Retirement accounts aren't one-size-fits-all, and picking the wrong one can cost you real money in taxes and fees. In this module, you'll compare employer plans against IRAs, weigh Roth against Traditional tax treatment, and choose the retirement account structure that fits your work situation.

Staring down "save enough for retirement" as one giant, distant number can freeze you before you even start. In this module, you'll build a personal savings target using small, incremental goals and age-based benchmarks so you can tell exactly where you stand.

Your retirement portfolio does the real work of turning your contributions into a nest egg, but only if it's built with the right mix of assets. In this module, you'll compare stocks and bonds, apply diversification principles using mutual funds, and evaluate target date funds as a hands-off investing option.

Changing jobs doesn't have to mean losing track of your retirement savings, and a financial emergency doesn't have to mean derailing your future. In this module, you'll evaluate your options for rolling over an old retirement account and navigate the rules around loans and early withdrawals so you can access funds responsibly when you truly need to.

Your savings only become useful once you turn them into income you can actually live on. In this module, you'll estimate a sustainable withdrawal rate, determine what Social Security is likely to provide, and evaluate how a pension fits into your overall retirement income picture.

You've covered a lot of ground: readiness, accounts, savings targets, investing, accessing funds, and income planning. In this module, you'll pull those pieces together into a specific, personal commitment to move your retirement plan forward.