Retirement is a time for peace and enjoyment. No one wants to live with the endless stress and burden of wondering how they will afford to live comfortably. You’ve worked hard to earn a living for so many years. How can you know that you’ll have enough money to live the retirement you deserve?
Here are some key signs that your retirement savings will not be enough to live on – and what to do:
You have too much risk in your portfolio. If all of your money is invested in one place, you risk running out of money when you stop working and need it most. A balanced portfolio can help you stay financially secure, even in the face of economic turmoil.
Instead of losing everything if the stock market takes a downturn, you should have multiple types of investments, some of which may perform well during tougher times. Don’t let your 401k be your only savings vehicle for retirement. Consider a Roth IRA, a Health Savings Account (HSA), real estate, life insurance, and certain types of annuities in order to create a balanced approach with your money that can provide multiple income streams, various tax advantages, and help protect against market fluctuations.
You haven’t mapped out your retirement income. If you’re focused on your short-term finances and neglecting a future income strategy, you are setting yourself to run out of money down the road. How can you create the income you’ll need to live on when you stop working if you have no idea where it will come from?
You need to identify what reliable income streams you will have in retirement and how much they will provide. This will help you determine what income gaps you may face and start taking steps today, to structure your finances to satisfy those future needs.
You haven’t re-evaluated your investment strategy in years. Your priorities change as you go through life and so should your financial strategy. A decades-old investment strategy that worked in your 30s is usually not the best approach for your 50s. For instance, high-risk investments tend to become less appealing as you age due to a shorter timeline.
As you approach retirement, focus on creating stable and reliable income streams that will last over time. You’ll also want to consider how taxes and inflation will impact your income sources once you are no longer working.
You don’t have a clear plan for your money. You may be spending the bulk of your money each month and trying to save whatever is left over. This often leaves little to save and invest for the future, making it difficult to get ahead and a sure sign that you will run out of money in the future.
The key is to prioritize your future financial security. Saving the right amount for retirement requires you to know exactly where your money is going right now so you can make smart decisions about how to spend or save that money. Without a clear, actionable plan, designing a retirement that you love is much more challenging. For the best place to start, check out Retirement By Design to learn powerful strategies that can help you fund your future retirement with the money you’re wasting today.
It’s never too late to start and addressing the warning signs above can help you get back on track to meeting your goals, no matter how close you are to retirement. In fact, with the right strategy and a firm commitment, you could be surprised that you may even be able to retire earlier than you expected.
If you hope to enjoy retirement and live without the fear of running out of money, the time to act is now! Get your complimentary Retirement Income for Life Blueprint to discover the decisions you can make today to ensure that your future retirement is everything you deserve to enjoy.
Investment advice offered through Copia Wealth Management Advisors, Inc.
Copia Wealth Management Advisors, Inc. is a registered investment advisor.
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SEPTEMBER 1, 2026
The Best Gym in San Diego Isn’t Really a Gym Anymore
Earlier this year, Fit quietly dropped "athletic" from its brand, from Fit Athletic Clubs to simply Fit, and started calling itself something new: a social wellness club.
There’s a version of San Diego that lives in two extremes. On one side, the 5 a.m. crowd: biohackers, marathoners, people who’ve already logged a cold plunge before your alarm goes off. On the other, the after-dark crowd, the ones chasing sunset happy hours and late dinners with friends. Everyone seems to be either optimizing or unwinding, and most of us feel like we’re failing at both.
Fit, San Diego’s reigning Best Gym for the third year running, has built its entire identity around erasing that divide.
Walk into one of Fit’s three San Diego locations on a Tuesday afternoon and the lines blur fast. Someone’s mid-set on the squat rack. Someone else has a laptop open at a café table a few feet away, half-working, half-people-watching. A group is trading plans for the weekend’s event by the recovery lounge. Nobody’s in a rush to leave.
“We’re not competing for the same people,” says Emily Waybright, Public Relations Manager at Fit, addressing the arrival of a national luxury gym chain in San Diego this year. “We don’t really feel like we’re in the gym category. It’s this unique thing.”
That unique thing has a name now. Earlier this year, Fit quietly dropped “athletic” from its brand, from Fit Athletic Clubs to simply Fit, and started calling itself something new: a social wellness club.
It’s a small wording change with a bigger idea behind it. Fit was never built around escaping the workday. It was built around the people who genuinely like what they do, and who want workouts, work, and friendships to happen in the same place instead of three separate ones. Because sometimes red light therapy with a stranger turns into weekend plans.
