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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Vishesh RaisinghaniSun, November 2, 2025 at 1:15 PM GMT+1 5 min readIt’s tempting to assume that your retirement date and your first Social Security check will arrive at the same time. But for many retirees, that’s not how it works out.According to a MassMutual survey, the average retirement age in 2024 was 62, (1) while most Americans don’t start claiming Social Security until age 65, according to AARP. (2) That leaves a gap of roughly three years where retirees have to fund their lifestyle entirely from their own savings.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howI’m almost 50 and have nothing saved for retirement — what now? Don't panic. These 6 easy steps can help you turn things aroundDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPIf you’re among those planning to retire early, that gap can have an outsized effect on your long-term financial health. Here’s why the timing matters more than you think — and how to make sure your savings can safely carry you across the divide.Retiring before claiming Social Security creates a vulnerable period — a time when your nest egg has to pull double duty, covering both your expenses and market volatility.Take Susan, for example. She plans to retire at 60, needs $60,000 a year to live comfortably, and wants to delay claiming Social Security until 65, when she’ll receive about $25,000 annually in benefits.With $1 million saved, Susan decides to withdraw 6% per year from her 401(k), assuming the market’s average return of 10% will sustain her. But if she retires into a downturn — say, the S&P 500 drops 10% in each of her first two years and stagnates after — she could end up with just over $525,000 before her first benefit check arrives.That smaller balance now has to last decades, and her withdrawal rate shoots above 10% — a dangerous level that could drain her savings much faster than expected.The best way to protect against this risk is to create a “bridge fund” — a pool of stable assets you can live on until Social Security begins.For instance, if Susan had moved $300,000 of her portfolio into bonds or Treasury funds earning around 5%, her portfolio might have ended that five-year period closer to $600,000, even with poor stock market performance.That difference could mean the ability to maintain her lifestyle without constantly worrying about the next market swing.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,851.97 +11.77 (+0.17%)Dow 3047,336.68 -226.19 (-0.48%)Nasdaq23,834.72 +109.77 (+0.46%)Russell 20002,471.24 -8.14 (-0.33%)VIX17.17 -0.27 (-1.55%)Gold4,008.10 -5.90 (-0.15%)PortfolioSign in to access your portfolioSign inTop gainersCIFR Cipher Mining Inc. 22.76 +4.11 (+22.04%)AMKR Amkor Technology, Inc. 37.84 +5.56 (+17.22%)LUMN Lumen Technologies, Inc. 11.83 +1.55 (+15.08%)IDXX IDEXX Laboratories, Inc. 722.94 +93.43 (+14.84%)FRPT Freshpet, Inc. 56.25 +7.04 (+14.31%)Top losersQURE uniQure N.V. 34.29 -33.40 (-49.34%)RGC Regencell Bioscience Holdings Limited 13.56 -3.09 (-18.56%)KMB Kimberly-Clark Corporation 102.27 -17.44 (-14.57%)UUUU Energy Fuels Inc. 17.80 -2.71 (-13.21%)QS QuantumScape Corporation 16.21 -2.23 (-12.09%)Most activeKVUE Kenvue Inc. 16.14 +1.77 (+12.32%)NVDA NVIDIA Corporation 206.88 +4.39 (+2.17%)CIFR Cipher Mining Inc. 22.76 +4.11 (+22.04%)PFE Pfizer Inc. 24.66 +0.01 (+0.04%)ONDS Ondas Holdings Inc. 6.15 -0.29 (-4.50%)Earnings eventsMy earnings eventsEarnings eventsTrending tickersPLTR Palantir Technologies Inc. 207.18 +6.71 (+3.35%)HIMS Hims & Hers Health, Inc. 44.39 -1.07 (-2.35%)BTC-USD Bitcoin USD 106,430.49 -4,334.43 (-3.91%)NVTS Navitas Semiconductor Corporation 12.25 -1.21 (-8.99%)KMB Kimberly-Clark Corporation 102.27 -17.44 (-14.57%)Top economic events