Inflation and longevity are two challenges facing today's federal retirees. In this solo episode, Katelyn explains how rising costs and longer life expectancies can impact retirement income—and what federal employees can do now to prepare.
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The Fed15 Podcast | Ep. 160: Inflation in Retirement + Planning for a Longer Retirement
Katelyn discusses why protecting retirement savings isn't just about preserving principal, it's about preserving purchasing power. She explains how inflation can quietly reduce the value of retirement income over time, why relying too heavily on cash or the TSP G Fund may not keep pace with rising costs, and the importance of diversification, long-term planning, and avoiding emotional investment decisions.
She also explores why retirement planning needs to account for the possibility of living 25, 30, or even 35 years after leaving federal service. Katelyn covers the biggest risks of a longer retirement, including inflation, healthcare expenses, outliving savings, and survivor planning. She explains how FERS pensions, Social Security, FEHB, Medicare, and TSP withdrawals fit together over the long term, along with strategies for creating retirement income that can adapt throughout every stage of retirement.
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