Retirement Literacy Foundation

Retirement Guides

Free, plain-English answers to the money questions retirees actually ask — each with a calculator to run your own numbers.

Retirement Income

How Much Income Does $250,000 Generate?Read guide →How Much Income Does $500,000 Generate?Read guide →How Much Income Does $750,000 Generate?Read guide →How Much Income Does $1 Million Generate?Read guide →Pension Lump Sum vs. Monthly AnnuityRead guide →Turn Your 401(k) Into a Monthly PaycheckRead guide →

Safe Money & Rates

MYGA vs. CD: Which Is Better for Retirees?Read guide →The Best Alternatives to CDs for RetireesRead guide →Are Fixed Annuities Safe?Read guide →How to Protect Savings From a Market CrashRead guide →Sequence of Returns Risk ExplainedRead guide →

Social Security

How Much of Your Social Security Is Taxable?Read guide →Should You Take Social Security at 62 or 70?Read guide →The Social Security Bridge StrategyRead guide →

Taxes, RMDs & Medicare

How to Reduce Taxes on Your RMDsRead guide →The RMD Tax TorpedoRead guide →What to Do With RMD Money You Don't NeedRead guide →Inherited IRA: The 10-Year RuleRead guide →How to Avoid IRMAARead guide →The Widow's Penalty TaxRead guide →

The Retirement Literacy Foundation is a 501(c)(3) non-profit. These guides are general financial education, not individualized investment, tax, or insurance advice.