
<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.


<h4 class="wp-block-heading"><a href="https://www.coloradopolitics.com/news/colorado-budget-cuts/article_21095d25-b442-45db-b75a-00bd4cd69f2e.html" target="_blank" rel="noreferrer noopener"><strong>$43.9 Billion Budget Bill Introduced in Colorado Senate | Colorado Politics</strong></a></h4>



<p>State lawmakers have been working to build out the budget for the next fiscal year while trying to fill a $1.2 billion funding hole, and they released their proposal this week. In total, the budget calls for $43.9 billion in spending with dozens of accompanying bills that cut or transfer funds to fill the budget shortfall.</p>



<h4 class="wp-block-heading"><a href="https://coloradosun.com/2025/04/01/amgen-enbrel-price-cap-lawsuit-dismissed/" target="_blank" rel="noreferrer noopener"><strong>Enbrel Maker&#8217;s Effort to Stop Colorado from Capping Drug Price Dismissed | The Colorado Sun</strong></a></h4>



<p>The Legislature created the Colorado Prescription Drug Affordability Board in 2021 with the goal of reviewing the affordability of prescription drugs and capping the prices of medications deemed to be too unaffordable. Drugmaker Amgen filed a lawsuit trying to prevent the Board from capping the price of its autoimmune drug Enbrel, but a judge dismissed the suit.</p>



<h4 class="wp-block-heading"><a href="https://www.npr.org/2025/03/26/nx-s1-5341780/social-security-administration-identity-requirements" target="_blank" rel="noreferrer noopener"><strong>Social Security Officials Partially Walk Back Plans for In-Person Verification | NPR</strong></a></h4>



<p>After previously announcing that some Social Security beneficiaries would need to verify their identities in-person at a Social Security office, the Social Security Administration is updating its policy and moving its deadline. The agency now says the in-person requirement will only apply to people who are trying to access retirement, survivor, or auxiliary benefits and who are unable to verify their identity online.</p>



<h4 class="wp-block-heading"><a href="https://www.marketplace.org/shows/marketplace-tech/the-sec-invites-cryptocurrency-supporters-and-skeptics-to-the-table/" target="_blank" rel="noreferrer noopener"><strong>The SEC Holds its First Cryptocurrency Roundtable | Marketplace</strong></a></h4>



<p>The Securities and Exchange Commission (SEC), which enforces regulations in financial markets, held its first roundtable meeting on cryptocurrencies last month. The question at the center of the agency’s discussion is whether the SEC should regulate cryptocurrencies the same way it regulates stocks and bonds.</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: State Lawmakers Introduce $43.9B Budget Proposal


<h4 class="wp-block-heading"><a href="https://www.npr.org/sections/shots-health-news/2024/08/15/nx-s1-5075659/medicare-negotiated-drug-prices-for-the-first-time-heres-what-it-got" target="_blank" rel="noreferrer noopener">Medicare Negotiated Drug Prices for the First Time. Here’s What It Got. | NPR</a></h4>



<p>Medicare has revealed the results of its first-ever negotiated drug prices. Officials have been negotiating with pharmaceutical companies for months, and that process just wrapped up, resulting in discounts on popular drugs for diabetes, cancer, arthritis, and other ailments. The new lower prices for the first batch of 10 prescription medications will take effect in 2026.</p>



<h4 class="wp-block-heading"><a href="https://coloradosun.com/2024/08/15/colorado-special-session-property-taxes-election-2024/" target="_blank" rel="noreferrer noopener">Colorado Governor Calls Special Session on Property Taxes to Avoid Ballot Measure Fight in November</a></h4>



<p>Gov. Jared Polis called for a special legislative session to tackle the issue of property taxes in Colorado. Various advocacy groups had been calling on the legislature to take action and pass a bill to lower taxes rather than allow two tax-related initiatives to appear on the November ballot.</p>



<h4 class="wp-block-heading"><a href="https://www.reuters.com/markets/rates-bonds/size-looming-fed-rate-cuts-may-hinge-job-market-2024-08-02/" target="_blank" rel="noreferrer noopener"><strong>Fed Rate Cuts Loom Large as US Job Market Slows Sharply | Reuters</strong></a></h4>



