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Where Do I Start?
Saving for retirement is one of the smartest financial choices you
can make. Even if your retirement seems a lifetime away, it pays to start now.
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Time really is money – the earlier you start, the more you’ll have!
First and foremost, start taking advantage of the retirement accounts
that are available to you. Does your employer offer a 401(k) plan? Taking advantage of an
employer match is the most efficient way to start saving. It’s like free money!
Even when money can be tight, you’ve heard it before: pay yourself first. With
automatic deduction, you won’t even miss it. Even a small amount of regular retirement savings has the
potential to add up over time.
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Here are some resources that may be helpful:
Top 10 Ways to Prepare for Retirement, from the US Department of Labor (Note: Contains 2007 contribution limits)
Preparing for Their Future: A Look at the Financial State of Gen X and Gen Y, from the American Savings Education Council (ASEC)
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