Retirementize Blog

10 Reasons to Delay CPP

Explore 10 reasons to delay your CPP until age 70 for maximum financial benefit. Learn how waiting for CPP can enhance your retirement income.

10 Reasons to Take CPP Early

Discover 10 compelling reasons to take CPP at age 60 and how early retirement can benefit your lifestyle and financial planning.

10 Sources for Retirement Income in Canada

Explore the top 10 sources of retirement income in Canada, including CPP, OAS, RRSP, TFSA, and more. Learn how to maximize your retirement savings and minimize taxes with these essential income streams.

10 Sources of Retirement Income for Americans

Discover the top 10 sources of retirement income for Americans, from Social Security and pensions to investments and part-time work. Learn how to maximize your income in retirement and explore additional opportunities.

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12 Retirement Surprises

Retirement surprises can be good or bad. They can improve your retirement experience, or be life changing. Here is a list of 12 retirement surprises.

20 Retirement Memes

Check out these 20 hilarious retirement memes to get a good laugh while planning your retirement. Use the Retirementize tool for a stress-free retirement plan.

20 Retirement Memes

Check out these 20 hilarious retirement memes to get a good laugh while planning your retirement. Use the Retirementize tool for a stress-free retirement plan.

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45 Thoughtful Retirement Gifts for Women (2025 Guide)

Discover 45 thoughtful retirement gifts for women. From personalized keepsakes to experience-based presents, find the perfect retirement gift idea.

Adult Kids Are Staying Home Longer

Why are my adult children still living at home? How can I get rid of them?

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Busier in Retirement

Many people say they are actually busier in retirement than when they were working full time... let

Can I Retire at 55 and Collect Social Security?

Explore whether you can retire at 55 and collect Social Security. Learn about exceptions, strategies, and tips to secure your early retirement.

Can I Retire at 60 with $500K?

Can I retire at 60 with $500K? Learn how $500,000 in savings plus Social Security could provide $39,000 per year in retirement income, with strategies to make it work.

Can I Retire with 2 Million?

Wondering if you can retire with $2 million? We compare California vs. Florida scenarios using Retirementize.com to show how far $2M can take you.

Can I Retire Yet Calculator

A deep dive into the best can I retire yet calculator features, with real USA and Canada examples. Learn what matters and why Retirementize stands out.

Can You Have More Than One TFSA?

Can you have more than one TFSA? Short answer: yes — you can open multiple TFSA accounts, but your contribution room is shared across all accounts. Learn rules, examples, risks, tracking tips, and how to use TFSAs for retirement planning.

Can You Retire with $1,000,000 in Your RRSP?

Discover if retiring with $1,000,000 in your RRSP is enough. Learn about tax strategies, inflation, investment growth, and withdrawal planning in retirement.

Can You Work While Receiving CPP and OAS? A Complete Guide for Canadian Retirees

Learn how working while receiving CPP and OAS works in Canada. Understand income rules, tax implications, and how employment may affect your retirement benefits.

Canadian Retirement Tax Hacks You Need to Know

Discover essential Canadian retirement tax hacks to maximize savings and minimize taxes during your golden years. Learn expert tips and strategies.

Canadian Retirement without Savings

How and when can Canadians retire if they have no savings? What are their sources of income and how much can they expect?

Cost of Living Comparison Between the USA and Thailand

Discover the detailed cost of living comparison between the USA and Thailand. Learn how much you can save, with specific numbers on housing, food, healthcare, and more.

CPP Survivor Benefits

Learn all about CPP survivor benefits, who qualifies, how much you can receive, and how to apply. Maximize your retirement planning with Retirementize!

Dave Ramsey Retirement Calculator: How It Compares to Retirementize

Mr. Ramsey is very popular and successful. How does the Retirementize calculator compare to Dave Ramsey

Defined Benefit vs Defined Contribution Retirement: What’s the Real Difference?

A complete guide to defined benefit vs defined contribution retirement plans, including examples, pros and cons, risks, statistics, and how to plan retirement income.

Do Common Law Partners Qualify for Income Splitting in Canada?

