All retirement guides
17 original, plain-English guides covering retirement planning in the UK, US, Australia and Canada. Each one is written and maintained in-house, uses worked examples in local currency, and is checked against the current rules published by HMRC, the IRS, the SSA, the ATO and the CRA.
Start here
The core planning questions almost everyone asks first.
Target pots by lifestyle, with worked examples and the maths behind each number.
Read guide →Where the safe-withdrawal rule came from, when it works, and when it fails.
Read guide →What each input means and how to read a projection without fooling yourself.
Read guide →The 25x rule and savings-rate timelines, with US, UK, AU and CA examples.
Read guide →Why purpose, identity and routine matter as much as the money.
Read guide →The hidden challenges nobody warns you about before you stop working.
Read guide →🇺🇸 United States
401(k)s, IRAs, Social Security and state-by-state considerations.
Rule of 55, SEPP/72(t), bridging to Medicare and Social Security.
Read guide →Contribution limits, tax treatment and which to fund first.
Read guide →Getting the full employer match and avoiding front-loading mistakes.
Read guide →Claiming at 62 vs FRA vs 70, and the break-even maths.
Read guide →Costs, taxes, healthcare and the numbers behind the sunshine.
Read guide →The $1,000 child savings accounts: eligibility, rules and planning angles.
Read guide →What changed this year and how it affects your plan.
Read guide →🇬🇧 United Kingdom
Pensions, ISAs and the normal minimum pension age.
🌏 Australia & Canada
Superannuation, RRSPs, TFSAs and government benefits in local currency.