💰Retirement 101: Securing Your Future Today

There’s less than a month left before we dive into a whole new year so this is your sign to get ahead of your finances today. Planning for retirement doesn’t have to be complicated but the earlier you start, the better. 

By taking small, consistent steps, you can build a comfortable future. Here’s how:

1. Start Early – The earlier you save, the more you benefit from compound interest. Even $200/month starting at 25 can grow to $500,000 by 65!
2. Set Clear Goals – Define your retirement lifestyle and estimate your needs, accounting for healthcare, inflation, and longevity.
3. Maximize Contributions – Take full advantage of 401(k) employer matches, IRAs, and catch-up contributions if you're over 50.
4. Diversify Investments – Balance stocks, bonds, and other assets based on your age and risk tolerance.
5. Pay Down Debt – Enter retirement with minimal debt to stretch your savings further.
6. Plan for Healthcare Costs – Contribute to an HSA and explore Medicare options to manage medical expenses.

Feeling overwhelmed? Get your very own customized step-by-step money plan that will teach you exactly how to reach these goals and more. Start by answering a few questions here.

The earlier you take action, the easier it is to secure your dream retirement. Start today—your future self will thank you!

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