Do common law partners qualify for income splitting in Canada? Learn CRA rules, pension income splitting, CPP sharing, examples, timing, and how Retirementize models common-law scenarios.

Does Pennsylvania Tax Retirement Income?

Does Pennsylvania tax retirement income? Learn the rules about Social Security, pensions, IRAs, 401(k)s, and more in Pennsylvania’s tax system for retirees.

Downsizing in Retirement: A Complete 2026 Guide to Saving Money, Simplifying Life, and Living Better

A complete guide to downsizing in retirement. Learn how to reduce expenses, simplify your lifestyle, and stretch your savings further. Includes financial tips, examples, fun facts, and expert guidance.

Early Retirement Withdrawal Calculator - Plan Your Financial Future

Explore how to calculate early retirement withdrawals, avoid penalties, and ensure a sustainable income with Retirementize.

Elder Care Scam Calls: How to Protect Your Loved Ones

Protect your elderly loved ones from the rising threat of elder care scam calls. Learn about common scams like impersonation, lottery fraud, and AI-powered voice cloning. Get tips on how to identify and prevent scam calls, and explore solutions such as call-blocking technology. Stay informed and safeguard seniors from financial fraud.

Emotional and Psychological Aspects While Aging in Place

Explore the emotional and psychological aspects of aging in place, coping with loneliness, and the benefits of technology and companionship.

Employment Termination After Retirement Announcement

Employment termination after retirement announcement is an unexpected and stressful event. Learn why it happens, what to do legally and practically, how to protect yourself, and how to avoid it in the first place.

Family and Caregiver Support for Aging in Place

Learn how to support aging in place with family and caregiver resources, home modifications, and balancing independence.

FHSA vs TFSA

Learn the key differences between FHSA and TFSA accounts in Canada. Discover which one helps you save more for your first home or retirement, with examples, tax tips, and fun facts.

Financial Planning for Aging in Place

Explore financial strategies for aging in place. Learn how to budget for long-term care, home modifications, and more.

FIRE Retirement Plan

Learn how to achieve financial independence and retire early (FIRE) with practical strategies, stats, and expert insights. Start planning your FIRE journey today!

Frugal Retirement Living: Managing the Fear of Running Out of Money

Discover practical strategies for frugal retirement living and learn how to manage the fear of running out of money. Explore tips on saving, budgeting, and using retirement calculators to ensure a secure financial future.

Fun Jobs After Retirement

Discover the best fun jobs after retirement to stay active, earn extra income, and pursue your passions. Explore creative, social, and flexible options today!

Funny Retirement Advice: Quotes, Tips, and Laughs for Retirees

Funny retirement advice and hilarious quotes about saving, spending, planning, and living the retired life. Perfect for cards, coworkers, or family.

Happy Retirement

What makes a happy retirement?

Home Modifications for Aging in Place

Explore essential home modifications for aging in place, covering entryways, bathrooms, lighting, smart tech, and more. Learn how to stay safe, independent, and comfortable in your own home.

How a Recession Affects Retirement

Discover how a recession impacts retirement savings, income, healthcare costs, and strategies to safeguard your financial future.

How Can Social Security Help with Estate Planning?

Learn how Social Security can be a valuable tool in estate planning. Understand survivor benefits, spousal benefits, and more to secure your family

How Long Will My Retirement Savings Last?

Discover how long your retirement savings will last. Explore key factors, strategies, and tools like Retirementize to model your retirement future.

How Many Rental Properties to Retire

Wondering how many rental properties you need to retire comfortably? Learn the math, examples, and strategies to achieve financial freedom through real estate.

How Many Years Should a Financial Planner Plan?

A detailed guide on the years and stages a financial planner should cover, from building wealth to retirement living and estate planning.

How Much Notice to Give When Retiring

Learn how much notice to give when retiring, why it matters, and how to plan a smooth transition. Use these tips to make your retirement journey stress-free and professional.

How RRSPs Reduce Your Taxes — A Clear, Practical Guide

Learn exactly how RRSP contributions reduce your taxable income, how limits and carry-forward work, and smart strategies to maximize tax savings. Examples, FAQs, and fun facts included.

