Plootus
@weareplootus.bsky.social
Plootus is a financial planning app that helps users manage their retirement accounts by consolidating their income, expenses, and investments into one place. Plootus suggests investment options based on a user's risk profile and estimated retirement needs
According to NerdWallet, the average 401(k) balance this year is around $148,000 — a sign that Americans are saving more.
But look closer, and the median balance is far lower:
💰 Under 25: $1,948
💰 35–44: $39,958
💰 55–64: $95,642
www.nerdwallet.com/retirement/l...
But look closer, and the median balance is far lower:
💰 Under 25: $1,948
💰 35–44: $39,958
💰 55–64: $95,642
www.nerdwallet.com/retirement/l...
Average 401(k) Balance by Age in 2025 - NerdWallet
The average balance of 401(k)s and other defined contribution plans is $137,800 to $148,153. The average balance for people 65 and up is $299,442.
www.nerdwallet.com
December 8, 2025 at 3:35 PM
According to NerdWallet, the average 401(k) balance this year is around $148,000 — a sign that Americans are saving more.
But look closer, and the median balance is far lower:
💰 Under 25: $1,948
💰 35–44: $39,958
💰 55–64: $95,642
www.nerdwallet.com/retirement/l...
But look closer, and the median balance is far lower:
💰 Under 25: $1,948
💰 35–44: $39,958
💰 55–64: $95,642
www.nerdwallet.com/retirement/l...
For Gen Z, “work forever” isn’t ambition — it’s a coping strategy. Despite their creativity, flexibility, and hustle, Gen Z faces a retirement system built for a world that no longer exists.
www.kiplinger.com/retirement/r...
www.kiplinger.com/retirement/r...
'Work Forever' Is Not a Retirement Plan: What Needs to Change for Gen Z, From a Financial Pro
Saving for retirement isn't what it used to be. The deck is stacked against Gen Z in some crucial ways. The system is broken, and we need to fix it.
www.kiplinger.com
December 8, 2025 at 2:47 AM
For Gen Z, “work forever” isn’t ambition — it’s a coping strategy. Despite their creativity, flexibility, and hustle, Gen Z faces a retirement system built for a world that no longer exists.
www.kiplinger.com/retirement/r...
www.kiplinger.com/retirement/r...
Why We’re Wired to Make Bad Money Moves (and How to Outsmart Your Brain)
Ever wonder why you know better, but still make poor financial choices? You're not alone—and you're not broken. Our brains are biologically wired to make emotional, irrational money decisions.
Ever wonder why you know better, but still make poor financial choices? You're not alone—and you're not broken. Our brains are biologically wired to make emotional, irrational money decisions.
December 7, 2025 at 2:21 PM
Why We’re Wired to Make Bad Money Moves (and How to Outsmart Your Brain)
Ever wonder why you know better, but still make poor financial choices? You're not alone—and you're not broken. Our brains are biologically wired to make emotional, irrational money decisions.
Ever wonder why you know better, but still make poor financial choices? You're not alone—and you're not broken. Our brains are biologically wired to make emotional, irrational money decisions.
💰 What’s a “Good” Monthly Retirement Income in 2025?
A CBS report says that there’s no one-size-fits-all answer to retirement income. With inflation, longer lifespans, and rising healthcare costs reshaping retirement realities, the old benchmarks are evolving fast.
www.cbsnews.com/news/what-is...
A CBS report says that there’s no one-size-fits-all answer to retirement income. With inflation, longer lifespans, and rising healthcare costs reshaping retirement realities, the old benchmarks are evolving fast.
www.cbsnews.com/news/what-is...
What's a good monthly retirement income in 2025?
Wondering how much cash you need to retire comfortably right now? The answer to that question might surprise you.
www.cbsnews.com
December 6, 2025 at 7:27 PM
💰 What’s a “Good” Monthly Retirement Income in 2025?
A CBS report says that there’s no one-size-fits-all answer to retirement income. With inflation, longer lifespans, and rising healthcare costs reshaping retirement realities, the old benchmarks are evolving fast.
www.cbsnews.com/news/what-is...
