
<p>Retirement insights from a Colorado PERA perspective</p>



<p></p>


A distant view shows a mountainous landscape with sloping peaks, green trees in the foreground, and a cloudy sky above.


<p class="has-medium-font-size"><a href="https://coloradosun.com/2026/04/01/colorado-budget-draft-billion-shortfall-2026/" target="_blank" rel="noreferrer noopener"><strong>Lawmakers Finish Drafting Colorado’s Budget with Final Round of Major Cuts to Address Roughly $1.5 Billion Shortfall | The Colorado Sun</strong></a></p>



<p>State lawmakers are working on finalizing the fiscal year 2026-2027 budget after months of work to identify approximately $1.5 billion in spending cuts. Medicaid costs account for a large portion of state spending and were also a major focus of budget cuts. Once the Legislature approves a budget, it will go to Governor Jared Polis for action.</p>



<p class="has-medium-font-size"><a href="https://files.constantcontact.com/363ae74e201/e377eac1-5b13-469c-9826-ad4a987045b0.pdf?rdr=true" target="_blank" rel="noreferrer noopener"><strong>The Hazards of Mandating Social Security for the Public Sector (PDF) | Coalition to Preserve Retirement Security</strong></a></p>



<p>Like many public employees across the country, most PERA members do not participate in Social Security for their retirement or survivor and disability benefits. There are sometimes calls to mandate Social Security for all public employees, but a new report highlights the significant added costs and other issues that could arise from requiring participation.</p>



<p class="has-medium-font-size"><a href="https://www.usatoday.com/story/money/2026/04/04/retirement-age-in-america-social-security-medicare/89439716007/" target="_blank" rel="noreferrer noopener"><strong>What’s the Real Retirement Age in America? Here are 4 Guesses | USA Today</strong></a></p>



<p>When do American workers actually retire? It can vary widely based on personal circumstances, but according to some research, the average retirement age has been inching upward over the past several decades.</p>



<p class="has-medium-font-size"><a href="https://www.nerdwallet.com/finance/learn/financial-literacy-quiz" target="_blank" rel="noreferrer noopener"><strong>Financial Literacy Quiz: How Much Do You Know About Money? | NerdWallet</strong></a></p>



<p>April is Financial Literacy Month, which provides a great opportunity to test your own knowledge about money. This quiz from NerdWallet covers the basics on topics such as taxes, saving, and debt.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: Colorado Lawmakers Finalizing State Budget


<p class="has-medium-font-size"><a href="https://www.planadviser.com/more-states-require-personal-finance-courses-as-financial-literacy-declines/" target="_blank" rel="noreferrer noopener" class="broken_link"><strong>More States Require Personal Finance Courses as Financial Literacy Lags | Planadviser</strong></a></p>



<p>There’s been a trend in recent years of states passing legislation requiring personal finance education for high school graduation. As of the end of 2025, 39 states—including Colorado—now have a statewide financial literacy requirement in place.</p>



<p class="has-medium-font-size"><a href="https://www.axios.com/2026/03/04/401k-retirement-plan-withdrawal-vanguard" target="_blank" rel="noreferrer noopener" class="broken_link"><strong>401(k) Hardship Withdrawals Hit Record High — But Investments Still Up | Axios</strong></a></p>



<p>The number of American workers requesting hardship withdrawals from their 401(k) accounts hit a new high last year, according to a report from Vanguard. The increase in withdrawals could be due to increased financial pressure as well as legislation that made it easier to withdraw money. At the same time, a separate report found account balances were up in 2025.</p>



<p class="has-medium-font-size"><a href="https://crr.bc.edu/trump-accounts-a-primer-for-parents/" target="_blank" rel="noreferrer noopener"><strong>Trump Accounts: A Primer for Parents | Center for Retirement Research</strong></a></p>



<p>Beginning later this year, parents will be able to open so-called “Trump accounts” to jumpstart their children’s savings. The accounts come with a $1,000 starting contribution, and like other savings accounts, they also come with a number of rules and regulations around who can open an account, who can contribute and how much, and when distributions are allowed.</p>



<p class="has-medium-font-size"><a href="https://www.asppa-net.org/news/2026/3/the-unappreciated-and-underused-savers-credit/" target="_blank" rel="noreferrer noopener"><strong>The Unappreciated and Underused Saver’s Credit | American Society of Pension Professionals &amp; Actuaries</strong></a></p>



<p>Many workers are unaware of the Saver’s Credit, which allows eligible individuals to receive a tax credit for a portion of their contributions to an employer-sponsored retirement plan. The maximum credit is $1,000 for individuals ($2,000 for married couples filing jointly) and workers must meet income requirements in order to claim the credit.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: 39 States Now Require Personal Finance Education