How to Choose the Best Retirement Planner

Learn how to choose the best retirement planner for your financial future. Discover tips, qualifications, and tools to secure a stress-free retirement.

How to Factor in a Pension into Retirement Savings

Learn how to factor in a pension into your retirement savings plan effectively. Understand pension types, tax implications, and how to balance them with other income sources.

How to Protect Your 401k in a Divorce

Strategies to avoid losing some of your 401k after a divorce.

How to Retire Happy, Wild, and Free

Discover how to retire happy, wild, and free by embracing financial freedom, health, adventure, and social connections. Learn strategies for a fulfilling retirement.

Income Splitting in Canada – The Complete Guide

Learn everything about income splitting in Canada. Discover rules, benefits, pension income splitting, tax on split income, eligibility, strategies, and how Retirementize calculator factors it in.

Inherited IRAs: A Comprehensive Guide

Learn everything about inherited IRAs, including rules, tax implications, and strategies to maximize benefits and minimize taxes.

Inheriting a House with Debt

Inheriting a house with debt can be complicated. Learn your legal options, tax implications, steps to take, and how to decide whether to keep, sell, or disclaim the property.

Is $1.5 Million Enough to Retire at Age 60?

Wondering if $1.5 million is enough to retire at 60? Explore lifestyle scenarios, withdrawal strategies, taxes, healthcare costs, and more in this in-depth guide.

Is Cooper Texas Good for Retirees?

Is Cooper Texas good for retirees? Discover the cost of living, healthcare, lifestyle, and pros and cons of retiring in Cooper, Texas.

Is Retirement Age 65 or 67 in Canada?

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Jobs for Retired Engineers: 15 Exciting Roles to Keep Your Skills in Play

Discover flexible and fulfilling job ideas for retired engineers. Stay active, earn income, and use your skills in meaningful ways with these roles.

Jobs for Retired Healthcare Professionals: Flexible, Fulfilling Options for Life After Retirement

Explore rewarding job options for retired healthcare professionals, from telemedicine and consulting to teaching and writing.

Jobs for Retired Nurses: Flexible, Fulfilling & Profitable Work After Retirement

Discover the best jobs for retired nurses, including part-time, remote, low-stress, and flexible roles. Learn how to boost retirement income and plan smarter with Retirementize.

Jobs for Retired Police Officers

Discover flexible and fulfilling job ideas for retired police officers. Stay active, earn income, and use your skills in meaningful ways with these roles.

Jobs for Retired Teachers: Flexible, Fulfilling Opportunities for Life After the Classroom

Explore fulfilling job options for retired teachers, from tutoring and curriculum development to writing and educational consulting.

Kentucky Retirement System: Benefits, Tiers, and Retirement Planning Guide

Learn how the Kentucky Retirement System works, including benefits, tiers, retirement age, COLAs, funding status, and how to maximize your retirement income.

Least Expensive States to Retire In

Explore the least expensive states to retire in, with tips, stats, and examples to maximize your retirement savings and lifestyle.

Leave Preparatory to Retirement: Your Ultimate Guide

Explore how leave preparatory to retirement can smooth the transition to your golden years. Get financial, emotional, and legal tips to prepare for retirement.

Medicare vs Obamacare: What’s the Difference and Which One Is Right for You?

Learn the key differences between Medicare and Obamacare (Affordable Care Act), including eligibility, costs, and benefits. Discover which option fits your health and retirement plan best.

Mega Backdoor Roth Solo 401(k)e

Learn everything about the Mega Backdoor Roth Solo 401(k) strategy. Maximize your retirement savings with tax-free growth and strategic planning.

Military Divorce Retirement Pension Rules Change (USA)

Learn about the military divorce retirement pension rules change, the 2017 frozen benefit rule, and how it impacts service members and spouses in the USA.

Millennial Midlife Crisis: How It’s Shaping Retirement Dreams

Explore the millennial midlife crisis, its challenges, and its impact on retirement. Discover strategies and tools like Retirementize to secure your future.

