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How to Plan for Retirement if You Won’t Have Home Equity to Fall Back On

September 29, 2026 MMN Editor Filed Under: Money.com, SUCCESS

Historically, the typical American household’s biggest asset held was its home. While stock market gains over the past several years have flipped that, giving equities the greatest share of household wealth, homes still remain a major component of net worth for millions of families.
But affordability constraints are pricing more Americans out of the housing market — especially would-be first-time homebuyers who struggle to afford the median down payment of $86,820 (which climbs to well over six figures in many parts of the country). As a result, the first-time homebuyer population is getting older, with some estimates finding that the average age now coincides with middle age.

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A recent survey from life insurer Northwestern Mutual finds that roughly a quarter of millennials and almost a third of Gen Z members say financial challenges have forced them to delay buying a home. With mortgage rates creeping toward 7.5%, these dreams are likely to remain deferred. Anecdotal reports suggest a growing cohort of young adults have rejected the conventional wisdom that homeownership offers a ready path to financial security in retirement.
The upshot? More Americans could reach retirement with little or no home equity — either because they’re still paying off a mortgage or because they spent their working years renting.
“People like the idea of retiring without a mortgage. That may not be realistic anymore,” says Tim Steffen, director of advanced planning at Baird. In addition, homeowners who were able to lock in an ultra-low interest rate by purchasing or refinancing in 2020 or 2021 might be better served financially to keep that low rate rather than pay it off early.
“As you’re heading into retirement, you should make sure you’ve got other resources to support yourself,” he advises.

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What to do if home equity isn’t part of your retirement plan
Not owning a home doesn’t consign you to a retirement of austerity, but you should be more proactive in your preparation, according to planners. If you’re expecting to retire with little — or no — home equity, here are expert-recommended steps you can take now to improve your long-term stability.
Lock in more guaranteed income. “The larger your non-discretionary expenses, the more important it is to have that income flow in place,” says James Mayo, principal at IronFjord Wealth Management in Lakewood, Colo. “For people that have a larger degree of fixed living expenses, I’d be more open to looking at a product like an annuity,” he says. This insurance product, purchased for a lump sum, provides a guaranteed income stream in retirement.
“A basic annuity is a way to buy yourself a very vanilla pension,” Andy Panko, a financial planner in Iselin, N.J., told Money earlier.
At the very least, Mayo suggests waiting to claim Social Security until age 70, when you’ll receive your maximum monthly benefit and take full advantage of delayed retirement credits.
Mayo adds a cautionary note, though. While annuities can provide guaranteed income in retirement, they don’t include regular cost-of-living adjustments (COLAs) like Social Security payments do. While there are inflation-adjusted annuities on the market, those cost more than annuities with fixed payments.
Look into a long-term care insurance policy. Mayo says many homeowners view their house as a resource they could tap if they need long-term care in their final years. While there are potential drawbacks to doing so, it’s a useful strategic starting point. For lifelong renters who don’t expect to have home equity in retirement, long-term care insurance can help replace that resource. (Note, though, that it’s best to purchase this before your retirement years because it can become more expensive and more difficult to get a policy as you age.)
Build tax-diversified savings. While homeowners might be able to tap into the value of their dwelling with a home equity line of credit, renters — even those with well-funded 401(k)s — can run into trouble if they incur a significant, unexpected expense, according to Peter Gallagher, managing director of Unified Retirement Planning Group in Briarcliff Manor, New York.
Withdrawals from tax-deferred accounts are taxed at ordinary income rates, which means a big withdrawal could bump you into a much higher tax bracket, plus expose you to Medicare surcharges levied on high-income retirees. (The challenge this poses is magnified because you’ll need to withdraw more than you need to account for those taxes.)
“It’s a tough situation, really, because with their limited assets… there’s only so many buckets you can draw from,” Gallagher says. Working with a fee-based financial planner can help you explore Roth conversions, which can generally let you withdraw money tax-free in retirement.
Build a savings buffer. Without accrued home equity in retirement, experts say it’s smart to create a cash cushion in a taxable brokerage account — ideally, while you’re still working, so those funds have time to grow. You’ll pay taxes on realized gains, but that will be at the lower capital gains rate.
“I would highly suggest [they] pay themselves first into a brokerage account, even into a balanced fund that can get 6% to 9%,” Gallagher says. “Even if you start with $50 a month in an after-tax account… you have time on your side.”
Commit to future flexibility. Even though homeowners have to cope with rising property taxes and homeowners insurance premiums, “It pales in comparison to rental costs,” Mayo cautions. “[It’s] going to be one of your largest expenses… and it’s unpredictable.”
Renters need to have more flexibility in their budgets — and their lifestyles — to accommodate this uncertainty. “Try not to go into retirement with too many fixed absolute expenses [and] build some flexibility into your budget,” Steffen says.
This can include being willing to move, he adds. “Maybe you look at downsizing, perhaps relocating to a more affordable area. It may not be a lifestyle you can support in retirement. There’s no silver bullet. You just have to learn to work with what you have.”