A CBS report says that there’s no one-size-fits-all answer to retirement income. With inflation, longer lifespans, and rising healthcare costs reshaping retirement realities, the old benchmarks are evolving fast.
www.cbsnews.com/news/what-is...
Great news for small and mid-sized business owners looking to strengthen their retirement benefits! 🎉
#Sharebuilder has announced it will waive all 401(k) plan setup costs through December 23, saving eligible businesses up to $750 on startup fees.
401kspecialistmag.com/sharebuilder...
#Sharebuilder has announced it will waive all 401(k) plan setup costs through December 23, saving eligible businesses up to $750 on startup fees.
401kspecialistmag.com/sharebuilder...
Affordable 401(k) Setup: ShareBuilder 401K Waives Fees
Affordable 401(k) Setup made easier as ShareBuilder waives all setup costs for small and mid-sized businesses through Dec. 23.
401kspecialistmag.com
December 6, 2025 at 4:31 AM
Great news for small and mid-sized business owners looking to strengthen their retirement benefits! 🎉
#Sharebuilder has announced it will waive all 401(k) plan setup costs through December 23, saving eligible businesses up to $750 on startup fees.
401kspecialistmag.com/sharebuilder...
#Sharebuilder has announced it will waive all 401(k) plan setup costs through December 23, saving eligible businesses up to $750 on startup fees.
401kspecialistmag.com/sharebuilder...
💭 “Terrified of Running Out of Money” — Why Retirement Anxiety Is Reaching New Highs
A recent @MarketWatch feature highlights a growing reality among Boomers and Gen Xers: even those who are retired fear they’ll outlive their savings.
www.marketwatch.com/story/most-b...
A recent @MarketWatch feature highlights a growing reality among Boomers and Gen Xers: even those who are retired fear they’ll outlive their savings.
www.marketwatch.com/story/most-b...
Most boomers and Gen X-ers are terrified about running out of money in retirement
Anxiety has been peaking for people in and approaching retirement — how to manage it
www.marketwatch.com
December 5, 2025 at 2:34 PM
💭 “Terrified of Running Out of Money” — Why Retirement Anxiety Is Reaching New Highs
A recent @MarketWatch feature highlights a growing reality among Boomers and Gen Xers: even those who are retired fear they’ll outlive their savings.
www.marketwatch.com/story/most-b...
A recent @MarketWatch feature highlights a growing reality among Boomers and Gen Xers: even those who are retired fear they’ll outlive their savings.
www.marketwatch.com/story/most-b...
⚠️ The Hidden Threat to America’s Retirement Savings: “Junk IRAs”
Millions of Americans are unknowingly losing out on future retirement income because of so-called “safe harbor IRAs.”
www.benefitspro.com/2025/10/24/h...
Millions of Americans are unknowingly losing out on future retirement income because of so-called “safe harbor IRAs.”
www.benefitspro.com/2025/10/24/h...
Hidden ‘junk IRAs’ threaten billions in retirement savings
Workers who leave behind retirement accounts under $7,000 can be forced out of their old employer plans into “safe harbor IRAs."
www.benefitspro.com
December 4, 2025 at 5:43 PM
⚠️ The Hidden Threat to America’s Retirement Savings: “Junk IRAs”
Millions of Americans are unknowingly losing out on future retirement income because of so-called “safe harbor IRAs.”
www.benefitspro.com/2025/10/24/h...
Millions of Americans are unknowingly losing out on future retirement income because of so-called “safe harbor IRAs.”
www.benefitspro.com/2025/10/24/h...
This week’s newsletter breaks down a cooling labor market, #Bitcoin’s surge past $92K, and the costly fallout of the nation’s longest government shutdown.
December 4, 2025 at 2:59 PM
This week’s newsletter breaks down a cooling labor market, #Bitcoin’s surge past $92K, and the costly fallout of the nation’s longest government shutdown.
