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Biggest Worry About Retiring? Running Out of Money

July 23, 2025 -- Almost two thirds of Americans have this understandable fear- that they will live longer than their money lasts. According to the Morningstar Center for Retirement & Policy Studies, 45% of Americans who retire at 65 have an increased risk of running out of retirement savings before they die. The basic problem is that most people haven't…...

Top Retirement Towns

Laguna Woods is home to one of the country's largest active adult communities - Laguna Woods Village - an age-restricted community. Its motto is Resort Living, California Style. It is located on 2,100 acres of rolling hillsides just minutes from the Laguna Beach coastline in Orange County. The community is comprised of 12,736 dwellings and is considered to be one…...
 
Chattanooga is a low-cost, interesting retirement city of about 182,000 (2020) people in southern Tennessee.This was the site of the famous critical civil war Battle of Chattanooga due to its strategic location on the Tennessee River.  Called the "Scenic City", it is home to the University of Tennessee at Chattanooga. The city has had its ups and downs economically. Its…...
 
 
Melbourne is a vigorous retirement community of 84,678 (2020 census ),  located mid-way down the east coast of Florida. Its redevelopment efforts have resulted in a revitalized and growing community. After the Civil War, Melbourne was founded by former slaves. The first school in Melbourne was built in 1883 and is now part of the Florida Tech campus. Many high-tech…...
 
Pensacola, population 54,310 (2020 census),  is a popular town for retirement and tourism in the western end of the Florida panhandle.  Its location on the Pensacola Bay gives it access to the emerald  green waters and sandy beaches of the Gulf of Mexico.  People often remember that as a historical note about Pensacola, flags of 5 different governments have flown…...
 
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