Killing Suspected Drug Smugglers Became Normal

September 29, 2026 MMN Editor Filed Under: Commentary Culture Investigations

Jacob Sullum, Reason A year after launching his explosive antidrug campaign, President Donald Trump routinely rains death on alleged cocaine couriers.

The Man Trying to Salvage the Midterms for Trump

September 29, 2026 MMN Editor Filed Under: Commentary Culture Investigations

Audrey Fahlberg, Free Press ‘I don’t think there will be a blue wave at all,’ says James Blair, the MAGA operative spearheading a late comeback effort.

Waste of the Day: Defunct Veterans’ Hotline

September 29, 2026 MMN Editor Filed Under: Commentary Culture Investigations

Jeremy Portnoy, RealClearInvestigations Contractors working at the Department of Veterans Affairs’ suicide-prevention hotline earned $11.2 million without answering a single phone call,…

It’s Hard To Get Insurance in California’s Low-Risk Fire Areas

September 29, 2026 MMN Editor Filed Under: Commentary Culture Investigations

Paige St. John, LAT California’s property insurance deserts are spreading, moving down from the overgrown timbered slopes at risk of Sierra wildfires and into the broad valleys crowded with…

Pacers Internal Connection Will Make It Possible To Contend After Franchise’s Worst Season

September 29, 2026 MMN Editor Filed Under: Forbes, SUCCESS

The Indiana Pacers won just 19 games last season and can’t move past those failures. Yet they believe special things are possible once again in 2026-27.

Caravan Of 600+ Migrants Making Its Way Through Mexico To The US Border

September 29, 2026 MMN Editor Filed Under: THE NEWS

Caravan Of 600+ Migrants Making Its Way Through Mexico To The US Border

Authored by Debra Heine via American Greatness,

Hundreds of migrants, largely from Honduras, are currently moving north through Mexico toward the United States, coinciding with the lead-up to the midterm elections in November. Dubbed the “Faith and Hope” (or “Fe y Esperanza”) caravan, the group reportedly left Honduras with about 300 people on September 20, and entered southern Mexico on September 24 via the Rodolfo Robles bridge. The group has since swelled to more than 600 members as migrants from El Salvador, Guatemala, Ecuador, and Haiti joined the original Honduran cohort in Tapachula.

The caravan remains deep inside Mexico with a substantial distance still to travel before it reaches the U.S. border.

Immigration activists say migrants are expecting a Democrat takeover of Congress in the midterms, and a shift toward more relaxed border enforcement.

One caravan leader told a reporter in Spanish that there is a widespread belief that President Trump’s anti-immigration agenda has been very unpopular in the U.S. and will result in both the Senate and the House of representatives falling to Democrats. “This will have major repercussions,” he said.

The Department of Homeland Security (DHS) meanwhile responded to reports of the caravan with a football-themed X post and the phrase “Our time has come.” In a subsequent post, DHS simply stated “The border is closed.”

According to independent border reporter Anthony Aguero, the migrants are being funded by two Non-Governmental Organizations, Proyecto Faro and the Adventist Development and Relief Agency (ADRA).

Proyecto Faro, an “immigrant-led organizing & solidarity” nonprofit based in Rockland County, New York, is funded by a mix of foundations, nonprofits, and government grants, including the Jewish-led Harry Donenfeld Foundation and the Gitlin Family Foundation. ADRA, the humanitarian arm of the Seventh-day Adventist Church, is headquartered in Silver Spring, Maryland.

