<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Retirement, Plainly</title><link>https://retire-plain.howlane.com/</link><atom:link href="https://retire-plain.howlane.com/feed.xml" rel="self" type="application/rss+xml"/><description>Retirement basics explained without jargon or sales pitches.</description><language>en</language><lastBuildDate>Fri, 09 Oct 2026 12:00:00 GMT</lastBuildDate><item><title>Claiming Social Security Early, What It Really Costs</title><link>https://retire-plain.howlane.com/claiming-social-security-early-what-it-really-costs/</link><guid>https://retire-plain.howlane.com/claiming-social-security-early-what-it-really-costs/</guid><pubDate>Fri, 09 Oct 2026 12:00:00 GMT</pubDate><description>The exact benefit reduction for claiming Social Security retirement benefits at 62 instead of full retirement age, using SSA's own figures.</description></item><item><title>Employer 401(k) Match, Explained With the Actual Numbers</title><link>https://retire-plain.howlane.com/employer-401k-match-explained-with-the-actual-numbers/</link><guid>https://retire-plain.howlane.com/employer-401k-match-explained-with-the-actual-numbers/</guid><pubDate>Fri, 09 Oct 2026 12:00:00 GMT</pubDate><description>How employer matching contributions work under IRS rules, with a worked example showing exactly how much free money different contribution levels unlock.</description></item><item><title>Required Minimum Distributions, When They Start and How They're Calculated</title><link>https://retire-plain.howlane.com/required-minimum-distributions-when-they-start-and-how-theyre-calculated/</link><guid>https://retire-plain.howlane.com/required-minimum-distributions-when-they-start-and-how-theyre-calculated/</guid><pubDate>Fri, 09 Oct 2026 12:00:00 GMT</pubDate><description>The IRS age rule and divisor table behind required minimum distributions from traditional retirement accounts, with a worked calculation.</description></item><item><title>Retirement Accounts, the Basic Types</title><link>https://retire-plain.howlane.com/retirement-accounts-the-basic-types/</link><guid>https://retire-plain.howlane.com/retirement-accounts-the-basic-types/</guid><pubDate>Fri, 09 Oct 2026 12:00:00 GMT</pubDate><description>A plain-language overview of the main US retirement account types the IRS recognizes, and how their tax treatment differs.</description></item></channel></rss>