You have not started and feel too late
Every year of not looking makes looking harder.
Courses
See what you would learn
Understand how retirement saving works before deciding anything.
A course on the basics of retirement planning, for people every article assumes already understand it. It covers how retirement saving works, what compounding and time do, and the questions to ask about your own situation, without recommending products.
Open Cadence on the App Store, type the sentence when it asks what you want to learn, and answer a few setup questions. Free to start. Android testers can request early access.
Type this when Cadence asks what you want to learn
I know I should plan for retirement and every article assumes I already understand it. Explain the basics of how retirement saving works and what questions to ask about my own situation.
Change any word so it fits your situation. The course is built from what you type and a few setup questions.
- Best for
- Personal finance
- Prerequisites
- None. Bring the situation you have.
- Course length
- 7 to 30 lessons, sized to your goal
- Lesson pace
- About 10 minutes a day
- Format
- Read it, or play the audio
- Access
- Available on the App Store, with early features and Android testing access
Before the course is built
Setup asks about your situation first.
Lesson 1 opens on the moment you describe, and the examples use your role. For this request, expect questions like these.
- How far away is retirement for you: decades, years, or already close?
- Do you have a pension or retirement account, and do you understand it?
- Is your worry not having started, or not knowing whether what you have is enough?
Right for now
If any of this sounds familiar, start here.
You have accounts you do not understand
Statements arrive and get filed unread.
Every article assumes knowledge you lack
Terms pile up and nobody explains the basics.
Course arc
Where the course goes, in order.
Cadence writes the lessons for you, so the exact path follows your answers. This is the ground a course built from this sentence covers.
01 / 06How retirement saving works
Contributions, growth, time and the role of tax-advantaged accounts in general terms.
Compounding
Why starting matters more than the amount.
What you might need
How estimates are made, and why yours will be a range.
Where you are
Reading your own statements and accounts.
Common mistakes
Cash for decades, ignoring fees and never looking.
Your questions
What to ask, and who to ask, about your specific situation.
What changes
What you will be able to do, and what you will stop believing.
You will be able to
Understand the mechanism
See how contributions, growth and time combine.
Know what enough means
Understand how people estimate what they will need and why the answers vary.
Ask the right questions
Bring informed questions to your accounts, employer or adviser.
Ideas this course corrects
It is too late to start
Starting late is far better than never. The maths is worse, not hopeless.
Retirement planning is for people with money
It is for people who will stop working. That is almost everyone.
Course questions
What to know before you start.
Is this a fixed course?
No. Cadence builds the course when you type the sentence and answer a few setup questions, so the lessons follow your situation. This page describes what a course built from this request covers. You see the whole path before Lesson 1.
Who is this course for?
A course on the basics of retirement planning, for people every article assumes already understand it. It covers how retirement saving works, what compounding and time do, and the questions to ask about your own situation, without recommending products. It sits under Personal finance in the Life & growth part of the library.
Do I need any prior experience?
No. Setup asks what you already know and where you want to use it, and the course starts from there. Bring a real situation if you have one; the examples are built around it.
How long does it take?
Courses run 7 to 30 lessons of about 10 minutes, sized to what you asked for. One lesson a day is the intended pace, and you can go faster. Lessons can be read or played as audio.
Does this course award a certificate or degree?
No. Cadence is for practical self-learning and does not award accredited degrees or professional certification.
Start today
Type it, answer a few questions, open Lesson 1.
The sentence to type
I know I should plan for retirement and every article assumes I already understand it. Explain the basics of how retirement saving works and what questions to ask about my own situation.
Open Cadence on the App Store, type the sentence when it asks what you want to learn, and answer a few setup questions. Free to start. Android testers can request early access.