ADRA is funded mainly by the U.S. government, which has reportedly given it about $385 million over the years. According to Aguero, ADRA was named a partner in the State Department’s new Faith and Community Initiative in August 2026, after being given at least $36 million taxpayer dollars by the end of 2025.

The migrants themselves say they are seeking better living conditions an opportunities in the U.S.

One of the migrants told a reporter in Spanish that no one is pushing them or paying them to come.

“We all set out with a purpose to get to the United States,” he said, adding that Mexican authorities have been supporting the caravan with food and water.

Another migrant argued that God’s creation is meant to be explored so “there shouldn’t be a limit for any man.”

Tyler Durden
Tue, 09/29/2026 – 09:05

New York Magazine’s first ‘Men’s Style’ issue features shirtless trans actor Elliot Page

September 29, 2026 MMN Editor Filed Under: THE NEWS

New York Magazine has released a new men’s style issue, a first for the company, and decided to feature the transgender actor and biological female Elliot Page.In an article headlined, “The Men’s Style Issue” the magazine recalled its history covering men’s fashion.”Over the years, we have often returned to the subject of men’s style. There was the 1971 cover story wondering if men would get into high heels for fall and the 1996 profile of male supermodels (‘They’re hot, they’re rich, they’re openly straight,’ read the cover line),” the magazine wrote. “For several seasons starting in 2006, the back half of the women’s fashion issue was a mini men’s magazine and featured a baby Thom Browne fresh off his first CFDA Award win and metrosexuals done up in their aughts finery sipping Peronis at Bungalow 8.””Now, 20 years later — when even 15-year-olds are ‘hype’ about Ralph, Armani’s got a brand-new designer, and a pair of worn Chrome Hearts jeans can go for $100,000 — feels like the right moment to devote a special issue to men’s style: the power players shaping the business, the new characters shaking up the scene, the old ‘semi-supermodels’ who are still around,” the magazine continued. “We stopped short of announcing another revolution in men’s clothes, though you may soon find guys sauntering through the city in sarongs.”ELLIOT PAGE CLAIMS NO ACTING OFFERS ARISE AFTER ‘THE ODYSSEY,’ HINTS TRANSITION MAY BE WHYThe issue featured multiple covers, including one with Page, and linked to an article headlined “The Boys in the Baths.” The magazine described the piece as “Shvitzing and kibitzing with some of New York’s most stylish men at the East Village’s Russian & Turkish Baths.”Page was among numerous others featured largely unclothed, and described the bathhouse experience.”I went to a bathhouse recently. I’ve only in the past couple of years been like, ‘Yeah, that sounds nice, to like go somewhere and sit around in your body like that.’ I do sing in the shower sometimes,” Page said. “The same songs and lyrics will get stuck in my head, and I don’t know why. Like ‘Do you believe in life after love?’ That’s one I’ll belt out. Or ‘The Sound of Music’: I’ve never seen the movie, which seems crazy, but for some reason I find myself belting out that song in the shower. I can’t explain it.”Political commentator Link Lauren criticized the magazine for promoting a biological female in a male space, arguing that displays of masculinity are already rare in the media.”There is a shortage of masculinity in mainstream media, and for years masculinity itself has been degraded and dismissed as ‘toxic.’ Now New York Magazine launches its first-ever men’s style issue with Elliot Page shirtless, wearing little more than a flimsy necklace with visible mastectomy scars. It’s supposedly about fashion, yet there are barely any clothes. They knew this cover would generate attention and controversy. I don’t think they actually care about men or style — they care about clicks. If it weren’t for ‘transitioning’ we wouldn’t even be talking about this actor. They hadn’t been relevant in years.”DANA WHITE MOCKS CONCERNS ABOUT SO-CALLED ‘TOXIC MASCULINITY,’ WARNS SOCIETY HAS ‘DISPLACED’ YOUNG MENTim Graham, executive editor of media watchdog NewsBusters, blasted the magazine for its choice.”My first reaction is this: I thought these New York magazine people are the smartest graduates from the best journalism schools, and they can’t figure out who is a man and who is a woman for a ‘Men’s Style’ feature. They want to pretend that this guy is a slightly thinner Channing Tatum who could dance in a Magic Mike sequel. They want to pretend none of [us] remember Ellen Page playing pregnant in ‘Juno.’”He concluded by saying that this is part of a larger phenomenon: “Obviously, they seem like they’re borrowing from Glamour magazine making a ‘trans woman’ model on of their ‘Women of the Year’ a while back. They’re striking a woke pose and they expect a round of progressive applause.”CLICK HERE FOR MORE COVERAGE OF MEDIA AND CULTURE

