Keep & Grow
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It's not what you make. It's what you keep.

Every morning, a five-minute money read for Americans at or near retirement. Plain English, no hype. We show you where taxes, fees, and inflation quietly drain your savings, and how to keep more of what you've built.

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Will your savings last?
A one-minute, plain-English estimate.
Savings $300,000Spend $4,000/moIncome $2,000/mo
Your savings would last about 15 years, until roughly age 80.
age 65 runs out
Live and interactive once you subscribe.
Your free gift

Find out if your savings will last, in one minute

The number-one question at retirement is simple and heavy: will my money last? Our free calculator answers it in plain English. Enter your savings, what you spend, your monthly income, and a couple of assumptions, then watch the line move as you change the numbers. No spreadsheets, no jargon, no salesperson.

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An instant, honest answer.See roughly how many years your money lasts and to what age, on your own numbers.
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Plain English, not a spreadsheet.Built for humans. One screen, clear result, a simple chart you can actually read.
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Completely private.It runs in your browser. Nothing you type is sent, stored, or shared.
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See what small changes do.Trim spending or lower fees and watch the years you gain, instantly.
What lands in your inbox

Five minutes that leave you calmer and a little sharper

Every issue follows the same easy rhythm, so you always know where to look. A big story, the Washington angle, a fast scan of everything else, a look ahead, and a calm close, with two clean data tables for the numbers.

1

Above the Fold

The biggest money story of the day, explained simply, with Ray's honest take.
2

From Washington

A law or policy read only one way: what it actually does to your wallet. Never partisan.
3

The Ledger

Yesterday's market close at a glance, the same numbers your savings ride on.
4

Tomorrow Today

One new piece of technology, in plain English, so you see what's coming.
5

The Five

Exactly five quick things worth a minute. The "now I'm caught up" section.
6

The Money Meter

The rates and prices that hit a household: the Fed, mortgages, CDs, gas, inflation.

The Long View

Ray's calm reflection to close the day, seen it before, is it new, where might it lead. Perspective, never a sales pitch.
Peek inside

This is a real issue

Clean, calm, and easy to read on any phone. Here is an actual morning issue, and the two data tables that give every issue its backbone.

A real Keep & Grow issue on a phone
The Ledger — yesterday's market close The Money Meter — rates and prices
Why it matters

The damage is slow, and quiet

Most people brace for a market crash. That is rarely what does the real harm. The harm is slow: a little to taxes, a little to fees, a little to inflation, every single year. No alarm goes off, no headline runs. You just look up one day and the money does not stretch the way it used to. Keep & Grow is built to catch those leaks before they cost you, and to help the rest of your money pay you back.

Start plugging the leaks →
Good to know

Questions, answered

Is it really free?Yes. Keep & Grow is free to read, every day. It's supported by clearly labeled sponsors, never by charging you.
How often will I hear from you?One email each morning, seven days a week, about a five-minute read. That's it.
Who is it for?Americans at or near retirement who manage their own money and want plain talk instead of hype or fear.
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