Hi, Friends!

Every week I ask myself the same question before I sit down to write: what's actually worth five minutes of your time right now? This week, two things kept coming back.

The first is a number most of us have never been taught to track, not our savings, not our Social Security check, but our health, and what it quietly costs (or saves) us in retirement. I didn't expect the research to hit as hard as it did. It changed how I think about my own checkup I'd been putting off.

The second is lighter, but still useful: this fall's travel savings aren't showing up where they used to. I wanted you to know before you book anything.

Neither of these is about doing more. They're both about paying attention to something you already have, before life spends it for you.

Warmly,
Mike Bridges

Most retirement planning starts and ends with one number: the account balance. Rarely does it include a second number that may matter just as much — how healthy you'll be when you get there. New 2026 data puts a real dollar figure on the gap between those two retirees, and it's larger than most people expect.

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The old advice, book in the fall, everything gets cheaper, isn't holding up quite the way it used to. Broad discounts on flights and hotels have narrowed at many popular destinations this year, and in some cases disappeared. That doesn't mean fall travel stopped being worth it. It means the value moved.

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