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Is $10k/Month Enough for Retirement?
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The most expensive housing markets in the US right now. Plus, what the September jobs report shows. Created for you@example.com | Web Version October 4, 2026 FOLLOW US: SIGN UP ⋅ WEBSITE Featured (Getty Images) Can You Live on $10,000 a Month in Retirement? A $10,000 monthly budget sounds like a dream for most people, especially during retirement. According to most Americans, even $5,000 a month seems reasonable. However, when you factor in taxes, fees and healthcare costs, suddenly $10,000 looks like a lot less. Read More ADVERTISEMENT Healthcare Is a Financial Essential Healthcare is one of the largest household expenses, yet many families don't include it in their financial plans. During Open Enrollment, learn how understanding your benefits, coverage options and potential costs can help you avoid surprises and strengthen long-term financial well-being. Learn more Retirement Middle-Class Earners Into Millionaires? You don't need a massive salary or a flashy lifestyle to build a seven-figure net worth. These three habits can help ordinary earners steadily accumulate wealth over time. Start Saving NEXT READ: 3 Money Habits of the Ultra-Rich That Anyone Can Follow In Case You Missed It (Getty Images) What a Cooler-Than-Expected September Jobs Report Means for the Fed With unemployment holding at 4.1%, September's cooler jobs report offers fresh clues for the Fed. See what the numbers reveal and how they could shape the central bank's next move in October. Learn More Home Insurance The 15 Most Expensive Housing Markets in the US Buying a home isn't getting any cheaper, national prices have climbed 1.9% compared to last year. But depending on where you're looking, local price hikes can be far steeper. Planning a move? You might want to steer clear of these high-cost markets. Check Your Location NEXT READ: Capital Gains Tax on Real Estate and Home Sales ADVERTISEMENT Ask a Pro: "I'm 65 With $1.1 Million in My 401(k) and IRA and a $2,800 Social Security Check. What's My Retirement Budget?" Even a well-funded portfolio can face challenges if withdrawals, taxes and spending aren't carefully coordinated. A fiduciary advisor can help you build a tax-aware retirement budget that acounts for these factors. Find and compare vetted fiduciary advisors serving your area. Take matching quiz Special Offer from Kiplinger Personal Finance Build wealth. Cut taxes. Retire rich. Get a FREE ISSUE of Kiplinger Personal Finance magazine, and save up to 77% 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 build wealth, spend wisely, cut taxes, and retire rich. CLICK HERE Corporate Earnings (Getty Images) Health Insurance Executive, 54, Arizona "I would tell my younger self to continue with your plan, but take a few more moments to let loose and create more experiences." Read Full Story Games & Quizzes These Credit Cards Have Some of the Biggest Welcome Bonuses Right Now With credit card bonuses, you can make banks pay for your business. Here are a few of the top sign-up deals. Get Your Card ADVERTISEMENT Maximize Your Savings, Minimize Your Taxes Planning ahead can help your savings last longer and reduce your tax burden. Our advisors can guide you toward strategies that save time and help your money work harder. Paid non-client promotion LEARN MORE MORE FROM KIPLINGER Don't miss our other free newsletters on everything from shopping and saving, to investing, taxes, retirement and more. Plus, get a free issue of Kiplinger Personal Finance magazine in our app. No download required! Visit the Kiplinger Store for money-saving offers to help you build wealth, cut taxes, and retire rich. And check out our corporate subscription rates for businesses and organizations. Follow Kiplinger Contact Us: Feedback | Advertise Sign Up | Print Publications | Unsubscribe Privacy Policy | Cookies