Turning savings into income.
Ladders, annuities, an income floor, dividends, and home equity — the ways to build a paycheck in retirement.
Every guide in this cluster
Bond, CD, and Treasury Ladders: Predictable Retirement Income (2026)
A ladder staggers maturities so something matures every year and rate risk disappears if you hold to maturity. Treasuries vs CDs, the tax edge, and a builder.
SPIA vs. Deferred Annuity vs. QLAC: Income Now or Later (2026)
A SPIA pays income now; a deferred annuity pays later for more; a QLAC adds an RMD-cutting tax superpower. How the three compare, and a QLAC RMD calculator.
Do You Need an Annuity? Guaranteed Income and the Income Floor
An annuity is a pension you buy. How the income floor works, the 2026 payout math, the real downsides — and why federal retirees often already own the best annuity there is.
Dividend & Income Investing in Retirement
Qualified vs. ordinary dividend taxes, the 0% bracket, dividend growth vs. high yield, and asset location — with a dividend income projector.
Reverse Mortgages (HECM) in Retirement: How They Work (2026)
The 62+ rules, the 2026 $1,249,125 limit, payout options, costs, non-recourse protection, and the growing credit-line strategy — with a proceeds estimator.
Back to the full pillar
This is one cluster of the Retirement Savings pillar. Explore how much you need, withdrawal strategy, income & annuities, and more in the full pillar.
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