How Everyday Choices Impact KBR Employees’ Paths to a Stronger Retirement

Healthcare Provider Update: Healthcare Provider for KBR KBR, a company known for its engineering and construction services, provides health insurance through its partnerships with major health insurers. As of now, KBR employees have access to healthcare coverage options primarily through UnitedHealthcare, which is one of the largest health insurers in the United States. This ensures that employees can receive comprehensive health services, including preventive care and specialty treatments. Potential Healthcare Cost Increases in 2026 In 2026, healthcare costs are projected to surge significantly, exacerbated by a challenging blend of factors. Many states are staring down potential increases in health insurance premiums beyond 60%, particularly influenced by the expiration of enhanced federal premium subsidies that could cause out-of-pocket costs to skyrocket by over 75% for most ACA marketplace enrollees. Coupled with rising medical expenses driven by inflation, the anticipated premium hikes reflect a perfect storm for consumers, increasing the financial burden on both individuals and families during a critical period. Insurers report significant revenue growth but also face mounting pressures that may further distress access to affordable healthcare coverage. Click here to learn more

'Many KBR employees overlook how everyday spending habits influence their long-term goals, making it important to understand how consistent financial discipline in small decisions can be just as impactful as major investment choices when preparing for retirement.'— Wesley Boudreaux, a representative of The Retirement Group, a division of Wealth Enhancement.

'KBR employees can strengthen their retirement outlook by recognizing that sustainable wealth often grows from steady, mindful habits rather than big financial moves,' — Patrick Ray, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

1. The hidden cost of convenience and its impact on wealth.

2. How small savings can compound over time to strengthen retirement readiness.

3. Practical money habits that support fiscal discipline across generations.

Maintaining Your Standard of Living: Small Habits That Build Long-Term Wealth

by Brent Wolf, CPA, Wealth Enhancement

I recently spoke with a client who had carefully built significant savings through years of consistent fiscal discipline. When his children remarked that “baby boomers had it easy,” he simply replied, “We just learned to live within our means.” That mindset remains just as valuable today for KBR employees preparing for retirement.

The Hidden Cost of Convenience

Modern conveniences can quietly erode long-term wealth. Services like Uber Eats, DoorDash, and Grubhub can make life easier, but research shows that delivery orders can cost between 80% and 105% more than picking up the same meal yourself. ¹  These additional costs often stem from:

• - Restaurants increasing menu prices by 20–30% for delivery app orders ²

• - Added platform service and delivery fees

• - Extra taxes layered into the total

• - Tips on top of already inflated costs

Essentially, you’re paying more for someone else to handle the task—not for a better product.

How Small Savings Compound Over Time

Choosing to cook at home or pick up meals rather than relying on delivery can save roughly $250 per week, or about $13,000 per year. ³  Over two decades, that amounts to $260,000 in cash savings. If those savings were invested and grew at a 10% annual rate, they could potentially reach $687,300. ⁴  That's a lot of savings for an incremental change, enough to substantially influence retirement readiness for many KBR employees.

Building Better Money Habits

Reducing unnecessary spending doesn’t mean giving up what you enjoy. Consider these practical steps:

• - Call restaurants directly and pick up your meal instead of ordering through apps

• - Prepare more meals at home

• - Walk to nearby restaurants instead of paying for delivery

Long-term fiscal strength often results from steady, thoughtful habits that align with broader goals—something KBR employees can integrate into their daily routines.

Taking the Next Step

Growth rarely comes from one major decision; it’s built through consistent, intentional behaviors. By rethinking spending habits and redirecting small savings, you can make meaningful progress toward long-term retirement goals.

The Retirement Group can help KBR employees understand how everyday savings may support their broader strategy. To discuss how these principles can fit into your retirement planning, call (800) 900-5867 to speak with a financial professional today.

Featured Video

Articles you may find interesting:

Sources:

• 1. Bitter, Alex. “You Might Be Paying Twice as Much by Ordering Take-out Food on DoorDash or Postmates, New Study Says.”  Business Insider , 29 Jan. 2024,  www.businessinsider.com/doordash-postmates-food-delivery-costs-twice-as-much-as-pickup-2024-1 .

• 2. iOrders. ' Why Food Costs More on Uber Eats Than In-Restaurant .' April 30, 2025.

• 3. Top Nutrition Coaching. ' The Cost of Eating Out Versus Eating In by State ,' by Nicolette Star Maggiolo. 2024.

• 4. U.S. Securities and Exchance Commission. ' Compound Interest Calculator .' 

• Other Resources:

• 1. U.S. Bureau of Labor Statistics.  “Consumer Price Index – September 2025.”  U.S. Dept. of Labor, 24 Oct. 2025,  www.bls.gov/news.release/pdf/cpi.pdf .

• 2. U.S. Department of Agriculture, Economic Research Service.  Food Price Outlook: Summary Findings.  25 Sept. 2025,  ers.usda.gov/data-products/food-price-outlook/summary-findings .