Fit’s philosophy traces back to its founder, who started the brand nearly two decades ago after failing to find a gym he actually wanted to belong to. He looked instead to the old-school country club, where people came for a shared interest and stayed for the community. His version was made for a younger generation, minus the golf, plus the loud music.
Which makes it a little ironic that the very award putting Fit back in the spotlight this year is Best Gym.
What does the best traditional gym look like when the definition of a gym is becoming less traditional? It’s a fair question, and Fit’s answer is that the fitness industry itself is shifting. The 45-minutes-in, 45-minutes-out model is giving way to something closer to a genuine third space, the kind of role the office and the bar used to play before remote work and changing nightlife habits rearranged how people spend their time
For Fit, community isn’t a marketing add-on to fitness. It’s the through-line. Members aren’t just paying for a treadmill; they’re paying for an entire day of social wellness that’s built on performance, recovery, connection, and a plan for the next event on the calendar. That’s a much harder membership to walk away from.
Ambition and ease aren’t opposites here, they exist side by side, where passion and play share the same morning. On September 12, Fit is hosting Sol, a full day wellness festival at Fit Social. The morning focuses on wellness classes and vendors and then the evening is a full party with multiple DJ sets and an open bar. Think of it as a kick-off to locals’ summer in San Diego.
Ready to see what a social wellness club actually looks like? Visit fitclubs.com, or follow along at @thefitclubs on Instagram.
Growing up, Laika Nur, MD, Scripps Clinic sports medicine specialist, loved watching beach volleyball when the Association of Volleyball Professionals tour came to her hometown of Chicago. A talented volleyball player herself, she remembers sitting in the stands all day, and once, even got a couple autographs. Years later, Dr. Nur was attending a professional event focused on women’s sports, and the discussion turned to a new professional women’s volleyball league. The general manager and coaching staff for San Diego’s team, the Mojo, happened to be in attendance, and Dr. Nur took the opportunity to ask them if they needed a team doctor. Flash forward to the Mojo’s inaugural 2024 season, when Dr. Nur officially became the team physician. Click here to read more about Dr. Nur and how she incorporates lessons she learned on the court into her practice.
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Your feet and ankles probably aren’t something you give much thought to—until something goes wrong. Orthopedic surgeons at Scripps Clinic are on the leading edge of foot and ankle reconstruction, treating patients with sports injuries, deformities, traumatic injuries and other conditions. That includes repairing torn Achilles tendons with a minimally invasive procedure that shrinks the incision site to less than a centimeter, and performing advanced ankle replacement on some patients with ankle arthritis. Read more about Scripps’ innovations in foot and ankle care here.
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Mai Vue was just 34 weeks pregnant when she delivered her baby. Her pregnancy had been complicated, and she’d had a recent second trimester pregnancy loss, which led to her receiving specialized care from Sean Daneshmand, MD, a Scripps Clinic perinatologist who oversees high-risk pregnancies. Dr. Daneshmand and his team took care of Mai during her pregnancy, through the birth of her healthy baby girl and beyond. Mai was part of a program Scripps launched to provide support to new moms in the weeks and months after delivery. The postpartum program, known as Scripps Health’s Fourth Trimester Continuum of Care, provides care for women with high-risk pregnancies to optimize their health after childbirth and reduce the risk of complications in future pregnancies. Click here to learn more.
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It’s estimated that one in five people in the U.S. will develop skin cancer at some point in their lives. When you factor in living in a sun-soaked city like San Diego and the outdoorsy lifestyle that comes with it, that figure can jump to as high as one in three, which makes early detection and intervention all the more important. Dermatologists at Bighorn Mohs and Dermatology Center are using innovative imaging methods and advanced surgical techniques to diagnose and treat skin cancer. For certain cancers in sensitive spots, like the face, dermatologists perform Mohs surgery, removing skin tissue layer by layer until reaching healthy, cancer-free tissue. They also use a process called immunohistochemistry to view tissue samples taken during Mohs surgery in far greater detail than previous methods. Read more about how Scripps is advancing skin cancer care here.
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When endurance athlete Isaac Sanchez learned he had cancer, he felt blindsided. He was healthy, surfed often and was training for an Ironman triathlon. But he had to put that on hold to undergo treatment. His physicians at Scripps Cancer Center developed a plan to treat the cancer in his tonsil and lymph nodes that included six-and-a-half weeks of near-daily radiation and weekly chemotherapy. He also worked with a Scripps Cancer Center dietitian to enhance his nutrition to promote strength and healing. Today, Isaac’s back to doing what he loves. Read more of his story here.
For more nutrition, wellness, and healthy living tips, sign up for the San Diego Health newsletter here.
