GoKawiil
Tech News
PwC research cited by an Entrepreneur contributor finds that three-quarters of business owners feel deep regret within a year of exiting their company, despite gaining significant wealth. The piece argues the problem isn't financial but personal: many founders never build a plan for identity and purpose after the sale, leaving them adrift once the business that defined them is gone.
Jeff Schneble, who leads digital 401(k) provider Human Interest, discussed why more small businesses should start offering retirement plans as the savings industry undergoes rapid change. He explained his decision to leave venture capital to run the fast-growing company amid rising demand for retirement products.
Small businesses are increasingly offering retirement savings plans to employees, a benefit once considered exclusive to larger companies with more resources. This shift is driven by improved retirement plan tools, lower barriers to entry, and rising employee expectations around financial security benefits.
A new ranking evaluated U.S. cities for retirees based on cost of living, healthcare access, quality of life and available activities. The analysis found Wyoming locations outperforming traditional retirement hotspots, offering an alternative to the well-worn path to Florida and Arizona.
Financial planners commonly recommend a sequence for allocating limited retirement savings dollars: capture any employer 401(k) match first, then max out an HSA if eligible, followed by an IRA (Roth or traditional), and finally additional 401(k) contributions up to the annual limit. The framework helps savers with a fixed monthly or yearly budget decide where each dollar produces the most value.
An Entrepreneur op-ed argues that small business owners typically leave tax planning until December or April, missing chances to adjust course while the fiscal year is still open. It outlines four mid-year moves—setting owner salary deliberately, reviewing entity structure, coordinating retirement contributions, and using strategies like the qualified business income deduction and the Augusta Rule—that can meaningfully cut a founder's tax bill if done properly and documented.
A developer launched a free beta retirement simulator that tests a user's savings and withdrawal plan against actual historical market returns spanning 125 years and 25 countries, rather than relying on average statistical projections. Users can input portfolio value, withdrawal rate, and time horizon to get a quick estimate of whether their money will last, with a more detailed plan builder also available. Paid plans are expected to follow after the beta period.