# Retire Plan

> Providing proven strategies to help you grow, protect, and diversify your retirement.

This file provides information about Retire Plan to help large language models understand and reference this publication's content.

## Posts
- [Your paid-off house might be costing you money](https://www.retireplan.com/p/your-paid-off-house-might-be-costing-you-money): Your home equity could be doing more for you than just sitting there.
- [The 4% rule is broken.](https://www.retireplan.com/p/the-4-rule-is-broken): A 1994 rule is still guiding 2026 retirement decisions. Here's what's changed.
- [Pension vs. lump sum: which one wins?](https://www.retireplan.com/p/pension-vs-lump-sum-which-one-wins): Most people pick wrong. Not because they're careless. Because the math isn't obvious.
- [The Medicare penalty for making too much money](https://www.retireplan.com/p/the-medicare-penalty-for-making-too-much-money): The surcharge tied to a tax return you filed two years ago.
- [The retirement product Wall Street doesn't talk about](https://www.retireplan.com/p/the-retirement-product-wall-street-doesn-t-talk-about): Why this isn't the annuity your uncle got burned by.
- [3 retirement moves before year-end](https://www.retireplan.com/p/3-retirement-moves-before-year-end): A five-minute check that catches the mistakes that cost the most.
- [Why $4,000/mo today won't be enough at 80](https://www.retireplan.com/p/why-4000-mo-today-wont-be-enough-at-80): The retirement plan looked fine on paper. Then these six things showed up.
- [Guaranteed income with zero market risk](https://www.retireplan.com/p/guaranteed-income-with-zero-market-risk): For most of the last decade, CDs were a punchline. That era is over.
- [The one document that overrides your will](https://www.retireplan.com/p/the-one-document-that-overrides-your-will): Most families find out too late that a will alone doesn't get the job done.
- [If an advisor promises this, hang up](https://www.retireplan.com/p/if-an-advisor-promises-this-hang-up): Any advisor who tells you not to mention this to your family is not working for you.
- [Stop overpaying on RMD Taxes](https://www.retireplan.com/p/stop-overpaying-on-rmd-taxes): No salary. No RMDs yet. This is the window most retirees don't know they're sitting inside.
- [Gold isn't a conspiracy theory. It's a hedge.](https://www.retireplan.com/p/gold-isnt-a-conspiracy-theory-it-s-a-hedge): Paper assets get repriced overnight. Hard assets don't. Here's how to use them.
- [Most retirees close this account too soon](https://www.retireplan.com/p/most-retirees-close-this-account-too-soon): Most retirees assume Medicare has them covered. The math tells a different story.
- [Inflation doesn't retire when you do](https://www.retireplan.com/p/inflation-doesn-t-retire-when-you-do): The dividend strategy that's been quietly outpacing inflation for decades.
- [The Social Security decision you can't take back](https://www.retireplan.com/p/the-social-security-decision-you-can-t-take-back): The 12-month window to undo it closes fast. Here's what you need to know first.
- [Your 401(k) is pretax. Your bills are not.](https://www.retireplan.com/p/your-401-k-is-pretax-your-bills-are-not): You saved diligently for 30 years. The IRS has been waiting patiently.
- [The $300k mistake retirees make in a crash](https://www.retireplan.com/p/the-300k-mistake-retirees-make-in-a-crash): The market bounces back. Your portfolio might not.
- [30 years of retirement. Is your money ready?](https://www.retireplan.com/p/30-years-of-retirement-is-your-money-ready): Most people plan their vacation better than their retirement income. Here's the fix.

## Pages
- [](https://www.retireplan.com/)
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## Authors
- [Donny Gamble](https://www.retireplan.com/authors/donny-gamble)
- [Retire Plan](https://www.retireplan.com/authors/retire-plan)
- [Garrett Goggin (via RetirePlan)](https://www.retireplan.com/authors/garrett-goggin-via-retireplan)
- [Whitney Tilson (via ReitrePlan)](https://www.retireplan.com/authors/whitney-tilson-via-reitreplan)
- [Rachel Gearhart (via RetirePlan)](https://www.retireplan.com/authors/rachel-gearhart-via-retireplan)
- [Porter Stansberry (via RetirePlan)](https://www.retireplan.com/authors/porter-stansberry-via-retireplan)

## Categories
- [Social Security](https://www.retireplan.com/t/Social Security)
- [Market Protection](https://www.retireplan.com/t/Market Protection)
- [Retirement Income](https://www.retireplan.com/t/Retirement Income)
- [Risk Management](https://www.retireplan.com/t/Risk Management)
- [Healthcare](https://www.retireplan.com/t/Healthcare)
- [Taxes](https://www.retireplan.com/t/Taxes)