How to Retire Like a Boglehead: Passive Investing 101 for Long-Term Success
Want to retire comfortably without the stress of trying to beat the market? The Boglehead philosophy is all about simplicity, consistency, and long-term growth through low-cost, diversified index funds.
Want to retire comfortably without the stress of trying to beat the market? The Boglehead philosophy is all about simplicity, consistency, and long-term growth through low-cost, diversified index funds.
December 3, 2025 at 4:20 PM
How to Retire Like a Boglehead: Passive Investing 101 for Long-Term Success
Want to retire comfortably without the stress of trying to beat the market? The Boglehead philosophy is all about simplicity, consistency, and long-term growth through low-cost, diversified index funds.
Want to retire comfortably without the stress of trying to beat the market? The Boglehead philosophy is all about simplicity, consistency, and long-term growth through low-cost, diversified index funds.
⏳ Gen X and the Reality of Delayed Retirement
A report featured by 401k Specialist Magazine paints a sobering picture of Generation X’s retirement readiness. The findings should be a wake-up call for policymakers, employers, and financial professionals alike.
401kspecialistmag.com/more-than-a-...
A report featured by 401k Specialist Magazine paints a sobering picture of Generation X’s retirement readiness. The findings should be a wake-up call for policymakers, employers, and financial professionals alike.
401kspecialistmag.com/more-than-a-...
Over One-Third of Gen X Says They’ll Delay Retirement
More than a third of Gen X plans to delay retirement, as “forgotten generation” is least confident and least financially prepared for it
401kspecialistmag.com
December 2, 2025 at 3:58 PM
⏳ Gen X and the Reality of Delayed Retirement
A report featured by 401k Specialist Magazine paints a sobering picture of Generation X’s retirement readiness. The findings should be a wake-up call for policymakers, employers, and financial professionals alike.
401kspecialistmag.com/more-than-a-...
A report featured by 401k Specialist Magazine paints a sobering picture of Generation X’s retirement readiness. The findings should be a wake-up call for policymakers, employers, and financial professionals alike.
401kspecialistmag.com/more-than-a-...
🎯 Why Your 401(k) Might Be Missing the Mark on Risk
A recent Forbes article by Chris Carosa dives deep into what he calls the “risk paradox” — the gap between how we feel about financial risk and what our actual capacity for risk really is.
www.forbes.com/sites/chrisc...
A recent Forbes article by Chris Carosa dives deep into what he calls the “risk paradox” — the gap between how we feel about financial risk and what our actual capacity for risk really is.
www.forbes.com/sites/chrisc...
Why 401(k) Plans Avoid Risk Capacity Details You Already Know
You say you can handle a 40% crash, but does it matter? Your plan ignores your income, debt, and timeline. Here’s the risk capacity data it skips.
www.forbes.com
December 1, 2025 at 4:57 PM
🎯 Why Your 401(k) Might Be Missing the Mark on Risk
A recent Forbes article by Chris Carosa dives deep into what he calls the “risk paradox” — the gap between how we feel about financial risk and what our actual capacity for risk really is.
www.forbes.com/sites/chrisc...
A recent Forbes article by Chris Carosa dives deep into what he calls the “risk paradox” — the gap between how we feel about financial risk and what our actual capacity for risk really is.
www.forbes.com/sites/chrisc...
New Insights: How Veterans View Workplace Wellbeing and Financial Health
The Employee Benefit Research Institute (hashtag#EBRI) has released a powerful new study — “Satisfaction After Service: Findings From a Focus on Veterans in the 2024 Workplace Wellness Survey.”
www.ebri.org/publications...
The Employee Benefit Research Institute (hashtag#EBRI) has released a powerful new study — “Satisfaction After Service: Findings From a Focus on Veterans in the 2024 Workplace Wellness Survey.”
www.ebri.org/publications...
Satisfaction After Service: Findings From a Focus on Veterans in the 2024 Workplace Wellness Survey
www.ebri.org
November 30, 2025 at 5:09 PM
New Insights: How Veterans View Workplace Wellbeing and Financial Health
The Employee Benefit Research Institute (hashtag#EBRI) has released a powerful new study — “Satisfaction After Service: Findings From a Focus on Veterans in the 2024 Workplace Wellness Survey.”
www.ebri.org/publications...