<p class="has-medium-font-size"><a href="https://www.intuit.com/blog/global-stories/financial-literacy-ranking-by-state/" target="_blank" rel="noreferrer noopener"><strong>Financial Literacy by State: 2025 Rankings | Intuit</strong></a></p>



<p>A new ranking puts Colorado in the middle of the pack when it comes to financial literacy among high schoolers. Intuit ranked states on factors such as required coursework, test scores, and youth employment rate, giving Colorado a score of 9.3 out of 18 possible points. It’s worth noting a new state law will require all Colorado high school students to take a financial literacy course in order to graduate.</p>



<p class="has-medium-font-size"><a href="https://www.cbsnews.com/colorado/news/colorado-teetering-recession-governors-budgeting-office/" target="_blank" rel="noreferrer noopener"><strong>Colorado is Teetering on the Edge of a Recession, Governor&#8217;s Planning, Budgeting Director Says | CBS Colorado</strong></a></p>



<p>State lawmakers will have to deal with yet another budget shortfall during next year’s legislative session. The latest forecasts show the state will once again have to cut hundreds of millions of dollars in spending, driven largely by increases in Medicaid costs. Lawmakers will get their next quarterly update in December, and the legislative session begins in January.</p>



<p class="has-medium-font-size"><a href="https://www.cnbc.com/2025/09/17/federal-social-security-payments-electronic.html" target="_blank" rel="noreferrer noopener"><strong>Social Security payments, federal benefits go electronic Sept. 30 | CNBC</strong></a></p>



<p>Say “goodbye” to paper checks from the federal government. If you receive Social Security benefits, you’ll now have to be signed up for direct deposit to receive your benefit payments. The shift away from paper checks is intended to cut down on fraud while also saving the government money. The change will also apply to tax refunds and other federal payments going forward.</p>



<p class="has-medium-font-size"><a href="https://money.com/taxes-in-retirement/" target="_blank" rel="noreferrer noopener"><strong>You’re Retiring. Get Ready for These Tax Changes | Money</strong></a></p>



<p>Retirement is more than just a change in employment—it also brings some important changes to your finances. Here are some important tax considerations to keep in mind if you’re approaching retirement and are expecting to draw from Social Security and other savings.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: New Report Ranks Colorado on Financial Literacy


<p class="has-medium-font-size"><a href="https://www.aspentimes.com/news/colorado-legislature-votes-to-add-financial-literacy-to-list-of-high-school-graduation-requirements/" target="_blank" rel="noreferrer noopener"><strong>Colorado Legislature Votes to Add Financial Literacy to List of High School Graduation Requirements | The Aspen Times</strong></a></p>



<p>Students in all of Colorado’s public school districts may soon be required to take a course in financial literacy to graduate from high school. House Bill 1192, which passed the Legislature, also directs school districts to provide students with help filling out financial aid forms. If signed into law, the bill takes effect for students starting high school in 2026 and later.</p>



<p class="has-medium-font-size"><a href="https://www.newsnationnow.com/business/your-money/social-security-fairness-act-increase-missing/" target="_blank" rel="noreferrer noopener"><strong>Social Security Benefit Increase Missing? Here&#8217;s What to Do | NewsNation</strong></a></p>



<p>Many retirees who were previously affected by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO) have received their new Social Security benefit payments and any applicable retroactive payments by now. However, officials said some more complicated cases would need manual processing and would take additional time. Here’s the latest on where things stand.</p>



<p class="has-medium-font-size"><a href="https://www.napa-net.org/news/2025/4/hickenlooper-reintroduces-federally-run-retirement-plan-bill/?utm_source=MagnetMail&amp;utm_medium=email&amp;utm_term=ksevits%40copera%2Eorg&amp;utm_content=COM%5FNAPA%5FeNews%5F05%2E02%2E2025%5FDaily%5FFri&amp;utm_campaign=Hickenlooper%20Reintroduces%20Federally%20Run%20Retirement%20Plan%20Bill" target="_blank" rel="noreferrer noopener"><strong>Hickenlooper Reintroduces Federally Run Retirement Plan Bill | National Association of Plan Advisors</strong></a></p>



<p>Sen. John Hickenlooper (D-CO) has reintroduced a bill that would create a federally run retirement plan to cover private-sector workers who aren’t covered through their employer. Supporters say the bill would improve the retirement security of lower-income workers, but the bill has faced opposition in the past from those who argue a federal plan would crowd out existing employer-based retirement plans.</p>



