$800K or $1.3M? Find Your State’s Retirement Number + 2 More Weekend Moves

Three simple ways to get your retirement on track by Monday

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September 19, 2026 2:00pm EDT

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Give Your Retirement Plan a Quick Tune-Up

When was the last time you checked on your retirement strategy? A quick check can go a long way. It won’t take long to see what you’ve saved, check what you may need, and make sure your investments still fit where you’re headed.

Take a peek at your retirement savings.

Find out your state’s retirement price tag.

See if your investment mix is so five years ago.

Take a peek at your retirement savings.

Between multiple jobs and new accounts over the years, it’s easy to lose track of where your retirement money actually is and how to access it.

Weekend Move: Grab some coffee and track down your 401(k)s, IRAs, and any other retirement accounts you may have. Find your account names and passwords, and get a rough total of your savings. Understanding what you’re working with is the first step to making a smart money move. Record your login details somewhere secure so you can get to your accounts easily next time.

No IRA? Open one today

Find out your state’s retirement price tag.

Where you live plays a big role in how far your retirement savings will stretch. A typical American couple will need about $1.16 million to retire comfortably, according to an Investopedia analysis, but nest egg targets range from around $800,000 to $1.33 million.

Weekend Move: Learn about the estimated retirement cost in your state. The more affordable states tend to cluster in the Plains and Appalachian regions, while the West and East Coasts tend to be more expensive. Whether you plan to stay put or relocate, knowing the price tag of your ideal home can help you determine if your savings are on track.

Check this state-by-state breakdown of retirement costs for couples

See if your investment mix is so five years ago.

What worked five or 10 years ago might not be the best idea today. As you get closer to or move beyond retirement, your ideal mix of stocks, bonds, and cash should evolve so you’re not taking on unnecessary risk.

Weekend Move: Review your asset allocation across all of your retirement accounts and other investments. If you’ve drifted away from your intended risk level and goal, it may be time to rebalance, or you may need to reevaluate your risk tolerance altogether. If this sounds daunting, automated platforms can monitor your investments and rebalance your assets according to your risk tolerance.

Let a robo-advisor handle the heavy lifting

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Rates are the highest nationally available across banks, credit unions, and brokerages as of 9/17/26.

By The Numbers

Couples tend to spend less money than solo retirees. An ordinary retired couple aged 65 or older spends around $84,000 per year, compared to about $60,000 for single retirees—$18,000 less per person. The savings come from shared rent, mortgage, and other bills.