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<h2 class="wp-block-heading h5"><a href="https://parade.com/living/hardest-year-of-retirement-is-the-third-year" target="_blank" rel="noreferrer noopener" class="broken_link"><strong>Psychology Says the Hardest Year of Retirement Isn’t the First—It’s the Third. Here’s Why | Parade</strong></a></h2>



<p class="wp-block-paragraph">When preparing for retirement, you might think the first year after leaving full-time employment will provide the biggest challenge as you adjust to your new lifestyle. However, it turns out many people have a lot of plans for year one, and it’s actually a couple years in that they begin to realize how much their life has changed. Here are some tips for making the adjustment a little easier.</p>



<h2 class="wp-block-heading h5"><strong><a href="https://www.pew.org/en/research-and-analysis/issue-briefs/2026/04/states-with-automated-retirement-savings-programs-see-growth-in-new-private-plans" target="_blank" rel="noreferrer noopener" class="broken_link">States With Auto</a></strong><a href="https://www.pew.org/en/research-and-analysis/issue-briefs/2026/04/states-with-automated-retirement-savings-programs-see-growth-in-new-private-plans" class="broken_link"><strong>mated Retirement Savings Programs See Growth in New Private Plans | Pew</strong></a></h2>



<p class="wp-block-paragraph">New research provides evidence that state-run retirement plans with automatic enrollment continue to encourage private-sector employers to offer plans of their own, expanding access to retirement savings. According to Pew, Colorado had the highest rate of new plan formation among states with so-called “auto-IRAs” in 2023, the first year of the Colorado SecureSavings program.</p>



<h2 class="wp-block-heading h5"><strong><a href="https://www.thinkadvisor.com/2026/04/17/new-bills-boost-caregivers-retirement-savings-options/" target="_blank" rel="noreferrer noopener" class="broken_link">New Bills Boost Ca</a></strong><a href="https://www.thinkadvisor.com/2026/04/17/new-bills-boost-caregivers-retirement-savings-options/" class="broken_link"><strong>regivers&#8217; Retirement Savings Options | ThinkAdvisor</strong></a></h2>



<p class="wp-block-paragraph">Two new bills under consideration in Congress aim to make it easier for caregivers to save money for retirement. If passed, the bills would remove some of the current limits on retirement plan contributions for people who leave the workforce to care for a loved one, particularly with regard to Roth IRA and catch-up contributions.</p>



<h2 class="wp-block-heading h5"><a href="https://mitsloan.mit.edu/ideas-made-to-matter/want-to-use-ai-to-plan-your-retirement-heres-how-to-proceed" target="_blank" rel="noreferrer noopener"><strong>Want to Use AI to Plan Your Retirement? Here’s How to Proceed | MIT Sloan School of Management</strong></a></h2>



<p class="wp-block-paragraph">People are increasingly turning to generative AI tools like ChatGPT for financial advice, including planning for retirement. Experts say AI is good at some aspects of financial planning and the technology is improving rapidly, but it’s important to use caution as AI still has its limits and isn’t bound by the same regulations as human advisers.</p>



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<p class="wp-block-paragraph"><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


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News You Should Know: Why the Third Year of Retirement is Often the Hardest