Robyn Dixon’s Black Ribbed Dress in Miami

Real Housewives of Potomac Season 7 Episode 9 Fashion

They should credit Robyn Dixon as a producer on last night’s episode. She managed to produce a whole production of Candiace’s rant at the final dinner. And she managed to produce a simple and chic look whle doing so. She wore a black ribbed dress which I think is a solid go-to for any event even an “ambush”. Either way if you find yourself “sitting and scrolling” today make sure to scroll down to the links and Style Stealers below.

Sincerely Stylish,

Jess

Click Here Shop Her Atoir Dress

Originally posted at: Robyn Dixon’s Black Ribbed Dress

For many women, the years after 60 are dominated by the transition into retirement. Finally, all the savings and investing you’ve been doing for decades feel real. Your last day at the office isn’t out of reach; you can start pulling money from your retirement plans penalty-free and soon begin collecting Social Security.

As you navigate your 60s, consider these eight smart money moves.

Consolidate Your Retirement Accounts

If you’ve worked for more than one company throughout your career, you likely have multiple retirement accounts at different institutions. If you haven’t done so, now is the time to consolidate everything into one central account.

Utilizing one prominent account will make tracking statements, balances, and logins easier. Plus, if you need to take required minimum distributions (RMDs), it will be easier to keep track so you don’t miss an RMD and get hit with a hefty penalty. In addition, ensuring that the same asset allocation is standard across all accounts is much more complicated when you have many different accounts.

Decrease High-Interest Debt

If you have high-interest debts, such as credit card debt, personal loans, or student loan debt, now is the time to pay it off. Follow the snowball or avalanche debt paydown strategy to eliminate your debt one at a time.

As you get closer to retiring, the last thing you want to worry about is unpaid balances on your credit cards. If you overspend by using a credit card, lock the account or cut up the card and don’t request a new one. Instead of using a credit card, try an envelope system to get control over your spending and conquer your debt permanently.

Know Your Target Nest Egg

Do you know how much your retirement nest egg needs to be to retire? If not, create a desired annual budget for your retirement. Include everything from necessities to splurges. Then, using the basic assumption that you will live 25 years in retirement, you can estimate a 4% withdrawal rate per year or multiply your annual budget by 25.

You may find that you have already hit your target nest egg and can support your annual retirement budget with your investment income. Or you may need to save more.

If the latter, you have a few options: you can reduce your budget in retirement, save more for retirement now, or plan to work longer. Depending on your retirement plan, you might need to combine a couple of these options. But above all, it is essential to know your target nest egg before you retire.

Give Your Retirement Plan a Test Run

Sitting on the beach daily might get boring if that’s your only plan for the next 25 years. If you can, consider taking a month or two off from work to see if your retirement plans will be ideal for you long-term.

You will also want to determine if the financial logistics are doable. During your test run, you should track your spending and compare it with how much you plan to withdraw during retirement. If your expected retirement income isn’t enough to support your desired lifestyle, consider consulting with a financial planner to get the most out of your nest egg.

Have a Plan for Long-Term Care

Long-term care may not be the most exciting thing to think about, but about 70% of Americans over 65 are expected to require some long-term care in the future, according to a Genworth study.

If you don’t have long-term care insurance, you will either have to pay for it out of pocket or rely on family or Medicaid to support you. No matter what you decide, it’s best to share your long-term care wishes with the people who may be affected.

Reevaluate Your Insurance Policies

Analyze your insurance policies against your needs. Unless your partner doesn’t work or you are highly underprepared to retire, it will be unlikely that you will need to pay for life or disability insurance coverage.

Evaluate your car and home insurance policies yearly to check for differences in coverage amounts and compare policies across competitors. If you have trouble and want someone to review your insurance policies, speak with a financial professional.

Make a Health Care Plan

Medicare eligibility begins at age 65; if you are considering retiring before 65, you will have to consider your health insurance options. Few employer plans offer continued group health insurance in retirement.

However, look into COBRA coverage if you have an 18-month buffer before you hit 65. It is essential to understand that coverage under COBRA is often more expensive than the group employer plan.

