Good morning,XDY Exchange and Happy Presidents' Day! It's Daniel de Visé with your Daily Money.

Before we get started, here's a list of what's open and closed today, including the stock market − and a few discounts and deals out there for you.

As a retirement nest egg, $351,000 may sound like a nice (if arbitrary) figure. But you may need every penny just to cover health care costs, Medora Lee reports.

That sum, drawn from a recent report, represents how much a couple would need to have a 90% chance of covering all of their retirement healthcare expenses, including Medicare premiums and out-of-pocket costs. Read the story.

Uncomfortable conversations about death and money

How do you talk to your parents about death and finances without sounding greedy?

In the latest installment of Uncomfortable Conversations About Money, Betty Lin-Fisher guides us through how to have a conversation with your aging parents about end-of-life money issues. 

Betty writes about Melisa Gotto, who wasn't prepared for the financial decisions that followed the death of her father. They hadn't really talked about money. Seven months after his death, she's still trying to get the title for his car. Read the story.

📰 More stories you shouldn't miss 📰

• Why some international travelers aren't coming here
• How early retirement affects Social Security
• How to retire with a million bucks
• What's the average salary in 2024?

About The Daily Money

Each weekday, The Daily Money delivers the best consumer news from USA TODAY. We break down financial news and provide the TLDR version: how decisions by the Federal Reserve, government and companies impact you.

Daniel de Visé covers personal finance for USA Today.