<p>Prior to early August’s monthly jobs report, many analysts said the Federal Reserve would be likely to start lowering interest rates in September. That jobs report showed a noticeable increase in unemployment, signaling a weakening job market and all but guaranteeing a rate cut in the very near future.</p>



<h4 class="wp-block-heading"><a href="https://www.plansponsor.com/milliman-reveals-health-care-costs-for-65-year-olds-retiring-in-2024/" target="_blank" rel="noreferrer noopener"><strong>Milliman Reveals Health Care Costs for 65-Year-Olds Retiring in 2024 | PLANSPONSOR</strong></a></h4>



<p>A new report highlights the rising cost of retiree health care. According to the Milliman Retiree Health Cost Index, the amount of savings needed to cover health care costs for a couple retiring in 2024 has increased by $7,000 in the past year if that couple is enrolled in original Medicare with supplemental coverage. On the other hand, retirees with Medicare Advantage plans need less money saved up in order to pay for care.</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: Medicare Wraps Up Drug Price Negotiations


<h4 class="wp-block-heading"><a href="https://www.fiercehealthcare.com/payers/hhs-lowers-64-prescription-drug-prices-under-medicare-rebate-program" target="_blank" rel="noreferrer noopener"><strong>HHS Lowers Prescription Drug Prices Under IRA Medicare Rebates | Fierce Healthcare</strong></a></h4>



<p>The federal government released the latest list of prescription medications that will be discounted under Medicare because their prices rose faster than inflation. The list includes 64 drugs that will be available for lower coinsurance percentages as of July 1.</p>



<h4 class="wp-block-heading"><a href="https://www.marketplace.org/2024/06/28/lawmakers-managed-to-fix-social-security-in-the-1980s-but-those-fixes-wont-work-a-second-time/" target="_blank" rel="noreferrer noopener"><strong>Reagan-Era Social Security Fixes Won&#8217;t Work This Time | Marketplace</strong></a></h4>



<p>There have been plenty of headlines about Social Security’s dwindling cash reserves—the latest projections show the program is likely to run out of cash in about a decade. But the question of what, if anything, lawmakers intend to do about it remains. While past reforms may provide some insight, lawmakers will likely have to come up with some new solutions this time around.</p>



<h4 class="wp-block-heading"><a href="https://www.reuters.com/markets/us/us-banks-suffer-steeper-losses-retain-large-cushions-annual-fed-health-check-2024-06-26/" target="_blank" rel="noreferrer noopener"><strong>US Banks Suffer Steeper Losses, But Retain Large Cushions in Annual Fed Health Check | Reuters</strong></a></h4>



<p>Every year, the Federal Reserve conducts a “stress test” to assess the financial resilience of the country’s biggest banks. This year’s test found the banks would be able to withstand severe market volatility and other economic factors while still keeping enough money on hand to lend.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.nytimes.com/2024/06/20/business/retirement/retire-advice-life-tips.html?unlocked_article_code=1.6E0.G3Q9.aN7ecjCdCYnK&amp;smid=url-share" target="_blank" rel="noreferrer noopener">Stories About What Retirement Really Means | The New York Times</a></strong></h4>



<p>The New York Times asked its readers to send in their perspectives, experiences, and advice on retirement. Almost 1,500 people responded, and their views on retirement show a wide breadth of sentiments—positive, negative, and in between.</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: Dozens of Drugs to Be Discounted Under Medicare


<h4 class="wp-block-heading"><a href="https://www.plansponsor.com/employers-risk-facing-turnover-without-comprehensive-benefits-offerings/" target="_blank" rel="noreferrer noopener"><strong>Employers Risk Facing Turnover Without Comprehensive Benefits Offerings | PLANSPONSOR</strong></a></h4>



