In this guide
How will I replace my paycheck?
Describe an ordinary month
Begin with housing, food, transportation, healthcare, and the activities that matter to you. Keep regular spending separate from occasional expenses such as a home repair or family trip.
Put your income sources on one page
List work income, Social Security estimates, pensions, and accounts you may draw on. Note the questions you have about each source, including timing, access, and the tax information you still need.
Make room for change
Use the conversation to explore what you would revisit if spending, family needs, or your work plans changed. This is a preparation exercise, not an income projection or a recommendation to buy or sell anything.
Keep learning from official sources
Use official guidance for current rules and your personal circumstances.
Social Security Administration — Retirement benefits (opens in a new tab)For general education and conversation preparation. This is not individualized financial, investment, tax, legal, or insurance advice. Talking Turning 65 is a private resource, not a government agency. Read our disclosures.