<p class="has-medium-font-size"><a href="https://finance.yahoo.com/news/20-most-searched-financial-terms-150116759.html" target="_blank" rel="noreferrer noopener"><strong>20 Most Searched Financial Terms in the US | GoBankingRates via Yahoo! Finance</strong></a></p>



<p>When it comes to assessing what Americans know about money and what they don’t, you can learn a lot from online searches. A new study looked at which financial words and phrases people search Google for the most, and the results show a wide range of terms such as interest rates, capital, and equity. Here are the most-searched terms and explanations of what they mean.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: Financial Literacy Bill Passes Colorado Legislature


<h2 class="wp-block-heading has-medium-font-size"><a href="https://www.healthcaredive.com/news/medicare-telehealth-flexibilities-extended-six-months/742721/" target="_blank" rel="noreferrer noopener">Congress Extends Medicare Telehealth Flexibilities for 6 Months | Healthcare Dive</a></h2>



<p>Lawmakers in Congress passed a temporary extension for rules allowing more flexibility in telehealth coverage under traditional Medicare. The pandemic-era rules, which allow more people to receive care at home, now apply through the end of September. PERACare’s Medicare Advantage plans offer virtual doctor visits with no copay.</p>



<h2 class="wp-block-heading has-medium-font-size"><a href="https://knowledge.wharton.upenn.edu/article/how-to-teach-your-child-about-financial-literacy/" target="_blank" rel="noreferrer noopener">How to Teach Your Child About Financial Literacy | Knowledge at Wharton</a></h2>



<p>April is national financial literacy month, and a surprisingly large share of American adults struggle to correctly answer basic questions about personal finance. It can help to start young, and in this article, a co-creator of the “big three” financial literacy test offers tips for teaching children about money.</p>



<h2 class="wp-block-heading has-medium-font-size"><a href="https://www.kiplinger.com/retirement/happy-retirement/the-rule-of-1-000-hours-in-retirement" target="_blank" rel="noreferrer noopener">The Rule of 1,000 Hours in Retirement | Kiplinger</a></h2>



<p>How much free time will you have in retirement? Not all time is equal, and experts say when you subtract low-effort leisure activities like watching TV or casually socializing, most people only have about 1,000 hours left each year (or just a few hours a day) for hobbies, travel, and other enjoyable activities. How you spend your time in retirement is just as important as how you spend your money, so here are some tips for making good use of those 1,000 hours.</p>



<h2 class="wp-block-heading has-medium-font-size"><a href="https://www.marketwatch.com/story/as-a-72-trillion-great-wealth-transfer-is-set-to-begin-here-are-4-estate-planning-rules-to-follow-19e637be" target="_blank" rel="noreferrer noopener">As a $72 trillion ‘Great Wealth Transfer’ is Set to Begin, Here are 4 Estate-Planning Rules to Follow | MarketWatch</a></h2>



<p>In the coming years, older generations are expected to pass down trillions of dollars to their children and grandchildren in a societal shift known as the “great wealth transfer.” Experts say planning is key to making sure that transfer goes well—and some simple steps now can help your loved ones avoid confusion down the road.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: Congress Extends Telehealth Rules for Medicare


<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.cpr.org/2025/02/12/financial-literacy-high-school-graduation-requirement-bill/" target="_blank" rel="noreferrer noopener" class="broken_link">Bill Would Require Colorado Students Take One Semester of Financial Literacy to Graduate | Colorado Public Radio</a></h2>



<p>State lawmakers are considering a bill that would require financial education for high school students. Currently, only about a quarter of the state’s school districts require personal finance education. This bill would expand that to all districts in the state, with students being required to complete one semester of financial literacy in order to graduate.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.newsweek.com/republican-pressures-trump-official-fast-track-social-security-payments-2030309" target="_blank" rel="noreferrer noopener">Lawmaker Pressures Officials to Fast Track Social Security Payments | Newsweek</a></h2>



<p>After the Social Security Administration (SSA) said it could take a year or more to implement the Social Security Fairness Act, at least one member of Congress is urging officials to find ways to speed up the process. Rep. Clay Higgins (R-LA) sent a letter to the acting SSA commissioner calling the current timeline “unacceptable.” The agency says it is dealing with a shortage of staff and funding as it works to implement the new law.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.denverpost.com/2025/02/18/colorado-tax-returns-filing-department-revenue-delay/" target="_blank" rel="noreferrer noopener">Colorado Tax Return Delay: State to Begin Processing Individual Returns | The Denver Post</a></h2>