<p>In a new survey, workers overwhelmingly said benefits are a key factor in determining where to work, with 70% of respondents saying they would be willing to switch jobs to gain better benefits. The survey found younger workers value education and training benefits, while 87% of older workers said retirement benefits are a top priority.</p>



<h4 class="wp-block-heading"><a href="https://www.thinkadvisor.com/2024/04/23/dol-releases-final-fiduciary-rule/" target="_blank" rel="noreferrer noopener"><strong>DOL Releases Final&nbsp;fiduciary&nbsp;Rule | ThinkAdvisor</strong></a></h4>



<p>The U.S. Department of Labor has released the final version of a new rule that clarifies who is considered a&nbsp;fiduciary&nbsp;when providing investment advice. Experts say the new rule adds protections for consumers, who can be more confident they’re receiving good financial advice that’s in their best interests.</p>



<h4 class="wp-block-heading"><a href="https://coloradosun.com/2024/04/30/colorado-prescription-drug-affordability-board-concerns/" target="_blank" rel="noreferrer noopener"><strong>Colorado Wants to Lower Prescription Costs. Why Are Patients Opposed? | The Colorado Sun</strong></a></h4>



<p>Three years ago, Colorado created the Prescription Drug Affordability Board to review drug prices and potentially place limits on how much manufacturers can charge for medications. Drugmakers have pushed back against the board’s authority, and some patient advocates have now joined the opposition out of fear that price caps could lead to manufacturers pulling their life-saving drugs from Colorado pharmacies.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.nirsonline.org/reports/women2024/" target="_blank" rel="noreferrer noopener">What Do Women Think About Retirement? | National Institute on Retirement Security</a></strong></h4>



<p>There’s long been a gender gap in retirement, with women generally having less money saved due to lower wages and other factors. According to a recent survey of working women, more than 75% of women think retirement is only getting harder, and 82% say every worker should have access to a pension for retirement security.</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: Majority of Workers Say Benefits Influence Job Choices


<h4 class="wp-block-heading"><a href="https://coloradosun.com/2024/03/27/colorado-budget-state-worker-shortages/" target="_blank" rel="noreferrer noopener"><strong>Will Pay Raises Be Enough to Stem Colorado’s State Worker Shortage? | The Colorado Sun</strong></a></h4>



<p>The General Assembly is currently considering the proposed 2024-2025 state budget, also known as the Long Bill. The $40.6 billion bill includes pay raises for some of the state’s hardest-to-fill positions, such as health care workers. Officials say the increases will help, but more work is needed to fill shortages that continue to persist in some sectors.</p>



<h4 class="wp-block-heading"><a href="https://content.copera.org/news-you-should-know-proposed-budget-includes-pay-raises-for-state-workers/"><strong>Pharma Targets Colorado Drug Afford</strong></a><strong><a href="https://content.copera.org/news-you-should-know-proposed-budget-includes-pay-raises-for-state-workers/" target="_blank" rel="noreferrer noopener">a</a></strong><a href="https://content.copera.org/news-you-should-know-proposed-budget-includes-pay-raises-for-state-workers/"><strong>bility Board | POLITICO</strong></a></h4>



<p>Amgen, maker of the rheumatoid arthritis drug Enbrel, is suing Colorado’s Prescription Drug Affordability Board. The Board, which was created in 2021, declared Enbrel unaffordable in February, setting the stage for Colorado to set a maximum price for the drug. The drugmaker is challenging the Board’s decision and its authority to cap prices.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.nytimes.com/2024/03/26/business/fiduciary-rule-retirement.html?ugrp=m&amp;unlocked_article_code=1.hU0.yIoU.t9Lw6gNoupr0&amp;smid=url-share" target="_blank" rel="noreferrer noopener">How a New Rule Could Change the Way Advisers Handle Your Retirement Money | The New York Times</a></strong></h4>



<p>The U.S. Department of Labor is preparing to release a final rule that will expand the number of financial professionals who are required to act as fiduciaries—meaning they must act in the best interest of their clients. The new rule is currently under review at the White House, after which it is expected to be published this spring.</p>



