
Lifestyle
How to Plan for Retirement

(Family Features) Being financially secure in retirement starts while you’re still working. Because you likely don’t want to remain in the workforce forever, creating a plan can help ensure you’re confident in living comfortably in retirement when the time comes.
Retirement plans and financial aspirations are deeply personal and often tied to family life, ambitions and values, meaning it’s entirely up to you when to start planning and saving for your post-work years. However, the worrying reality is that many households across the U.S. don’t feel in control of their finances. According to a study from World Financial Group, 11% of households have “forfeited contributions to their retirement accounts,” a decision that will have an impact later in life.
To ensure you’re prepared, consider these steps to plan for retirement.
Understand When You Can Retire and How Much Money You Will Need
Because nearly everyone has different goals for retirement, there’s no one-size-fits-all approach to when and how much money you’ll need to stop working. Assess your unique situation – including all your forms of income, assets and savings – and calculate what you’ll need to maintain your standard of living and cover expenses, including any discretionary spending, in retirement.
Choose an Appropriate Retirement Plan for Your Needs
In addition to figuring out how much you should save, having the right savings vehicle is an important consideration. A good place to start is an employer-sponsored retirement plan with fund-matching, such as a 401(k). If a workplace retirement plan is not available, consider setting aside money for retirement through an IRA that provides access to a range of investments, including stocks, bonds and mutual funds. Some insurance products may also provide benefits during retirement, such as life insurance coverage, supplemental income and tax advantages.
Take Stock of Your Current Assets
Your current assets include more than just what’s in your bank account. Beyond your paycheck, factor in real estate, investment accounts and any insurance policies you may have. If you need help understanding your finances, take a financial literacy quiz to test your knowledge and then consider meeting with a financial services expert.
Create a Retirement Budget and Look at Ways to Reduce Expenses
Your retirement budget should look similar to yours while still part of the workforce. Start by accounting for how much money is coming in and how much is going out toward fixed expenses like utilities, cellphone bills, insurance premiums, rent or mortgage and vehicle payments then track other expenses like groceries, gasoline and other spending toward non-essentials like entertainment and clothing. From there, look for ways to cut expenses to stretch your funds further, such as canceling a streaming service, dining out less or skipping a new movie release.
Account for Unexpected Expenses
Before retirement, consider how you’d handle unexpected expenses such as a medical emergency, home or vehicle repair or moving into an assisted living facility. Suppose you don’t have the appropriate health and homeowner’s insurance coverage. In that case, you may be covering those costs out-of-pocket, which could limit or hinder your financial flexibility on a fixed income.
Test your literacy and find additional resources to plan for retirement at WorldFinancialGroup.com.
Photo courtesy of iStock
SOURCE:
World Financial Group
Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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Lifestyle
Easy Pet Wellness Routine: 5 Healthy Habits for Dogs and Cats Without the Fuss
Build a simple, effective pet wellness routine with 5 easy habits. Learn how to support your dog or cat’s health through tailored nutrition, functional supplements, exercise, mental enrichment, and stress-reducing environments—without overwhelming your schedule.
Last Updated on January 9, 2026 by Daily News Staff

Easy Pet Wellness Routine: 5 Healthy Habits for Dogs and Cats Without the Fuss
(Family Features) Pets are more than companions – they’re family – and keeping them healthy can be simple, enjoyable and rewarding. Today’s pet parents may be busier than ever, yet they’re also more committed to wellness than previous generations. That means approaching their furry friends’ unique needs with the same balance, care and attention to overall well-being as they do their own. In fact, according to the 2021 Human Animal Bond Research Institute Benchmark Survey of Pet Owners, increased knowledge about the health benefits of the human-animal bond led 91% of pet owners to say they would be more likely to take better care of their pets. Pet health isn’t just about food, however. A holistic approach to wellness combines daily supplements, dental care, exercise, mental enrichment and proactive health, with many owners looking for ways to simplify routines to support their pets every day. These practical ideas can help support a pet’s overall wellness routine.
Tailor Flexible Nutrition Plans to Pets’ Needs Every pet is unique, but balanced nutrition forms the foundation of wellness. Dog and cat parents are increasingly seeking customizable food and supplement solutions designed around their furry friend’s age, needs and lifestyle. Age-specific formulations and products featuring natural, minimally processed ingredients and eco-friendly sourcing allow owners to support their pets’ overall health, from mealtime to daily wellness routines. Support Healthy Skin and Coat A pet’s coat often reflects its overall health. Along with a balanced diet and plenty of water, adding a daily supplement can help support a natural shine. While professional grooming keeps dogs and cats looking their best, incorporating regular at-home brushing and bathing with a gentle shampoo strengthens the bond you share and provides an opportunity to spot any changes, like lumps or bumps. Enhance Pet Wellness with Functional Support Even with a balanced diet, many pets may benefit from extra support to maintain their overall well-being. Functional supplements can help target specific needs, including joint mobility, immunity and stress relief. For example, NaturVet’s easy-to-use Lickable supplements – available in Hip & Joint, Calming and Multi-Vitamin formulas for dogs and cats – offer a simple way to make wellness an effortless part of everyday life. Promote Exercise and Mental Enrichment Movement is essential to any wellness routine. Regular walks, agility activities and games help keep pets fit and happy. Physical exercise is only part of the puzzle, though. Interactive toys, puzzle feeders, scent games and agility training help dogs and cats stay mentally sharp, even on days when outdoor activity is limited. Create a Calming Home Environment Dogs and cats can experience stress when routines aren’t followed, just like people. Maintaining a consistent daily schedule and providing a quiet, comfortable space – such as a bed in a low-traffic area – can help promote calm, comfort and security. By taking a few simple, consistent steps each day, pet parents can create a balanced, enjoyable wellness routine that keeps their furry family members healthy, happy and thriving. From functional supplements and daily care habits to exercise, mental enrichment and a calming environment, small efforts can make a big difference, turning everyday care into a rewarding part of life with your pet. To find more practical health and wellness solutions for your pet, visit naturvet.com. 5 Easy Steps to Help Pet Owners Build Healthy Habits Creating a consistent health and wellness routine doesn’t have to be complicated. Consider these simple steps:- Start slow. Introduce new supplements or activities gradually to avoid overwhelming pets.
- Be aware. Review product labels and ingredient certifications to ensure they are safe and appropriate for your pet.
- Incorporate naturally. Mix functional supplements into meals or use them as a reward for good behavior.
- Stay consistent. Small daily actions can add up to long-term health and wellness.
- Monitor and adjust. Work with a veterinarian to create a tailored plan and observe your pet’s energy, mobility and mood, adjusting as needed.
Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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Lifestyle
How to reduce gift-giving stress with your kids – a child psychologist’s tips for making magic and avoiding tears
Reduce gift-giving stress with kids: A child psychologist shares practical rules for stress-free gift giving with kids—how many gifts to give, what holds attention, and how to avoid holiday tears.
Last Updated on January 9, 2026 by Daily News Staff

