Retirement Planning for Singles (as reported by Emily Guy Birken on

In the United States today, it is far more common for adults to be single than it used to be. Marriage rates have been steadily dropping over the last 50 years. But most financial advice still assumes adults are married.

Writing for Wise Bread, Emily Guy Birken tells us what changes for retirement planning when you are unmarried. The first thing that changes is the need for adequate disability insurance goes up. When you are relying on only one income, the impact of not being able to work for one reason or another will be greater. Even if you have some level of disability insurance through your employer, it may not be enough.

For the rest of the impacts of being single on retirement planning, read her full article here.

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