Markets go up and markets go down. You have no control over this. Focus on things you can influence. Start by reading this week’s links.

Parents spend too much on their adult children and not enough saving for retirement. CNBC
You are responsible for your own retirement plan. The Belle Curve
Most investments and trusts disappear by the third generation. CNN
When should you fund a Roth IRA? HumbleDollar
Who really benefits from 401(k) plans? Morningstar
Ten states are offering IRA’s for workers with no workplace plan. MarketWatch
Too many people are using their retirement plans as an emergency fund. Barrons
Social Security checks will increase by 2.8% next year. InvestmentNews
Women lose out when they retire with their husbands. Nerdwallet
Some things you can do before year-end to save more for retirement. A Teachable Moment