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Episode 17 · Money for a longer retirement

Janna Herron

Award-winning journalist and co-author of Retirement Bites

On Retirement Navigator

Feel Behind on Retirement? The Napkin Math for Ages 50, 60 and 67

Janna Herron

Listen · October 1, 2026

“When we talk about personal finances, I don't think it's as personal as people would like to think … It's not all on your shoulders either.”

— Janna Herron, Episode 17, at 3:14

About Janna

Janna Herron is an award-winning journalist with two decades of experience covering personal finance, retirement, taxes, real estate and economics. She previously served as Senior Columnist and on-air expert at Yahoo Finance, where she covered the forces shaping financial security and wealth-building, and has held roles at USA TODAY, Bankrate and The Associated Press.

Known for turning complex financial and economic issues into practical, easy-to-understand guidance, Janna helps everyday people make better decisions about their money.

She is the co-author, with Kerry Hannon, of Retirement Bites: A Gen X Guide to Securing Your Financial Future (2025) — a book born from her reporting on a generation caught between pensions and do-it-yourself retirement planning, with little guidance on how to bridge the gap.

Credentials

  • Award-winning journalist, two decades covering personal finance
  • Former Senior Columnist & On-Air Expert, Yahoo Finance
  • Former roles at USA Today, Bankrate and The Associated Press
  • Co-author, Retirement Bites, a Wall Street Journal Best Book of the Year

Follow Janna's Work

Retirement Bites book cover

The book

A Wall Street Journal Best Book of the Year

Retirement Bites

A Gen X Guide to Securing Your Financial Future

with Kerry Hannon · Basic Venture, 2025

Her co-author, Kerry Hannon — once her reporter at Yahoo Finance — was our guest on Episode 11. Listen to Kerry's episode →

What you'll learn


  • Simple savings benchmarks by age (50, 60, 67) to gauge where you stand
  • How to calculate what you'll actually need, using your income and your Social Security estimate
  • Why Medicare does not cover long-term care, and what options exist instead
  • Medicaid's five-year look-back rule, and why early planning matters
  • How to start honest financial conversations with aging parents before a crisis hits
  • Why paying off debt — especially credit card debt — comes first
  • How health changes in your 40s and 50s affect your finances later

In this episode


  • 00:00Meet Janna Herron
  • 02:23Personal Finance Isn't That Personal
  • 05:06Today's Housing Crunch
  • 06:53The Oldest Gen Xers Turn 61
  • 10:05Caught Between Pensions and 401(k)s
  • 11:46Auto-Enrollment and "Leakage"
  • 14:43The Great Wealth Transfer
  • 17:02Am I Behind? The Napkin Math
  • 20:01Counting What You Actually Have
  • 21:57Long-Term Care and Medicaid's Look-Back
  • 25:38Working Longer, On Your Terms
  • 27:49Why She Wrote Retirement Bites
  • 29:45You Still Have Time
  • 32:29Your Health Is a Money Decision
  • 35:20Talking to Your Parents Early
  • 37:25Where to Find Janna

More conversations


Her co-author, Kerry Hannon — once her reporter at Yahoo Finance — was our guest on Episode 11.

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