Five Things I Wish I’d Known Before I Retired

Not only can these insights save you a boatload of stress later in life, but they can help ensure that you have a happy retirement.

A couple sit with a financial adviser at a table.
(Image credit: Getty Images)

Planning for retirement is tricky. There can be a lot of uncertainty involved. You try to make good decisions with the information you have, save what you think you’ll need and hope for the best. But often, you don’t truly know if you’ve made the right calls until you’re actually retired.

Many Americans are feeling uncertain these days, according to the Employee Benefit Research Institute’s 2023 Retirement Confidence Survey. Only 18% of workers and 27% of retirees feel “very confident” they will have enough money to live comfortably throughout retirement.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Pam Krueger
Founder, Wealthramp

With more than 25 years in investor advocacy, Pam Krueger is the founder and CEO of Wealthramp, an SEC-registered adviser matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisers. She is also the creator and co-host of the award-winning MoneyTrack investor-education TV series, seen nationally on PBS, and Friends Talk Money podcast.