Another option for bridging the gap is purchasing marketplace health insurance. However, purchasing marketplace health insurance is often not suggested, as premiums are likely to be high for those who are 60. In addition, those with pre-existing conditions may not be able to purchase coverage.

If you are turning 65 soon, watch out for the Medicare enrollment period to limit a late enrollment penalty. Before enrolling, educate yourself on the four parts of Medicare and the coverage options. Many Americans don’t realize that Original Medicare does not cover long-term care, hearing aids, or dental care.

Update and Organize Your Documents

As you prepare your finances, your financial plan shouldn’t be a puzzle. Tell your family or financial professional about changes to your financial situation. A collection of documents should include your will or trust, legal documents, insurance policies, account information, and a list of important contacts.

If your documents haven’t been updated in the last year, now is the time to ensure that everything is up to date.

Let’s Have a Conversation:

What financial moves have you made in your 60s? What do you wish you knew about managing your finances in your 60s? What other money advice would you add to this list?

Robyn Dixon’s Neon Green Jumpsuit in Miami

Real Housewives of Potomac Season 7 Episode 9 Fashion

I agree with Robyn Dixon, I don’t think I would have chosen a green wide leg jumpsuit for a booze cruise. But hey, nobody knew that’s what they had in store. Something we do know that’s in store is Robyn’s jumpsuit though. Meaning we all should cruise down to the link below to snatch it up and take it for a spin ourselves.

Sincerely Stylish,

Jess

Click Here to Shop Her Jumpsuit

Originally posted at: Robyn Dixon’s Neon Green Jumpsuit

If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

After a night of restlessness or in the midst of a hectic week, the last thing you want to worry about are dark circles or puffy under eyes. Apparently, there’s a foolproof way to get rid of these annoyances in just 20 minutes. Earlier this year, everyone’s favorite new TikTok darling, Selena Gomez, shared her multi-step skincare routine that added up to $548. Although we all love skincare as much as Gomez, not everyone has access to a celeb-budget, which is why I’m always on the hunt for grade A alternatives.

One of the products included in Gomez’s skincare line up was the Peter Thomas Roth’s Hydra Gel Eye Patches that are infused with 24K gold. These eye patches retail for $75 for a pack of 60, which means if you’re planning on using them nightly, you’ll be shelling out nearly $100 every two months. In order to keep your under eyes glowing without having to get a second job, allow me to introduce you to this similar option (which happens to be 20 percent off right now) that routinely gets 4.8 out of 5 stars from happy shoppers.

Like the Peter Thomas Roth eye patches, this Amazon find is also infused with 24K pure gold, along with other skin-soothing ingredients; the patches are packed with glycerin and collagen so that when they’re applied to your skin, it gets a boost in elasticity and water retention. Glycyrrhiza uralensis extract (a.k.a. licorice extract) helps reduce the appearance of fine lines, too. All you have to do is pop a pair of these eye patches on for 10 to 15 minutes before removing and gently tapping in any remaining serum.

Courtesy of Dermora Store.

24K Gold Eye Mask Puffy Eyes and Dark Circles Treatment

One Amazon shopper wrote: “I have hit the jackpot with this! I have truly looked for and tried everything under the sun for the dark circles and bags under my eyes, and to find something that actually does work makes me so very happy!” They added, “It’s like a magic eraser for your eyes.”

The jar of patches also comes with a small spatula so you can easily remove the product without having to touch it with your bare hands. And if you want an extra cooling effect, keep these patches in the fridge like other shoppers recommend. “I keep the tub in the refrigerator, and love to apply them chilled after a long bath,” wrote one shopper. “Under my eyes and near crows feet feel soft and hydrated after using. They also feel wonderful after a day out in the hot sun,” they added.

Not only are they ideal for using before big days at work, prior to nights out or ahead of events where you want to look and feel like your best self, they’re simple to use, too. The patches are designed to stay in place, so you can go about your day as normal while you use them. Customers also love that the under eye patches remain irritation-free on their sensitive skin.

If you’ve had your eye on 24K gold patches ever since Gomez came out with her skincare routine, now’s your chance to try them out for yourself for an affordable price, especially since Amazon is offering a 20 percent off with every order. Now, excuse us while we stock up on this pack of 20 patches.