Retire with MONEY

Nearly One-Third of Workers Have No Idea About This Key Retirement Benefit — and It's Costing Them Thousands by Alix Langone Does your company offer you access to a retirement account? A new survey found that three out of 10 Americans can’t even answer that question.

I Drank My Way Through the Trader Joe’s Booze Aisle and Found Some Incredible Deals Hiding in the Shelves by Paul Schrodt Trader Joe’s has become a beloved brand, in part, for its cheap booze. So-called “two-buck Chuck”—the market’s Charles Shaw wine—is its own phenomenon. The price may have creeped up (it now costs $3.99), but TJ’s has plenty of other quality offerings—that might not induce a similar hangover.

People Make This Costly Social Security Mistake All the Time. Here's What to Know - and How to Avoid It by Elizabeth O'Brien Pre-retirees overestimate their future Social Security benefits by about 28%, a miscalculation that can have a devastating effect on their quality of life in retirement, according to a recent survey.

How to 'Go Green' and Become the Least Wasteful Person In Your Office — for Cheap by Tari Ayala Eco-friendly tips are everywhere. But figuring out how to integrate them into your daily life can seem overwhelming. So I have a solution: Start at the office. Since a majority of us spend most of our waking hours in an office setting, it’s a great place to start getting eco-conscious—and will have a bigger impact than you might think.

Seniors Lose $3 Billion to Identity Theft Each Year. Do This Immediately to Protect Yourself by Alix Langone Identity theft impacts millions of people every year, and older Americans are targeted at higher rates than the rest of the population. People age 65 and older lose a whopping $36.5 billion to elder financial abuse every year, and almost $3 billion of that money is stolen via identity fraud, according to a study conducted by financial services firm TrueLink.

I Ditched My Budget and Created a 'Thrive 'List' — and it Helped Me Tackle My $100,000 Debt by Kara Cutruzzula Tara Newman knows how high performers operate. As an organizational psychology expert and coach, she’s helped people change careers and become better leaders, all while fighting ‘burnout’ and helping them thrive. But it wasn’t always this way. She learned from her own financial struggles.

Great British Baking Show’ Stars Reveal the One Thing Every Amateur Baker Should Splurge On by Julia Glum The secret ingredient isn’t always love. Sometimes, it’s money. It’s not hard to be frugal in the kitchen, but the occasional splurge on a special ingredient or high-tech gadget can take your meals to the next level.

http://money.com/money/5642645/what-are-income-annuities-money/.

The Secret to Pivoting to a New Career, According to Someone Who Went From Security Guard to Executive by Kristen Bahler It’s hard not to feel like a massive screw up sometimes. We’re constantly being reminded of other people’s greatness — stories about scrappy young bootstrappers who grew up to become Mark Zuckerberg or Elon Musk are basically part of our national identity.

Millions of Americans Will No Longer Receive an Essential Social Security Document in the Mail. Find It Online Instead, by Alix Langone Social Security has been in the spotlight recently thanks to a new projection from the trustees of Social Security and Medicare that estimates the program won’t be able to pay out full benefits by 2035 unless Congress intervenes. But the program itself is already running low on funds.

This 28-Year-Old Cashed Out Her 401(k) to Buy 300 Gallons of Rosé. Now She's Running a Multimillion Dollar Wine Company by Paul Schrodt Alix Peabody didn’t intend to start a wine company, but the millennial entrepreneur stumbled into it. Almost literally. The 28-year-old’s canned rosé line Bev is social media-savvy and comes with its own feminist hashtag-ready catchphrases—”made by chicks” and “break the glass.

The Most Successful People Have This Trait in Common, According to a MIT Survey of 20,000 People About Productivity by Prachi Bhardwaj If you want to turn up your workflow, try turning down your email intake. That was a major finding from Robert Pozen, senior lecturer at the Massachusetts Institute of Technology who created his very own “Pozen Productivity Rating tool” to help working professionals find out how productive they really are.

This is the Real Way You're Flushing Your Retirement Savings Down the Drain by Alix Langone Suze Orman stoked the debate about wasteful spending a few weeks ago when she said that “you’re peeing $1 million down the drain” if you buy coffee rather than make it yourself at home. Money experts have chided Americans about their coffee and avocado toast consumption for years, but there’s another candidate vying for the biggest waste of money: dietary supplements.

Is Your Cover Letter Boring? Here’s the 1 Thing You Need to Spice It Up, According to an HR Manager' by Sylvia Giltner Most job seekers mash together a cover letter as an afterthought. After all, the key information is all in the resume. So, they begin with something like this: “With great interest, I noted your opening for a software engineer. Please consider me an applicant for this position.” No no no. You’re stating the obvious.

These Are the 5 Best Cities in America for Eating Out Affordably by Shaina Mishkin Trying new foods is an essential part of going on vacation — but, if you’re not careful, it can also be a big money drain. Luckily for hungry travelers, the U.S. is full of destinations where an excellent meal doesn’t need to take a bite out of their budget.