The Employee Benefit Research Institute (hashtag#EBRI) has released a powerful new study — “Satisfaction After Service: Findings From a Focus on Veterans in the 2024 Workplace Wellness Survey.”
www.ebri.org/publications...
Daniel Kahneman’s Legacy: What Every Investor Needs to Know
📚 Nobel Prize-winning psychologist Daniel Kahneman changed how we understand decision-making. His best-seller Thinking, Fast and Slow revealed a powerful truth:
We’re not as rational as we think—especially with money.
📚 Nobel Prize-winning psychologist Daniel Kahneman changed how we understand decision-making. His best-seller Thinking, Fast and Slow revealed a powerful truth:
We’re not as rational as we think—especially with money.
November 29, 2025 at 3:43 PM
Daniel Kahneman’s Legacy: What Every Investor Needs to Know
📚 Nobel Prize-winning psychologist Daniel Kahneman changed how we understand decision-making. His best-seller Thinking, Fast and Slow revealed a powerful truth:
We’re not as rational as we think—especially with money.
📚 Nobel Prize-winning psychologist Daniel Kahneman changed how we understand decision-making. His best-seller Thinking, Fast and Slow revealed a powerful truth:
We’re not as rational as we think—especially with money.
📉 Gen X and the Coming Retirement Crisis: What Can Be Done?
A new report featured on CNBC highlights a growing concern: Generation X is falling behind on retirement preparedness more than any other generation.
www.cnbc.com/2025/11/04/g...
A new report featured on CNBC highlights a growing concern: Generation X is falling behind on retirement preparedness more than any other generation.
www.cnbc.com/2025/11/04/g...
With fewer safety nets, 'robbed' Gen X is facing a retirement crisis, top advisor says
Gen Xers are the least financially prepared generation for retirement by nearly every measure, according to a recent report.
www.cnbc.com
November 29, 2025 at 3:39 PM
📉 Gen X and the Coming Retirement Crisis: What Can Be Done?
A new report featured on CNBC highlights a growing concern: Generation X is falling behind on retirement preparedness more than any other generation.
www.cnbc.com/2025/11/04/g...
A new report featured on CNBC highlights a growing concern: Generation X is falling behind on retirement preparedness more than any other generation.
www.cnbc.com/2025/11/04/g...
💭 Retirement Planning in 2025: What’s Really on Americans’ Minds
A recent Forbes article highlights how today’s retirees — and those approaching retirement — are navigating a very different financial landscape than previous generations.
www.forbes.com/sites/jamieh...
A recent Forbes article highlights how today’s retirees — and those approaching retirement — are navigating a very different financial landscape than previous generations.
www.forbes.com/sites/jamieh...
Retirement Planning In 2025: What’s On People’s Minds
A new Fidelity report shows that retirement readiness and confidence is dropping as a record number of Americans are hitting retirement in 2025.
www.forbes.com
November 28, 2025 at 4:02 PM
💭 Retirement Planning in 2025: What’s Really on Americans’ Minds
A recent Forbes article highlights how today’s retirees — and those approaching retirement — are navigating a very different financial landscape than previous generations.
www.forbes.com/sites/jamieh...
A recent Forbes article highlights how today’s retirees — and those approaching retirement — are navigating a very different financial landscape than previous generations.
www.forbes.com/sites/jamieh...
🍁 Happy Thanksgiving from the Plootus Team! 🦃
As we reflect on this season of gratitude, we want to extend a heartfelt thank you to our community—our users, partners, supporters, and everyone who believes in the mission of Plootus.
As we reflect on this season of gratitude, we want to extend a heartfelt thank you to our community—our users, partners, supporters, and everyone who believes in the mission of Plootus.
