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Ready for Retirement?
Disappearing pensions, continued corporate downsizing and stubborn unemployment combine to ignite great concern that many folks still don’t save enough for retirement. Maybe you’ve given up trying to realistically assess your future costs or you simply still spend too much without saving. Whatever the reason, here’s how to get your finances together while you still have time. Granted, you probably endure plenty of good reasons for spending a lot….I suspect, though, that much more blame for our paltry nest eggs is poor savings habits in the first place. These widespread bad habits are actually a crisis, although many folks don’t wake up to any shortage of retirement money unless an age-related or medical condition sends the family into a financial tailspin. Many folks in retirement can spend more annually on prescriptions and basic housing than they earn from pensions, Social Security and retirement-plan investments. Read More…