<p>The Colorado Department of Revenue says it will begin processing tax returns this week following a delay. A spokesperson said the department had to delay accepting returns in order to implement a number of significant changes to tax law.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.cnbc.com/2025/02/11/fed-chair-powell-says-central-bank-doesnt-need-to-be-in-a-hurry-to-lower-interest-rates-further.html" target="_blank" rel="noreferrer noopener">Fed Chair Powell Says Central Bank Doesn&#8217;t &#8216;Need to be in a Hurry&#8217; to Lower Interest Rates Further | CNBC</a></h2>



<p>In testimony before the Senate Banking Committee, Federal Reserve Chair Jerome Powell told lawmakers the economy and job market are doing well and inflation remains above the Fed’s target of 2%. Because of those factors, he said he’s not in any hurry to lower interest rates further, as doing so too quickly could send inflation rising again.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: Bill Would Require Financial Literacy Course for Colorado Students


<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.theguardian.com/business/2025/feb/04/sovereign-wealth-funds-donald-trump-what-is-it-why" target="_blank" rel="noreferrer noopener">What is a Sovereign Wealth Fund and Why is Trump Creating One Now? | The Guardian</a></h2>



<p>President Donald Trump signed an executive order directing the Treasury and Commerce Departments to create a sovereign wealth fund. Common in oil-rich countries like Norway and Saudia Arabia, sovereign wealth funds often serve as a national pool into which countries can invest surplus funds for the greater good.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.aarp.org/retirement/social-security/info-2025/survey-raising-taxes.html" target="_blank" rel="noreferrer noopener">Survey Finds Support for Raising Taxes for Social Security | AARP</a></h2>



<p>The country may be sharply divided politically, but Americans can agree on the value of Social Security. In a new survey from AARP and the National Academy of Social Insurance, 85% of respondents said Social Security benefits should be maintained or increased, even if that means paying higher taxes. That support is consistent across party lines, with strong majorities of Republicans, Democrats, and independents all supporting increasing revenue.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://fortune.com/article/personal-finance-classes-are-popular/" target="_blank" rel="noreferrer noopener">Personal Finance Classes are the New Hotness on Campus | Fortune</a></h2>



<p>In school districts around the country, there’s a growing emphasis on the importance of teaching financial literacy, and that trend continues into college. In fact, students are so eager to sign up for personal finance classes that some colleges and universities have waitlists for those courses.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.mcknightsseniorliving.com/news/public-health-worker-shortage-could-mean-challenges-long-term-care-providers/" target="_blank" rel="noreferrer noopener">Public Health Worker Shortage Could Mean Challenges For Long-Term Care Providers | McKnights Senior Living</a></h2>



<p>A new report from the U.S. Government Accountability Office found there’s a significant gap between the number of public health workers needed around the country and actual staffing levels. The report said public health emergencies such as the COVID-19 pandemic exacerbated the issue, but the Department of Health and Human Services has taken some steps to address the shortage.</p>



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<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: Trump Moves to Establish U.S. Sovereign Wealth Fund


<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://coloradosun.com/2024/12/10/colorado-economic-forecast-2025/" target="_blank" rel="noreferrer noopener">Colorado Experts Predict What the Economy Will Look Like in 2025 | The Colorado Sun</a></h2>



<p>Every year, local experts have the difficult task of taking stock of the state economy and predicting what a new year will bring. For 2025, experts say the state’s population continues to grow, albeit slower than in years past. And that slower growth rate could have a ripple effect on the job market as employers struggle to find enough employees to fill open positions.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.irs.gov/newsroom/irs-urges-many-retirees-to-make-required-withdrawals-from-retirement-plans-by-year-end-deadline" target="_blank" rel="noreferrer noopener">IRS Urges Many Retirees to Make Required Withdrawals by Year-End Deadline | Internal Revenue Service</a></h2>



<p>If you’re retired and you have savings in a defined contribution plan like a 401(k), 457, or IRA, you’re likely required to make minimum required distributions (RMDs) by the end of each year. The IRS sent out a notice reminding retirees of the deadline and new rules enacted under the SECURE 2.0 Act.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.kiplinger.com/personal-finance/quiz-test-your-financial-literacy" target="_blank" rel="noreferrer noopener">Quiz: Test Your Financial Literacy | Kiplinger</a></h2>



<p>How would you rate your financial literacy? Believe it or not, three simple questions can help you gauge your literacy. If you can correctly answer all three multiple-choice questions, you’re doing better than over half of all Americans.</p>



<h2 style="color:#000000;" class="wp-block-heading has-black-color has-text-color has-medium-font-size"><a href="https://www.usatoday.com/story/money/personalfinance/real-estate/2024/12/10/how-america-can-age-in-plaec/76826197007/" target="_blank" rel="noreferrer noopener">Baby Boomers Are Aging, and Most Want to Stay at Home Forever | USA Today</a></h2>



<p>A recently released survey from AARP finds that an overwhelming majority of Americans say they want to stay in their homes and their local communities while they age, but many are unsure they’ll be able to do so. Half of the survey’s respondents said they were not confident their current living situation will meet their needs in the future, and over half of that group said they expect to move.</p>



<p><em>News You Should Know is a digest of news from publications around the nation about finance, investing, and retirement.</em></p>


News You Should Know: How Will Colorado’s Economy Fare in 2025?


