You’ll Spend Less On This in Retirement | Costco Shopping Secrets | Dow Jones Stocks Ranked

Nine Things You'll Spend Less on in Retirement | How Much Life Insurance Do You Need? | All 30 Dow Jones Stocks, Ranked Created for {EMAIL} | [Web Version]( July 21, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Youtube]( [Instagram]( [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [Nine Things You'll Spend Less on in Retirement]( [Nine Things You'll Spend Less on in Retirement]( (Getty Images) We often fret about not having enough cash in retirement. But you might be surprised to see some of the [things you’ll find yourself spending less on as you enjoy your golden years](. Consumer spending actually decreases — significantly — as you age, and these nine categories contribute to that decrease. [] Savings [] [How Much Life Insurance Do You Need?]( [How Much Life Insurance Do You Need?]( (Getty Images) The purpose of life insurance is to financially protect your loved ones after you pass away. Instead of relying on rules of thumb, you’re better off [taking a systematic approach to figuring your life insurance needs](, because the truth is, many factors influence how much you need. That’s easier than it sounds, as you’ll see from the following process. [Strategies to Help Maximize your Income in Retirement]( Spending your hard earned retirement money can be complicated--and it's important to make the right decisions that will help your savings last. Vanguard Personal Advisor is built to provide you an ongoing collaboration with our professional advisors -- so you can retire with the support you need. [LEARN MORE]( ADVERTISEMENT [] Personal Finance [] [All 30 Dow Jones Stocks, Ranked]( [All 30 Dow Jones Stocks, Ranked]( (Getty Images) More than half of the Dow Jones Industrial Average’s components are low-beta stocks. That means they tend to lag in up markets, but hold up better when everything is selling off. This low-beta skew can actually be quite advantageous to long-term investors. Here, Kiplinger senior investing writer Dan Burrows looks at [how each of the 30 stocks stack up](. [] Successful Retirement Planning [] [Seeking Citizenship in Another Country? There’s a Price For That]( [Seeking Citizenship in Another Country? There s a Price For That]( (Getty Images) The options for obtaining secondary citizenship have expanded significantly in recent decades, providing individuals and families with new opportunities for global mobility, economic security and legacy benefits. [Citizenship by investment (CBI) programs]( have been a large part of that growth, but will they keep growing? See what the options are now. [Earn up to $2,500]( Enjoy premium, international banking with priority services and global support, and no HSBC fees on everyday transactions. Live, work, and travel with HSBC Premier privileges & status around the world. [Learn More]( ADVERTISEMENT Featured Content Sponsored Content from Kiplinger Personal Finance Magazine [Build wealth. Cut taxes. Retire rich.]( Get a [FREE ISSUE]( of Kiplinger Personal Finance magazine, and save up to 74% to subscribe. Includes special issues such as Investing Outlook, Retirement Planning, Mutual Fund Roundup, and Guide to ETFs. Count on Kiplinger for trustworthy help to make more money, keep more of the money you make, and live a financially secure life. [CLICK HERE]( [] Personal finance [] [20 Secrets to Shopping at Costco]( Costco is raising its membership fees starting in September, but if you know where to look, you can make back that price increase in savings. See what Costco super-shoppers know best. [Read More]( [] Stocks [] [Look Out For These Reports This Week]( As the country breathlessly awaits signals from the Fed, it’s another big week for economic reports. Here’s what to look out for in this coming week. [Read More]( [Your IRA, made to order]( Choose where and when you want to retire, and a Betterment IRA can help make your money hustle all the way there. [Learn More]( ADVERTISEMENT ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:mailto:alerts@kiplinger.com) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036