November 28, 2025 at 1:32 AM
🍁 Happy Thanksgiving from the Plootus Team! 🦃
As we reflect on this season of gratitude, we want to extend a heartfelt thank you to our community—our users, partners, supporters, and everyone who believes in the mission of Plootus.
As we reflect on this season of gratitude, we want to extend a heartfelt thank you to our community—our users, partners, supporters, and everyone who believes in the mission of Plootus.
This week’s market roundup highlights cooling U.S. consumer sentiment, Alphabet’s AI-fueled rally and its risks, and gold’s surge amid rising expectations of a Federal Reserve rate cut.
November 27, 2025 at 3:47 PM
This week’s market roundup highlights cooling U.S. consumer sentiment, Alphabet’s AI-fueled rally and its risks, and gold’s surge amid rising expectations of a Federal Reserve rate cut.
💡 Are Your Financial Wellness Benefits Helping — or Hurting — Employees?
A recent piece in Employee Benefit News highlights an uncomfortable truth: many “financial wellness” programs meant to support employees may actually be holding them back.
www.benefitnews.com/news/organiz...
A recent piece in Employee Benefit News highlights an uncomfortable truth: many “financial wellness” programs meant to support employees may actually be holding them back.
www.benefitnews.com/news/organiz...
Financial wellness benefits that help — and hurt — employees
Many popular financial solutions such as student loan repayment and earned wage access aren't as useful as leaders may think.
www.benefitnews.com
November 26, 2025 at 3:05 PM
💡 Are Your Financial Wellness Benefits Helping — or Hurting — Employees?
A recent piece in Employee Benefit News highlights an uncomfortable truth: many “financial wellness” programs meant to support employees may actually be holding them back.
www.benefitnews.com/news/organiz...
A recent piece in Employee Benefit News highlights an uncomfortable truth: many “financial wellness” programs meant to support employees may actually be holding them back.
www.benefitnews.com/news/organiz...
🏦 New Research Challenges the Idea That Restricting Plan Loans Improves Retirement Security
A new report reveals surprising insights about defined contribution (DC) plan loans — and what they really mean for participant financial health.
www.mcknightsseniorliving.com/news/prohibi...
A new report reveals surprising insights about defined contribution (DC) plan loans — and what they really mean for participant financial health.
www.mcknightsseniorliving.com/news/prohibi...
Prohibiting defined contribution plan loans ‘wouldn't necessarily improve participants’ retirement security,' study finds
Borrowers taking loans from defined contribution plans are mostly likely to use the money for healthcare or housing expenses than for luxuries.
www.mcknightsseniorliving.com
November 26, 2025 at 1:36 AM
🏦 New Research Challenges the Idea That Restricting Plan Loans Improves Retirement Security
A new report reveals surprising insights about defined contribution (DC) plan loans — and what they really mean for participant financial health.
www.mcknightsseniorliving.com/news/prohibi...
A new report reveals surprising insights about defined contribution (DC) plan loans — and what they really mean for participant financial health.
www.mcknightsseniorliving.com/news/prohibi...
🧭 Navigating “Unretirement”
A recent MarketWatch column explores a challenge facing many retirees today: the growing number of Americans who plan to “unretire” — working part-time or on flexible terms — only to find those income sources vanish unexpectedly.
www.marketwatch.com/story/retire...
A recent MarketWatch column explores a challenge facing many retirees today: the growing number of Americans who plan to “unretire” — working part-time or on flexible terms — only to find those income sources vanish unexpectedly.
www.marketwatch.com/story/retire...
Retirees are told to work longer to make ends meet. But what if jobs disappear?
Here are three ways to deal with losing expected income in retirement.
www.marketwatch.com
November 24, 2025 at 3:03 PM
🧭 Navigating “Unretirement”
A recent MarketWatch column explores a challenge facing many retirees today: the growing number of Americans who plan to “unretire” — working part-time or on flexible terms — only to find those income sources vanish unexpectedly.
www.marketwatch.com/story/retire...
A recent MarketWatch column explores a challenge facing many retirees today: the growing number of Americans who plan to “unretire” — working part-time or on flexible terms — only to find those income sources vanish unexpectedly.
www.marketwatch.com/story/retire...