<p>April 2021 is Financial Literacy Month. Now in its eighteenth year, the month has kept its focus on the original goal, as stated in the original 2004 Senate Resolution: </p>



<blockquote class="wp-block-quote">
<p>“to raise public awareness about the importance of financial education in the United States and the serious consequences associated with a lack of understanding about personal finances.”</p>
</blockquote>



<p>President Biden has also proclaimed April to be National Financial Capability month, saying: </p>



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<p>“High-quality financial education should build on and respond to people’s individual strengths, circumstances, and needs in order to help them work toward their own unique goals.”</p>
</blockquote>



<h2 class="wp-block-heading">What is “Financial Literacy”?</h2>



<p>There is no single measure for financial literacy. Google “financial literacy quiz”, and you could spend an entire day taking tests. </p>



<p>For example, the National Financial Educators Council has created a half-dozen quizzes that ask general awareness questions on a wide array of topics (including <a href="https://www.financialeducatorscouncil.org/national-financial-capability-test/" target="_blank" rel="noreferrer noopener">standard</a> and <a href="https://www.financialeducatorscouncil.org/advanced-financial-education-test/" target="_blank" rel="noreferrer noopener">advanced</a> versions).</p>



<p>About 59% of more than <a href="https://www.financialeducatorscouncil.org/national-financial-literacy-test/" target="_blank" rel="noreferrer noopener">60,000 test-takers</a> passed the standard test referenced above, and the average score was 68%.</p>



<p>But what makes a particular personal finance topic relevant — paying off debt, owning a home, planning for retirement, and more — depends on the circumstances each person faces and the tools they have at their disposal. These, of course, can vary.</p>



<p>So, while quizzes like these are a fun way to gauge general awareness about financial topics, they aren&#8217;t the best measure of literacy on an individual basis. What, then, does it mean to be “literate?”</p>



<h2 class="wp-block-heading">Bridging the Gap Between Knowledge and Action</h2>



<p>Financial knowledge can equip a person to make more informed decisions. But without action, knowing about personal finance adds nothing to a person’s net worth. A person who saves 3% of their salary in a 401(k) but who isn’t confident they know how a 401(k) works is probably better off than a person who knows every detail about 401(k) accounts but who has no savings and has no plan to start.</p>



<p>In a sense, a person achieves literacy when they implement financial knowledge into their life in a tangible way. It’s similar to learning a language: Memorizing vocabulary words on flash cards is an important step in learning, but it takes more than a vocabulary to have a conversation or become fluent.</p>



<p>PERA offers members a variety of tools and resources to bolster financial literacy. One way to help understand what’s available is to think about each resource as either education-oriented or action-oriented. A few examples are shown below:</p>



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<figure class="wp-block-table alignleft"><table class="has-white-color has-text-color has-background" style="background-color:#e9fbe5 color:#ffffff;"><thead><tr><th><strong>Education</strong></th><th><strong>Action</strong></th></tr></thead><tbody><tr><td><br>PERA partners with employers by offering free workshops about how to make sense of investing.</td><td>PERA members can enroll in a PERAPlus 401(k) with their employer or in PERAPlus 457 directly online.</td></tr><tr><td>PERA offers webinars about planning for retirement.</td><td><br>Refine your own individual retirement plan. Meet with a PERA representative if you have additional questions about your PERA benefit.<br></td></tr></tbody></table></figure>



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<h4 class="wp-block-heading"><strong>The Importance of a Plan</strong></h4>



<p>Financial literacy is important. While it takes more than simply memorizing financial principles to reap the rewards, having a baseline of knowledge is an invaluable part of becoming financially secure. Not surprisingly, a lack of financial knowledge is a <a href="https://www.thebalance.com/overcome-excuses-and-save-money-4129534" target="_blank" rel="noreferrer noopener" class="broken_link">common</a> barrier to getting started.&nbsp;</p>



<p>So in recognition of Financial Literacy Month, go ahead – take an online quiz. Test your knowledge against others. But when you’re done, go a step farther. Strive for true literacy. Keep learning, and find ways to apply what you know.</p>


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