In general, savings and retirement plans have been devastated by misguided policies. Stage one of any financial plan is to understand the environment we find ourselves in.
https://www.mauldineconomics.com/images/uploads/pdf/2013_09_03_2OTB.pdf

How To Approach Taxes in 2026
Taxes are likely the single largest expense you will face over your lifetime. And they influence nearly every major financial decision you make, from saving and investing to retirement and