<h4 class="wp-block-heading"><a href="https://apnews.com/article/tax-season-irs-refund-april-15-7d448039c59df67f054806d00110ff18" target="_blank" rel="noreferrer noopener"><strong>IRS Has 940,000 Unclaimed Tax Refunds About to Expire | The Associated Press</strong></a></h4>



<p>The deadline for filing 2023 tax returns—April 15—is right around the corner. But the IRS says nearly a million people still haven’t filed and claimed their refunds from 2020. The unclaimed refunds amount to over $1 billion, and taxpayers have until May 17 to claim those refunds.</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: Proposed Budget Includes Pay Raises for State Workers


<h4 class="wp-block-heading"><strong><a href="https://www.npr.org/2023/08/29/1195984752/medicare-drug-price-negotiations" target="_blank" rel="noreferrer noopener">Here Are the First 10 Drugs That Medicare Will Target For Price Cuts | NPR</a></strong></h4>



<p>Federal officials released their highly anticipated list of the first 10 prescription drugs for which Medicare will aim to cut prices as part of its new price negotiation program. The list includes popular blood thinners, diabetes medications, auto immune drugs, and others.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.usatoday.com/story/money/2023/08/25/powell-fed-raise-rates-again/70675659007/" target="_blank" rel="noreferrer noopener">Powell Says Fed Could Raise Rates Again if Economy Doesn&#8217;t Cool | USA Today</a></strong></h4>



<p>At the Federal Reserve’s annual conference in Wyoming, Chair Jerome Powell hinted that the central bank isn’t going to be reducing interest rates any time soon. Powell said the economy still isn’t slowing down as much as expected, meaning additional hikes may be needed to rein in inflation.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.cnbc.com/2023/08/29/treasury-proposes-crypto-tax-reporting-rule-what-it-means-for-investors.html" target="_blank" rel="noreferrer noopener">Treasury Proposes Crypto Tax Reporting Rule. What It Means | CNBC</a></strong></h4>



<p>The federal government released proposed new regulations that would require brokers of cryptocurrencies and other digital assets to file tax forms beginning in 2025. Officials say the new rules are an effort to crack down on tax evasion on digital finance activity.</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: Medicare Releases First 10 Drugs in Price Negotiation Program


<h4 class="wp-block-heading"><a href="https://www.msn.com/en-us/health/medical/colorado-will-consider-capping-the-price-of-these-5-widely-prescribed-drugs/ar-AA1fdguq" target="_blank" rel="noreferrer noopener"><strong>Colorado Will Consider Capping the Price of These 5 Widely Prescribed Drugs | The Denver Post via MSN</strong></a></h4>



<p>The Colorado legislature passed a law that created the Prescription Drug Affordability Board in 2021. That board has the power to set maximum prices for up to 12 drugs a year, and the board has released the first five drugs it aims to cap. The drugs include costly medications to treat various autoimmune diseases, cystic fibrosis, and others.</p>



<h4 class="wp-block-heading"><a href="https://content.copera.org/news-you-should-know-colorado-considering-price-caps-for-5-common-medications/" target="_blank" rel="noreferrer noopener"><strong>AAA to AA+: How Fitch’s U.S. Downgrade Hits You | Nasdaq</strong></a></h4>



<p>The credit-rating agency Fitch Ratings recently downgraded the United States’ rating slightly from AAA to AA+. That move primarily affects the cost of government borrowing, but there could be some ripple effects for everyday Americans, as well.</p>



<h4 class="wp-block-heading"><a href="https://www.cnn.com/2023/08/08/economy/us-household-credit-card-debt/index.html" target="_blank" rel="noreferrer noopener"><strong>Americans&#8217; Credit Card Debt Hits a Record $1 Trillion | CNN Business</strong></a></h4>



<p>For the first time, the collective amount of credit card debt Americans hold has reached $1 trillion. Card balances have been on the rise for a while, and experts say that’s likely to continue since interest rates and prices for goods and services remain elevated.</p>