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Lifestyle
Finding Your Rhythm Again: Reestablishing Routines in the New Year
Routines in the New Year: After weeks of excitement, travel and inconsistent schedules, the transition back to structure can feel daunting. However, with a thoughtful approach, parents can help their children ease back into their daily rhythms, and in the process, restore calm for the entire family.

Finding Your Rhythm Again: Reestablishing Routines in the New Year
(Family Features) The holiday season is special, fun and often a bit chaotic, filled with family gatherings and joyful celebrations. Once the decorations come down and chaos subsides in the new year, many families face a familiar challenge: getting children back into their regular routines. After weeks of excitement, travel and inconsistent schedules, the transition back to structure can feel daunting. However, with a thoughtful approach, parents can help their children ease back into their daily rhythms, and in the process, restore calm for the entire family. Dr. Lauren Loquasto, senior vice president and chief academic officer at The Goddard School, provides this insight and guidance for parents. Understand Why Routines Matter Children thrive on predictability. Routines provide a sense of security, reduce stress and support emotional regulation. Children feel safe, even proud, when they know what comes next. Routines also help them develop independence and self-control. After the holidays, reestablishing these patterns is essential for a smooth return to school and everyday life.
Start with Sleep For young children, sleep is the foundation of a successful routine. Consistent sleep supports focus, tolerance and cooperation. For optimal brain repair and growth, preschoolers typically need 10-13 hours of sleep per night, but seasonal festivities can disrupt sleep schedules, frequently leaving children overly tired. Begin by gradually adjusting bedtime by moving it earlier in 15-minute increments each night until you resume your regular schedule. Pair this with calming pre-bedtime rituals like reading or quiet play to signal it’s time to wind down. The morning routine is equally important. Strive for consistent wake-up times, even on the weekends. If your child is resistant, teach them how their sleep routine helps their body and mind. For example: “Your body relaxes and grows stronger when you get enough sleep, so you feel good afterward.” Reintroduce Standard Mealtimes Holiday snacking and large meals at family gatherings can disrupt normal eating habits. Reinstate regular meal and snack times to help your child feel grounded. Offer balanced options and involve them in planning or preparing meals, as they’re more likely to embrace healthy choices when they have a role in the process. Prioritize Physical Activity After extended periods of lounging indoors – and likely an overdose of screen time – children need movement to burn energy and boost their moods. Coordinate outdoor play and family walks. If the weather isn’t cooperative, move around indoors with hide-and-seek and dance sessions. Physical activity not only supports health but also helps regulate sleep and behavior. Strategically Provide Choices When children have a voice, they are more likely to stay engaged and stick to their routines. As your child settles back into familiar patterns, this is an ideal moment to assess where you can ease your grip just enough to support their growing autonomy. This doesn’t mean relinquishing full decision-making power; rather, it’s about offering structured, intentional choices that help them feel a sense of control over their day. You know your child best, so you can determine when to be flexible. For example, it may not matter if they change into their pajamas right after dinner or just before bed but shifting when they go to the bathroom could completely disrupt their routine and, in turn, your day. Model Behavior Children learn by example and they are always watching their parents. If you reestablish and consistently maintain your own routines – healthy meals, quality sleep and physical activity among them – your child is more likely to follow suit. Make it a family effort rather than a set of rules imposed on them, and make it fun. To help routines stick, consider sticker charts to track progress and incentivize independence and accountability. Resetting routines isn’t about perfection; it’s about creating a supportive environment where children feel secure and prepared for what’s ahead. With patience, consistency and a positive attitude, you can help your child start the new year on the right foot. For more parenting guidance and insights, including a blog and webinar series, visit the Parent Resource Center at GoddardSchool.com. Photos courtesy of Shutterstock Discover more from Daily News
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