Money Purchase Retirement Plan: Complete Guide

Learn what a Money Purchase Retirement Plan (MPRP) is, how it works, pros & cons, contribution limits, and whether it

Monitoring Senior Living at Home: AI, Sensors, and Wellness Scores

Explore the best AI-powered home monitoring systems for seniors. Learn how top solutions like CarePredict and Lively use sensors and smart technology to enhance senior safety and wellness

My Husband Retired and I Hate It

A humorous take on retirement struggles, narrated by a wife who finds her husband

NewRetirement Retirement Calculator: How It Compares to Retirementize

NewRetirement (now Boldin) retirement calculator is very popular. How does the Retirementize calculator compare?

OAS Clawback

What is OAS, and how is it clawed-back?

Pay Off the Mortgage or Save for Retirement

Should you pay off your mortgage early or prioritize saving for retirement? Explore the pros, cons, and key factors to consider in this financial dilemma. Use our Retirementize calculator to find the best strategy for your future!

Pension Income Splitting in Canada

Learn how pension income splitting works in Canada, who qualifies, how to elect it, and how it can reduce your household taxes. Includes examples and links to Retirementize.

Phases of Retirement: Go-Go, Slow-Go and No-Go

Our financial needs change while transitioning through retirement. Here is a simple way to describe these transition phases: Go-Go, Slow-Go and No-Go

Pilot Retirement Age: Rules, Debates, Money Moves, and What Comes Next

A comprehensive, upbeat guide to the pilot retirement age: current rules, history, safety, ongoing debates, international comparisons, finances, post-retirement options, and the future—plus fun facts and FAQs.

Playing Music at Retirement Homes

Discover how music transforms lives in retirement homes—boosting memory, mood, and social connection. Learn how to start a program or volunteer!

Reasons Not to Consolidate Retirement Accounts

Explore the reasons why consolidating retirement accounts might not be the best choice, covering benefits, withdrawal flexibility, RMDs, custodial risks, and more.

Rental Properties as Part of Your Retirement Financial Planning

Rental properties are a great additional to your retirement portfolio. When do you buy them and when do you sell them?

Retire at 55 with 500k

Learn how to retire at 55 with 500k and make your savings last. Discover tips, strategies, and common pitfalls with the help of our Retirementize income calculator.

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Retirement Budgeting

Dig into the reasons we need budgeting for retirement and how it relates to planning and calculating your future plans.

Retirement Cake Ideas

Unique, creative and fun retirement cake ideas with pictures.

Retirement Calculators for Couples: Plan Together, Retire Happily

Discover how retirement calculators tailored for couples can help you plan your financial future together. Explore tax considerations, survivor benefits, and more for both the U.S. and Canada.

Retirement Calculators Using Income Splitting

See how income splitting boosts retirement income using Retirementize. A real couple example shows tax savings, improved after-tax income, and side-by-side calculator outputs.

Retirement Gets Harder the Longer You Wait

The longer you wait to retire, the harder it gets.

Retirement Gift Basket: The Ultimate Guide to Crafting the Perfect Send-Off

Discover how to create the perfect retirement gift basket with thoughtful items, theme ideas, and tips for every retiree.

Retirement Gifts for Engineers — The Ultimate Guide

Looking for the best retirement gifts for engineers? Explore practical tools, tech gadgets, personalized keepsakes, hilarious engineering gifts, luxury splurges, and more.

Retirement Interest Only Mortgages

Learn everything about retirement interest only mortgages, including pros, cons, eligibility, comparisons with equity release, and how they fit into retirement planning.

Retirement Planning Calculators: Income Planning vs. Savings Accumulation

Retirement Planning Calculators: Income Planning vs. Savings Accumulation.

Retirement Planning Mistakes: Over-Estimates and Under-Estimates

Discover common retirement planning mistakes that can lead to over- or under-estimation. Learn how to avoid these pitfalls and ensure your retirement plan is on track.

Retirement Savings Magic Number

What is the magic number for your retirement savings, so that you can live out your golden years comfortably?

Retirement Savings vs Income Calculators

There are two main categories of retirement calculators in the web: One for Savings and one for Income.

Retirement Speech Ideas

Explore creative retirement speech ideas to make your retirement celebration unforgettable.

