](https://www.heydayretirement.com/heyday-blogs/what-is-success-in-retirement) Most of us, and rightly so, view retirement as the ultimate reward for a lifetime of hard work. There are so many things to look forward to — from... [Read More](https://www.heydayretirement.com/heyday-blogs/what-is-success-in-retirement) #### [How to Determine How Long Your Portfolio Could Last in Retirement](https://www.heydayretirement.com/heyday-blogs/portfolio-longevity-in-retirement) There are many unknowns retirees could face in retirement. [Read More](https://www.heydayretirement.com/heyday-blogs/portfolio-longevity-in-retirement) ### Want to stay in the loop? ##### Complete the form below and weʼll make sure you never miss a new Heyday guidebook or workshop. #### See our articles in [![](https://www.heydayretirement.com/hubfs/Feb-2018/Home-Page/articles-01.png)](https://www.marketwatch.com/story/retired-women-face-unique-financial-issues-2013-08-28) [![](https://www.heydayretirement.com/hubfs/Feb-2018/Home-Page/articles-02.png)](https://www.forbes.com/sites/forbesfinancecouncil/2017/11/21/a-solution-for-the-top-concern-in-retirement-planning-running-out-of-money/#5c428625a7bb) [![](https://www.heydayretirement.com/hubfs/Feb-2018/Home-Page/articles-03.png)](http://www.jacksonville.com/barbara-gavan/2013-07-11/story/boomers-face-retirement-challenge) #### About Us Heyday Retirement is a premier source for comprehensive tools and informative content designed to help retirees secure a custom retirement income plan. This plan can be the foundation for living out the retirement of their dreams — a retirement that is truly their Heyday!  **[Learn More](https://www-heydayretirement-com.sandbox.hs-sites.com/about-us)** **How much does the Heyday app cost?** The Heyday app is completely free. There are no monthly fees or signup fees; no credit card is required. This means you can create a full retirement income plan in Heyday and pay nothing unless you decide to purchase some or all of the insurance products suggested in the plan.   #### Resources - [Retirement Income Planner](https://www.heydayretirement.com/features) - [Retirement Guides](https://www.heydayretirement.com/retirement-guides) - [Retirement Workshops](https://www.heydayretirement.com/online-retirement-workshops) - [News & Posts](https://www.heydayretirement.com/heyday-blogs) - [Privacy Policy](https://www.heydayretirement.com/privacy-policy) - [Terms of Service](https://www.heydayretirement.com/terms-of-service) #### Contact Us - [(844) 4-HEYDAY](tel:8444439329) - [844-443-9329](tel:8444439329) - [info@heydayretirement.com](mailto:info@heydayretirement.com) - [9191 RG Skinner Pkwy., Suite 502](https://goo.gl/maps/FRi714EGNCv4Rvu26) - Jacksonville, FL 32256 - [Twitter](https://twitter.com/enjoyyourheyday) - [Facebook](https://www.facebook.com/heydayretirement) Materials offered by Heyday Retirement, including articles, ebooks, and workshops are designed to provide general information on the subjects covered. They are not intended to provide specific financial, legal or tax advice. Heyday markets insurance products and its representatives do not give investment, legal or tax advice. You are encouraged to consult your tax advisor, attorney, or investment advisor. By providing your information, you give consent to be contacted by a licensed insurance professional about the possible sale of an insurance product. Pay nothing unless you decide to purchase some or all of the insurance products suggested in the plan. You may withdraw your consent at any time. All Heyday authors, professors and educators are paid for their contributions. Their inclusion does not represent an endorsement of products. Copyright 2022 Heyday. All rights reserved.