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    <description>Plain answers to the questions that come up on the way to retirement and through it.</description>
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      <title>How much do you need to retire?</title>
      <link>https://planharborapp.com/articles/how-much-to-retire/</link>
      <guid>https://planharborapp.com/articles/how-much-to-retire/</guid>
      <description>What you need depends on what you'll spend, the income that keeps coming in, and how long your money has to last.</description>
      <pubDate>Thu, 08 Oct 2026 12:00:00 GMT</pubDate>
    </item>
    <item>
      <title>When should you start Social Security?</title>
      <link>https://planharborapp.com/articles/when-to-start-social-security/</link>
      <guid>https://planharborapp.com/articles/when-to-start-social-security/</guid>
      <description>You can start Social Security at any age from 62 to 70. The age you choose sets the size of your check for life.</description>
      <pubDate>Thu, 08 Oct 2026 12:00:00 GMT</pubDate>
    </item>
    <item>
      <title>Required minimum distributions: what they mean for you</title>
      <link>https://planharborapp.com/articles/required-minimum-distributions/</link>
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      <description>From a certain age, money in tax-deferred accounts must start coming out each year. Here's when, how much and why it matters.</description>
      <pubDate>Thu, 08 Oct 2026 12:00:00 GMT</pubDate>
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    <item>
      <title>Healthcare before and after Medicare</title>
      <link>https://planharborapp.com/articles/healthcare-before-and-after-medicare/</link>
      <guid>https://planharborapp.com/articles/healthcare-before-and-after-medicare/</guid>
      <description>Healthcare is one of the largest costs in retirement, and it changes at 65. What to plan for before Medicare and after.</description>
      <pubDate>Thu, 08 Oct 2026 12:00:00 GMT</pubDate>
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