Retirement Survival Kit: Essential Tools and Resources for a Fulfilling Retirement

Discover the ultimate retirement survival kit with essential financial tools, wellness resources, and lifestyle must-haves to thrive in your golden years.

Retirement Withdrawal Calculator: Maximizing Your Income

Learn how to use a retirement withdrawal calculator to manage various sources of retirement income effectively. Discover strategies for minimizing taxes and optimizing investment growth.

RRSP Deadline 2025

Learn the 2025 RRSP deadline, contribution limits, and strategies to maximize your tax refund and grow your retirement savings. Don’t miss the March 3, 2025 cutoff!

RRSP Meltdown

This article explores how to withdraw (i.e. meltdown) your RRSP to minimize your taxes, and maximize your retirement income.

RRSP vs TFSA: Which One Is Better for You in 2025?

Compare RRSPs and TFSAs in 2025: how they differ, when to use each, and how to maximize tax efficiency and retirement income. Includes examples, charts, FAQs, and strategies.

RRSP Withdrawal Tax Calculator

RRSP is taxed-deffered. Withdrawing it is scary because we will need to pay taxes on it. How can we withdraw it optimally?

Rules on Withdrawing from a Roth IRA

Learn all about the rules for withdrawing from a Roth IRA, including qualified and non-qualified withdrawals, tax implications, and strategies for maximizing retirement savings.

Self-Employed Retirement Planning Strategies

Explore the best retirement planning strategies for self-employed individuals, including SEP IRAs, Solo 401(k)s, tax benefits, and more.

Should I Keep My Employer Health Insurance When I Retire?

Find out whether you should keep your employer health insurance after retirement. Learn how it works with Medicare, compare costs, explore pros and cons, and plan your healthcare coverage for retirement.

SIMPLE IRA Withdrawal Rules

Learn the SIMPLE IRA withdrawal rules, penalties, exceptions, and strategies to maximize retirement savings. Includes examples, tax implications, and fun facts.

Slow Travel Retirement: The Complete Guide for a Stress-Free and Affordable Adventure

Discover how slow travel retirement can lower your costs, enrich your lifestyle, and create a meaningful new chapter. Learn destinations, budgets, tips, and more.

Social Security Retirement Age 2026

Learn everything about the Social Security retirement age in 2026, including FRA, early retirement reductions, strategies to maximize benefits, COLA impacts, and planning tips.

Social Security Survivor Benefits

Learn everything you need to know about Social Security survivor benefits, eligibility, and how to maximize them for your family.

Swedish Death Cleaning

Discover the Swedish art of death cleaning and how it can help you declutter your life, leave a manageable legacy, and embrace minimalism.

Tax-Free Retirement Patrick Kelly

Discover Patrick Kelly’s tax-free retirement strategies and how to protect your retirement savings from taxes. Learn how to use tax-free vehicles to build wealth.

Teacher Retirement Calculator

Explore how a teacher retirement calculator can help you plan with confidence. Learn how Retirementize makes educator-specific planning easy and effective.

The 4% Rule

What is the 4% rule? How do we use it to plan for retirement?

The Golden Rules of Retirement Travel

Discover the essential rules for retirement travel, from budgeting to health and safety tips, ensuring a relaxing, enjoyable experience for all retirees.

The Impact of Inflation on Retirement Savings

Learn how inflation affects retirement savings, including strategies to protect your wealth from its erosive impact. Discover expert tips, real-life examples, and essential retirement tools.

The Secret to Happiness

Discover the science behind happiness, including studies, statistics, and practical tips for a fulfilled life.

This Does Not Constitute Financial Advice Disclaimer Template

A complete guide to

Tiny Changes Can Help You Achieve Savings Goals for Retirement

Discover how tiny changes can help you achieve savings goals for retirement. Learn small strategies that build big savings over time, with Retirementize.

Top 10 Things To Do Before You Retire

Discover the top 10 essential things to do before you retire to ensure a happy, secure, and stress-free retirement. Expert tips, studies, and tools included.

Top Assistive Devices for Seniors Living at Home

Discover the best assistive devices for seniors to enhance safety, mobility, and independence at home. From mobility aids to health monitors, find top-rated products here.

