经济正在放缓,它正在损害许多美国人的退休和经济安全。 通过做这三个步骤来准备长远的发展,让自己掌握自己的未来。

你的雇主是否提供退休福利?

如果你和大多数人一样,在接近领取社会保险的年龄之前,你可能不会考虑退休。 但是,如果想舒适地退休,尽早开始退休计划是很重要的。

你应该做的第一件事就是弄清楚你的雇主是否提供退休福利。 如果他们做到了,那就利用他们吧! 雇主赞助的退休计划可以是一个很好的退休储蓄方式,特别是如果你的雇主提供相匹配的供款。

如果你的雇主不提供退休福利,或者你是自营职业者,仍然有很多方法可以为退休储蓄。 个人退休帐户和401(k)是两种流行的选择。 还有很多不同的投资产品可以帮助你达到退休目标。

不管你有多少积蓄准备退休,你越早开始工作,你的生活就越好。 即使你每个月只有几美元可省,这笔钱会随着时间的推移而累积起来,而复利会让它增长得更快。

你在雇主以外的地方为退休存钱吗?

在雇主以外的地方存钱以备退休之用的方法有很多,包括:

– 为传统IRA或RothIRA供款
– 401(k)、403(b)或其他雇主赞助的退休计划储蓄
– 投资于应课税经纪帐户

无论经济状况如何,为退休储蓄都很重要。 通过使退休储蓄来源多样化,你可以确保你退休时拥有你需要的资金。

你的其他收入来源是什么?

在经济放缓的情况下,还有很多其他收入来源可以帮助你准备退休。 这包括:

-投资收入: 这可以来自多种来源,包括股息、利息和资本收益。

-租金收入: 如果你拥有出租的房产,租金收入可以提供宝贵的退休收入。

-退休金收入: 如果你有幸拥有退休金,这可以提供重要的退休收入来源。

-社会保障: 社会保障是许多人退休收入的重要来源。

– 非全时工作:在退休后从事非全时工作可以提供额外收入以支付费用。

四. 结论

无论经济情况如何,尽快开始准备退休是很重要的。 如果你不知道从哪里开始,有很多资源可以帮助你计划退休生活。 最重要的是从今天开始。

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