Judge Judy passed the torch to son Adam Levy with one blunt piece of advice

September 29, 2026 MMN Editor Filed Under: THE NEWS

Judge Judy Sheindlin’s son Adam Levy recalled how his famous mother displayed her trademark bluntness while encouraging him before he took the bench for his new syndicated reality court series “Adam’s Law.”Levy, 57, is the presiding judge on the show, which was created by Sheindlin, 83, who also serves as an executive producer through her company Queen Bee Productions. “Adam’s Law” is also produced and distributed in national syndication by CBS Media Ventures.During a recent interview with Fox News Digital, Levy shared the advice that Sheindlin gave him before the television icon handed off the gavel to her son.JUDGE JUDY’S SON ADAM LEVY SAYS HE COULD FIX LOS ANGELES ‘IN A MONTH’”She said, ‘You’ve got this. I know you’ve got this. Have fun, do what you do, don’t let people lead you to places where you don’t feel comfortable, be true to yourself, and don’t screw this up,'” Levy said with a laugh. “That’s what she said.”Prior to her TV fame, Sheindlin was a New York Family Court judge known for her no-nonsense courtroom style. She was appointed to the New York Criminal Court in 1982 and became the supervising judge of Manhattan Family Court in 1986.Sheindin skyrocketed to fame after she was featured in a 1993 “60 Minutes” segment that introduced viewers to her tough, outspoken courtroom demeanor. She went on to star in the syndicated courtroom hit “Judge Judy” for 25 seasons from 1996 to 2021.During its run, “Judge Judy” was the highest-rated courtroom show on television, regularly drawing millions of viewers and becoming one of the most successful syndicated programs in TV history. After wrapping “Judge Judy” in July 2021, Sheindlin returned to the courtroom that November with the Amazon streaming series “Judy Justice.”HAYDEN PANETTIERE AND THE CHILD STARS WHOSE RELATIONSHIPS WITH THEIR MOMAGERS TURNED COMPLICATEDEarlier this month, Sheinlin announced that the October finale of “Judy Justice” would mark her retirement from appearing on TV, and she was passing the torch to Levy.Levy is the son of Sheinlin and her ex-husband Ronald Levy, who also share son Jamie Levy. He has practiced law for 25 years and previously served two terms as the Putnam County District Attorney in New York.JUDGE ADAM LEVY PREVIEWS HIS ‘NITTY-GRITTY’ NEW SHOW – AND HOW HIS STYLE COMPARES TO HIS MOM JUDGE JUDYBefore launching “Adam’s Law” on Sept. 14, Levy appeared as a presiding judge on Prime Video’s “Tribunal Justice” and “Justice on Trial,” two courtroom series created by Sheindlin.While speaking with Fox News Digital, Levy confessed that he was worried about how his mother would judge his performance when he made his TV debut on “Tribunal Justice.” He admitted to feeling pressure to live up to her legacy, and he was anxious over being labeled a “nepo baby.”KAIA GERBER OWNS ‘NEPO BABY’ STATUS WHILE QUESTIONING OTHER CELEBRITY KIDS: ‘SHOW ME WHY YOU DESERVE THIS JOB'”I was nervous,” he recalled. “Not doing what I was doing, that was in my wheelhouse. I didn’t want to disappoint her. And I knew that there were a lot of other people, a lot of other lawyers and judges that were just as qualified, if not more so, to be in the seat I was in.””And, but for my DNA, I would still be trying cases someplace else,” he continued. “So there was a lot of pressure to prove that, and it wasn’t even to myself — because I knew that, again, it was in my wheelhouse — but to show everyone, ‘Listen, I get it. I get this whole nepo baby stuff. I do.’ And I can understand why people sometimes are disappointed and angry and upset and at the offspring of famous people.””But at the same time, I just wanted people to give me a fair shot, a chance,” Levy added.Levy recalled feeling relieved when Sheindlin told him that he was “a natural” after watching him on “Tribunal Justice.””When she saw me for the first time, she said, ‘There, now you know. Now you’ve got nothing to worry about.’ And that was nice to hear,” he said.Levy told Fox News Digital that while Sheindlin has never criticized the rulings that he makes on his shows, she has sometimes shared how she would have handled the cases differently. He explained that the two regularly discuss his cases and Sheindlin is continuing to actively mentor him.JUDGE JUDY PREPARING TO END DECADES-LONG RUN AS TV’S TOUGHEST JUDGE”She’s hands-on,” he said. “She’s not retired. She is rewired. So, while she may not be in front of the camera anymore, that does not mean that she has removed herself from the courtroom genre.””She and I discussed many of the cases before they are tried and when they are taped,” Levy continued. “We will go over the facts of the case. We will go all over the legal issues, the moral issues, we will go over the background information that I have uncovered and how, if at all, to use it during the trial.”Levy said that his discussions with Sheindlin were in keeping with a