💡 Younger Generations Are Rethinking Retirement — 401(k)s Take Center Stage
A recent report from Cerulli Associates, featured by WealthManagement.com and written by Elaine Misonzhnik, reveals a major generational shift in retirement expectations:
www.wealthmanagement.com/retirement/c...
A recent report from Cerulli Associates, featured by WealthManagement.com and written by Elaine Misonzhnik, reveals a major generational shift in retirement expectations:
www.wealthmanagement.com/retirement/c...
Younger Workers Plan to Rely on 401(k)s in Retirement
Younger workers plan to rely on 401(k)s for retirement income. But healthcare and housing spending spikes can deplete their assets.
www.wealthmanagement.com
November 24, 2025 at 3:50 AM
💡 Younger Generations Are Rethinking Retirement — 401(k)s Take Center Stage
A recent report from Cerulli Associates, featured by WealthManagement.com and written by Elaine Misonzhnik, reveals a major generational shift in retirement expectations:
www.wealthmanagement.com/retirement/c...
A recent report from Cerulli Associates, featured by WealthManagement.com and written by Elaine Misonzhnik, reveals a major generational shift in retirement expectations:
www.wealthmanagement.com/retirement/c...
📊 The Future of Retirement Investing: Target-Date Funds with Built-In Income
The latest PLANSPONSOR Roadmap session spotlighted how Target-Date Funds (TDFs) are evolving to meet participant needs — from asset allocation to guaranteed income integration.
https//www.planspo...
The latest PLANSPONSOR Roadmap session spotlighted how Target-Date Funds (TDFs) are evolving to meet participant needs — from asset allocation to guaranteed income integration.
https//www.planspo...
November 23, 2025 at 2:08 AM
📊 The Future of Retirement Investing: Target-Date Funds with Built-In Income
The latest PLANSPONSOR Roadmap session spotlighted how Target-Date Funds (TDFs) are evolving to meet participant needs — from asset allocation to guaranteed income integration.
https//www.planspo...
The latest PLANSPONSOR Roadmap session spotlighted how Target-Date Funds (TDFs) are evolving to meet participant needs — from asset allocation to guaranteed income integration.
https//www.planspo...
This week’s roundup highlights #Bitcoin's sharp 2025 slump, rising U.S. winter blackout risks from data-center power demand, and new signs of labor-market strain with surging jobless claims.
November 20, 2025 at 12:59 PM
This week’s roundup highlights #Bitcoin's sharp 2025 slump, rising U.S. winter blackout risks from data-center power demand, and new signs of labor-market strain with surging jobless claims.
Why do so many investors try to time the market—even though we know it rarely works?
The answer lies in human psychology.
The answer lies in human psychology.
November 19, 2025 at 4:44 PM
Why do so many investors try to time the market—even though we know it rarely works?
The answer lies in human psychology.
The answer lies in human psychology.
⏳ Are You Financially Ready for a 35-Year Retirement?
Per Marketwatch, the traditional rules of retirement planning are rapidly changing. With more Americans expected to **live past 90—or even 100—**retirement could now last three decades or more.
www.marketwatch.com/story/living...
Per Marketwatch, the traditional rules of retirement planning are rapidly changing. With more Americans expected to **live past 90—or even 100—**retirement could now last three decades or more.
www.marketwatch.com/story/living...
Living past 90 — or even 100 — will become more common. Are you ready for it?
The old rules about retirement may no longer apply.
www.marketwatch.com
November 18, 2025 at 4:07 PM
⏳ Are You Financially Ready for a 35-Year Retirement?
Per Marketwatch, the traditional rules of retirement planning are rapidly changing. With more Americans expected to **live past 90—or even 100—**retirement could now last three decades or more.
www.marketwatch.com/story/living...
Per Marketwatch, the traditional rules of retirement planning are rapidly changing. With more Americans expected to **live past 90—or even 100—**retirement could now last three decades or more.
www.marketwatch.com/story/living...