<h4 class="wp-block-heading"><a href="https://www.marketplace.org/2023/08/01/grandternity-leave-newest-form-of-parental-leave/" target="_blank" rel="noreferrer noopener"><strong>Some Companies Consider &#8220;Grandternity&#8221; Leave for Older Workers | Marketplace</strong></a></h4>



<p>Americans are living and working longer, and that means there’s growing attention to the benefits needs of the aging workforce. One benefit companies are beginning to offer that we could see expand in the coming years is so-called “grandternity” leave for workers who want to take paid time off for the birth of a grandchild.</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 Considering Price Caps for 5 Common Medications


<h4 class="wp-block-heading"><a href="https://www.investopedia.com/fed-squeezes-inflation-and-economy-harder-with-a-tenth-possibly-final-rate-hike-7488377?hid=a526fec8f4710d579c898e2c1bdd1b7d2a8953bb&amp;did=9039691-20230503&amp;utm_campaign=market-sum_newsletter&amp;utm_source=investopedia&amp;utm_medium=email&amp;utm_content=050323" target="_blank" rel="noreferrer noopener"><strong>Fed Squeezes Inflation and Economy Harder With a Tenth—Possibly Final—Rate Hike | Investopedia</strong></a></h4>



<p>The Federal Reserve once again raised its key interest rate as it tries to fight inflation, bringing the rate to its highest point since 2007. Officials say rate hikes appear to be working and inflation is slowing, suggesting the Fed is taking more of a wait-and-see approach on interest rates going forward.</p>



<h4 class="wp-block-heading"><a href="https://content.copera.org/news-you-should-know-fed-raises-rates-again-but-may-pause-going-forward/" target="_blank" rel="noreferrer noopener"><strong>State-Run Retirement Programs Spurring More Private-Sector Plans | Pensions &amp; Investments</strong></a></h4>



<p>A growing number of states — including Colorado — are now offering government-run IRA-style retirement plans for private-sector workers whose employers don’t offer a 401(k) or other plan. Rather than discouraging uptake of employer-based retirement plans, recent research finds the state-run plans seem to be encouraging more businesses to offer retirement plans of their own.</p>



<h4 class="wp-block-heading"><a href="https://www.cnbc.com/2023/04/26/medicare-will-cover-alzheimers-treatment-leqembi-after-fda-approves.html" target="_blank" rel="noreferrer noopener"><strong>Medicare Will Cover Alzheimer&#8217;s Treatment Leqembi After FDA Approves | CNBC</strong></a></h4>



<p>Medicare has faced scrutiny over its decisions to cover or not cover certain new Alzheimer’s drugs. In a recent hearing before Congress, the administrator of the Centers for Medicare and Medicaid Services said Medicare will cover the new drug Leqembi for eligible patients if it’s granted full approval by the FDA this summer.</p>



<h4 class="wp-block-heading"><a href="https://coloradosun.com/2023/05/09/2023-colorado-legislature-bills/" target="_blank" rel="noreferrer noopener"><strong>101 Bills Debated in the Colorado Legislature in 2023 That You Should Know About | Colorado Sun</strong></a></h4>



<p>The Colorado Sun combed through the 600-plus bills introduced at the Capitol this year to find the ones that will affect — or would have affected — your life. Spoiler: while several different tax credits were deliberated and some passed, HB23-1016 (Temp Tax Credit For Public Service Retirees) did not make it out of the House.</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: Fed Raises Rates Again But May Pause Going Forward


<h4 class="wp-block-heading"><strong><a href="https://coloradosun.com/2022/12/06/colorado-import-prescription-drugs-canada/" target="_blank" rel="noreferrer noopener">Colorado Just Released the List of Prescription Drugs It Wants to Import From Canada | The Colorado Sun</a></strong></h4>



<p>The State of Colorado is seeking to save residents money on prescription drugs by importing more than 100 medications from Canada. The state submitted a formal application to the federal government that lists 112 drugs with an average cost savings of 64 percent over the U.S. retail price. If approved, that could result in savings of $53 million to $88 million per year.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.napa-net.org/news-info/daily-news/bicameral-bipartisan-retirement-bill-introduced" target="_blank" rel="noreferrer noopener">Bicameral, Bipartisan Retirement Bill Introduced | National Association of Plan Advisors</a></strong></h4>