tradition that his family members, many of whom include prosecutors and defense attorneys, carried on for 30 years.”Whenever we had cases, we would go out to dinner as a family,” he recalled. “And we would — whoever was on trial, we would bring our case file, and we would throw it in the middle of the table.””Everyone would take a piece, and we’d review it,” Levy continued. “We would find the strengths and the weaknesses and how to go about arguing the issues before — whether it was a bench trial with a judge or a jury. I mean, that’s what we did.”JUDGE JUDY WARNS OF ‘DANGER’ IF PROSECUTORS DON’T RETRY LINDSAY CLANCY AFTER MURDER TRIAL ENDS IN MISTRIAL”And that’s what I do now with Judy,” he added. “So I think it’s seamless. The process is seamless. That’s what we do.”Levy explained that his judicial style is “a bit different” than that of his mother, though viewers will also recognize certain similarities.”It is still about taking personal responsibility for yourself, doing the right thing, telling the truth when you’re in court — all of those things are the same,” he said. “The way that I go about it though is my own style. It’s a little more understanding at times, I think, but when someone comes in to court and misrepresents their case or lies, that’s when you’ll see the DNA come out.”Levy also shared that his approach to the litigants who appear before him in court was influenced by his upbringing under Sheindlin’s watchful eye. He told Fox News Digital that he and his brother Jamie could “never” get away with anything while they were growing up.JUDGE JUDY SAYS THOSE WHO DON’T LIKE AMERICA SHOULD ‘GO SOMEWHERE ELSE'”I kid around and I say, hundreds of millions of people have watched her over the last 30 years. And they see a tough lady, a tough judge, cutting through the nonsense, and they see it every day,” he said. “I, when I saw her on TV, would say, ‘Yeah, that’s exactly who I grew up with. Exactly.'””And when the litigants would say something that offended her sense of common sense, or said something that was demonstrably false, I could sympathize with that litigant because I, as a kid, would try to do the same thing,” Levy continued. “And when they would say it, I would just close my eyes and wince because I knew what was coming. And she never disappointed me while watching her on the show.””But in all fairness, at the same time, I also remember when things would happen, and I would tell the truth as a child, as a teenager, and she did not believe something I said that was the truth,” he shared. “And I remembered how that felt. And so with that in mind, as I’m doing the show now, as part of my own style, is not to so quickly reject something someone says if it sounds or if it would seem to be inconsistent with common sense.””Sometimes, things happen that are inconsistent with commonsense,” Levy noted. “Everyday life, things just — you get a curveball. And just because you get a curveball, and you respond to that curveball in a certain way doesn’t mean that — and you tell about it — doesn’t mean that you’re lying.”Levy explained that his childhood experiences led him to make a major format change to “Adam’s Law” that differentiated the series from his mother’s courtroom shows.On “Judge Judy,” Sheindlin generally questioned litigants and reviewed the case file as the proceedings unfolded on camera. She would receive the case materials at the start of each hearing, summarize the dispute, and then question the parties, with much of the evidence being introduced during the televised proceeding.However, Levy said that he built more time into his process so he could thoroughly vet each case before litigants stepped into his courtroom.”I insisted on changing the format to requiring the litigant to provide their evidence before they come to the show so that I could review it,” he said. “And if something did seem off, I was able to examine it, do a background check on it.”GET ENTERTAINMENT SCOOP DELIVERED RIGHT TO YOUR EMAIL BY CLICKING HERE”I was able to spend a little more time or no — I could spend a lot more time,” Levy continued. “Sometimes it would take me a day, one full day, to review one case that would end up 17 minutes on TV.””It would take me 48 hours sometimes to go through it to make sure that, at least to me, I got it right. Because I didn’t want to accuse someone of being a liar, where they were really telling the truth.”When asked who between himself and his mother would be more likely to show mercy if they heard the exact same case separately, Levy had a definitive answer.LIKE WHAT YOU’RE READING? CLICK HERE FOR MORE ENTERTAINMENT NEWS”I would,” Levy said. “Because she has never been on the other end of her takedown. I have.”PUT YOUR ENTERTAINMENT KNOWLEDGE TO THE TEST AND SEE HOW YOU SCORE”I needed mercy from her, so I’m probably more likely to give it than she is,” he added with a laugh.”Adam’s Law” airs weekdays in syndication. Local listings are available on the show’s official website.