Traditional IRA Withdrawal Rules

Learn all about Traditional IRA withdrawal rules, with insights on penalties, taxes, and strategies to maximize your retirement income.

United States Income Taxes Ranked by State

Comprehensive ranking of all US states based on income taxes using average family income. Find out which states tax the most and which tax the least.

What Income Can Be Split Between Spouses in Canada?

Which types of income can you split with your spouse in Canada? Learn about pension income, RRIF withdrawals, CPP sharing and what does NOT qualify.

What is a 401k?

Learn everything about 401k plans, how they work, their benefits, and how to maximize your retirement savings. Explore tips and use our Retirementize calculator!

What is a Good Monthly Retirement Income for a Couple?

Wondering what is a good monthly retirement income for a couple? Learn benchmarks, factors, strategies, and tools to calculate your retirement needs in the USA and Canada.

What is a Roth Conversion

Learn everything about Roth conversions, how they work, and if it

What is a Roth IRA? Everything You Need to Know

Learn about Roth IRAs, their benefits, how they work, and how they fit into your retirement strategy. Optimize your financial future with Retirementize.

What is a RRIF?

Learn about Registered Retirement Income Funds (RRIFs), how they work, and why they

What is a RRSP? Your Ultimate Guide to Retirement Savings

Learn what a RRSP (Registered Retirement Savings Plan) is, how it works, its benefits, and tips for maximizing your retirement savings.

What is a TFSA? Your Guide to Tax-Free Savings in Canada

Discover everything about the TFSA (Tax-Free Savings Account), its benefits, rules, and how to use it to grow your savings in Canada. Optimize your financial future with Retirementize.

What is an Annuity?

Learn everything about annuities, types, benefits, and how they fit into your retirement plan.

What is CPP?

Learn about the Canada Pension Plan (CPP), its benefits, and why it

What is GIS? Understanding the Guaranteed Income Supplement

Learn all about Canada

What is OAS? Everything You Need to Know About Canada's Old Age Security

Discover what OAS is, how it works, and how you can optimize your retirement income in Canada. Learn about eligibility, payments, and how to integrate OAS into your retirement planning.

What Is Retired Husband Syndrome?

Discover what Retired Husband Syndrome (RHS) is, its causes, symptoms, and solutions for a happy retirement. Learn how Retirementize can help.

What is RMD? A Guide to Required Minimum Distributions

Understand Required Minimum Distributions (RMDs) and how they impact retirement planning, tax strategies, and income security.

What is Social Security

This article describes the USA social security program with some example calculations.

What Is Tax on Split Income (TOSI)? — A Clear Guide

Tax on Split Income (TOSI) prevents income sprinkling to family members. Learn what TOSI is, who it applies to, exceptions, and how it interacts with income splitting.

What is the 50/30/20 Rule?

Learn about the 50/30/20 rule for budgeting, how to implement it, and why it

What Makes Maryland an Expensive State to Retire in 2024

Discover why Maryland is one of the most expensive states to retire in 2024. Explore housing costs, taxes, healthcare expenses, and tips for retirement planning.

What’s the Difference Between 401k and 403b?

Learn the key differences between 401k and 403b retirement plans. Discover the pros, cons, and how to choose the best option for your retirement planning.

When Did the Retirement Age Change to 67?

Learn when the retirement age changed to 67, why it happened, who it affects, and how it impacts retirement planning. Full breakdown with history, fun facts, and strategies.

When Should I Use Income Splitting in Canada?

Discover the best times and situations to use income splitting in Canada: retirement, RRIF timing, CPP sharing, and avoiding OAS clawbacks.

Who Is Eligible for Income Splitting in Canada?

Who qualifies for income splitting in Canada? Learn about age, relationship status, types of income, CPP sharing and special rules.

Why Downsizing in Retirement Might Be a Terrible Idea

A contrarian look at downsizing: why selling the family home to get smaller might backfire emotionally, financially, and logistically for many retirees. Use this guide to weigh the downsides and run the numbers with Retirementize.

Why Retirement Income Matters More Than Net Worth

Learn why retirement income matters more than net worth, how to avoid common retirement planning traps, and how to create sustainable monthly income using smart planning tools.