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Coordinated Social Security and 401(k) Strategies Crucial for U.S. Retirement Income

Coordinated Social Security and 401(k) Strategies Crucial for U.S. Retirement Income

Coordinated Social Security and 401(k) Strategies Crucial for U.S. Retirement Income
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Social Security’s estimator makes one costly assumption

Social Security’s estimator makes one costly assumption

The monthly estimate could include paychecks you’ll never receive.
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Office of Personnel Management Announces 10.9% Average Increase in Federal Health Insurance Premiums for 2026

Office of Personnel Management Announces 10.9% Average Increase in Federal Health Insurance Premiums for 2026

The U.S. Office of Personnel Management (OPM) has announced an average 10.9% increase in the enrollee share of Federal Employees Health Benefits (FEHB) premiums for 2026. This marks the third consecutive year of significant premium hikes, following a 12.3% increase in 2025 and a 13.5% increase in the prior year. Cumulatively, federal workers and retirees will face an average premium increase of over 41% within a three-year period. Postal enrollees are also affected, with an 8.2% average increase for 2026, contributing to a more than 33% average increase over the last three years. This information was released by OPM ahead of the upcoming Open Season, during which federal employees can select their health insurance plans.
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Vanguard uncovers the real cost of early Social Security

Vanguard uncovers the real cost of early Social Security

Penalties await Americans who file before full retirement age and keep working.
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Schwab traces retirement's biggest gap to a silent drain

Schwab traces retirement's biggest gap to a silent drain

The biggest threat to Gen X's retirement savings is hiding in everyday family spending.
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OPM Director Scott Kupor Discusses Federal Hiring Overhaul and High-Performance Culture at Texas A

OPM Director Scott Kupor Discusses Federal Hiring Overhaul and High-Performance Culture at Texas A

Scott Kupor, Director of the U.S. Office of Personnel Management (OPM), visited Texas A&M University on September 22, 2026, as part of a college speaking tour. His visit aimed to encourage students to consider public sector careers and to detail recent changes in federal hiring practices. Kupor highlighted the federal government's struggle to attract young talent, noting that only about 7% of the federal workforce is under 30, significantly lower than the private sector average. Appointed by President Trump in July 2025, Kupor emphasized the need to reshape the federal workforce into a leaner, more focused system. This includes prioritizing high-impact projects due to budget constraints and fostering a more innovative environment, as the government has historically been risk-averse and slow to adopt technology. He also discussed the shift towards merit-based promotions and skill-based hiring, moving away from tenure as the primary basis for advancement, a goal initiated by the previous administration.
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Goldman Sachs Report Reveals Financial Strains Undermining U.S. Retirement Readiness

Goldman Sachs Report Reveals Financial Strains Undermining U.S. Retirement Readiness

Goldman Sachs Report Reveals Financial Strains Undermining U.S. Retirement Readiness
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Amundi Study Reveals Advised Investors More Confident in Retirement Funding

Amundi Study Reveals Advised Investors More Confident in Retirement Funding

Amundi Study Reveals Advised Investors More Confident in Retirement Funding
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Early Retirement Requires Distinct Planning Considerations Beyond Traditional Advice

Early Retirement Requires Distinct Planning Considerations Beyond Traditional Advice

Early Retirement Requires Distinct Planning Considerations Beyond Traditional Advice
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Office of Personnel Management Mandates eFile System for Federal Overtime Claims

Office of Personnel Management Mandates eFile System for Federal Overtime Claims

Effective September 29, the U.S. Office of Personnel Management (OPM) is requiring federal employees to use its eFile system for submitting administrative Fair Labor Standards Act (FLSA) claims. This new mandate also extends to requests for reopening or reconsidering a claim, as well as all supporting documentation. While the eFile system becomes the primary method, OPM will still permit alternative filing methods if an exemption is granted. This procedural change specifically addresses how claims reach OPM and does not alter the criteria for determining FLSA exemption, the overtime standards, or the potential back pay recovery period for successful claims. Employees can still initiate claims with their respective agencies, which may then forward them to OPM via eFile. However, direct filings with OPM will now necessitate the eFile system, with email or postal submissions no longer accepted without an approved exemption. The rule clarifies that certain matters, such as those handled by other agencies under...
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America's retirement 'magic number' just hit another record

America's retirement 'magic number' just hit another record

Most people have a retirement number in their head. A new record shows how fast that number keeps moving.
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Dave Ramsey has blunt warning on 401(k)s, IRAs

Dave Ramsey has blunt warning on 401(k)s, IRAs

The bestselling personal finance author cautions Americans about a serious retirement savings mistake to avoid.