JUSTICE SERVED: 73-Year-Old San Francisco Vietnam Veteran Shoots Masked Intruder in the Buttocks After Criminal Drills Through His Door and Attacks Him at 5 A.M.

September 29, 2026 MMN Editor Filed Under: THE NEWS

A 73-year-old Vietnam War veteran in San Francisco shot a masked intruder (Screenshot: CBS News)
An American hero in leftist-run San Francisco showed a criminal intruder what happens when you mess with a Vietnam War veteran.
Shortly after 5 a.m. Saturday, the veteran was asleep on the third floor of his house when strange noises woke him from the floors below. He grabbed his handgun and went downstairs to investigate.
What he found was not a random smash-and-grab.
According to CBS News Bay Area, the masked suspect had already cased the block. Neighbor surveillance video showed the man walking back and forth on 22nd Avenue about 40 minutes before the break-in.
Then he drilled a hole through the wooden first-floor door, unlocked it, and forced his way inside.
The dangerous intruder didn’t come alone. He was accompanied by a 60-pound husky.
“He had a large dog, maybe a 60-pound husky, with him,” the veteran told CBS News.
The burglar grabbed him. The 73-year-old was knocked to his hands and knees. Then the veteran fired one shot.
“I encountered [the burglar] face to face. He kind of grabbed me, and I fell to my hands and knees, and I shot him because physically I felt really threatened. He had already made a deep intrusion into my home,” he said.
He believes the round struck the suspect in the buttocks.
The intruder ran, leaving a trail of blood-stained shoe prints toward Golden Gate Park, and leaving the dog behind. The veteran suffered only minor scrapes to his hands and knees. No charges have been announced against the homeowner.
A short time later, San Francisco police detained an injured man about three miles away near Geary Boulevard and 47th Avenue in the Outer Richmond. Paramedics took him to San Francisco General Hospital with non-life-threatening injuries. Police said they will take him into custody if they confirm he is the burglary suspect. He could face burglary and other charges.
The abandoned husky was later taken by Animal Control.
The veteran’s next-door neighbor, who identified himself only as Michael, told CBS the outcome did not surprise him.
“Our neighbor is really something special. I’m glad that he was able to do this. But it doesn’t surprise me,” Michael said. “He’s definitely got a heroic side to him. He’s a real, true vet.”
The veteran is still shaken.
“I had a little help from a friend, just a little friend,” he said of the handgun. “But I’m just kind of really shook up still.”
WATCH:

The post JUSTICE SERVED: 73-Year-Old San Francisco Vietnam Veteran Shoots Masked Intruder in the Buttocks After Criminal Drills Through His Door and Attacks Him at 5 A.M. appeared first on The Gateway Pundit.

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