<p>While the fate of the major retirement legislation package known as SECURE Act 2.0 remains uncertain, lawmakers continue to introduce new retirement-related bills. U.S. Sen. John Hickenlooper of Colorado is one the legislators behind the recently introduced Retirement Savings for Americans Act, which aims to increase access to retirement savings accounts for those who don’t currently have them.</p>



<h4 class="wp-block-heading"><strong><a href="https://www.kiplinger.com/personal-finance/7-financial-steps-to-take-at-the-end-of-the-year" target="_blank" rel="noreferrer noopener">7 Financial Steps to Take at the End of the Year | Kiplinger</a></strong></h4>



<p>With the year winding down, it’s a good time to do a financial checkup and make sure all your accounts are in order. Here are some helpful steps to consider, from taxes and investments to retirement planning and emergency savings.</p>



<h4 class="wp-block-heading"><strong><a href="https://smartasset.com/estate-planning/estate-planning-trends" target="_blank" rel="noreferrer noopener">Middle-Aged Americans Aren’t Planning Their Estates. Here’s How to Fix That. | SmartAsset</a></strong></h4>



<p>While you’re doing a year-end financial check-up, you may consider doing some estate planning, if you haven’t already. A recent survey found the number of middle-aged adults with a will dropped to an all-time low in 2021. While estate planning can be daunting, there are a few common documents that will be a big help to your loved ones.</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 Lists Drugs It Aims to Import From Canada


<h4 class="wp-block-heading"><a href="https://www.cnbc.com/2022/08/12/drug-prices-passage-of-inflation-reduction-act-gives-medicare-historic-new-powers.html" target="_blank" rel="noreferrer noopener"><strong>Drug prices: Passage of Inflation Reduction Act Gives Medicare Historic New Powers | CNBC&nbsp;</strong></a></h4>



<p>Medicare will soon be able to negotiate directly with drug manufacturers on the prices of some name-brand medications, leading to savings for retirees and the federal government. The recently passed Inflation Reduction Act will also limit out-of-pocket spending to $2,000 for participants in Medicare’s Part D prescription drug plan.</p>



<h4 class="wp-block-heading"><a href="https://content.copera.org/news-you-should-know-congress-passes-bill-giving-medicare-power-to-negotiate-drug-prices/" target="_blank" rel="noreferrer noopener"><strong>FDA Finalizes Rule to Make Hearing Aids Available Over the Counter | The Hill</strong></a></h4>



<p>The Federal Drug Administration has finalized a rule that will allow some hearing aids to be sold over the counter. The rule applies to hearing aids for people with mild to moderate hearing loss, and products could appear on store shelves as soon as this fall.</p>



<h4 class="wp-block-heading"><a href="https://www.fool.com/the-ascent/personal-finance/articles/americans-are-saving-the-least-money-since-2009/" target="_blank" rel="noreferrer noopener" class="broken_link"><strong>Americans Are Saving the Least Money Since 2009 | The Motley Fool</strong></a></h4>



<p>During the early days of the COVID-19 pandemic, many Americans reduced their spending and ramped up their savings, but that trend has since reversed. New data from the Federal Reserve Bank of New York show the personal savings rate in the United States has dropped to its lowest level since 2009. Americans have also racked up record debt, with total U.S. household debt surpassing $16 trillion for the first time ever this year.</p>



<h4 class="wp-block-heading"><strong><a href="https://finance.yahoo.com/news/finances-keeping-night-not-alone-175326930.html" target="_blank" rel="noreferrer noopener">Finances Keeping You Up at Night? You’re Not Alone | Yahoo! Finance &nbsp;</a></strong></h4>



<p>It turns out having a financial plan is good for more than just your wallet — it’s also good for your overall health. A recent study from Northwestern Mutual found that people who make financial plans and work with an advisor are happier and get better sleep than those who don’t.</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>


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