Retirement isn’t what it used to be — and neither are the tools meant to help people plan for it.
The old models were built for a world of pensions, steady interest rates, and predictable lifespans. That world is gone, but many tools haven’t evolved to match today’s economic realities, gig economy careers, or longer retirements. Clinging to outdated software and calculators gives people a false sense of security — or worse, leads them to under-save or mismanage their future.
