Old news can be just plain wrong. When it comes to Cuba, things change all the time but the Internet is not very good at dating it's information. Not only are original articles dated in tiny print at the top, if at all, but articles are very often quoted without attention to the date of the quote. For instance, certain regulations about getting to Cuba published by the State Department get changed with administrations and with the whims of the current narcissistic President. These changes may or may not make it into travel sites that proclaim with great confidence that they have the information you need for Cuba. It was not unusual for us to find two or three completely different directions for how to deal with the categories of how you can get there and how to document than intention. As it turned out, it was much easier than we expected, but we were armed with letters and itineraries no one even tried to look at. So right now, in our experience, for the moment, with out particular itinerary, (Mid June 2019) flying and travelling in Cuba is as easy as going to any other country, except for the major pain the currency and no credit cards are. Your mileage may vary. Which is my point.Of the many ways in which the internet is wrong besides getting to Cuba I could address, I suppose I should say something about retirement in this regard. Like investment advice in general, there is a vast array of people making money with completely different approaches. Let the record show that there are also people losing money with different approaches. Like so many things in life, the particular details of an individual's situation make it very hard to generalize recommendations.
When I started teaching speech and preaching, I had a neat curriculum of accepted practices and generalizations that worked most of the time. But even when the tried and true worked, it rarely was exactly what an individual speaker needed to be a great communicator. The longer I taught speech and preaching, the more I relied on coaching individuals on how to change the thing they really really needed to fix to get out of their own way. With this learning in mind, and after talking to many people of different stripes about their plans, the same issues apply to retirement. Not only will some information about the market or about Social Security or about health care be out of date, it may not apply to your situation even after you find the latest best information.
This may suggest, like public speaking, the need for coaching, but be sure your coach is up to date on the facts and your particularities which are listed in another posting.