Get serious about retirement: With people living longer and Social Security providing only a portion of needed income, workers of every age will have to save more of their own money to live comfortably after retiring. If your employer matches contributions for your 401(k), it's a no-brainer to max out the match, says Joanna Pratt, vice president at NerdWallet, a personal-finance website. Then you can put any remaining money into an individual retirement account, which typically has low fees and tax advantages, and lets you contribute up to $5,500 every year ($6,500 if you're 50 or older). Set up automatic contributions from your paycheck to the 401(k).
认真对待退休问题:由于人们的寿命变长,而社保只能提供一部分所需收入,每个年龄段的人都得自己存下更多的钱以便在退休后过上舒适的生活。个人理财网站NerdWallet的副总裁乔安娜・普拉特(Joanna Pratt)称,如果雇主配合缴纳与你的401(k)缴费额相等的费用,使配合缴费额达到最高限度会是件简单的事情。接下来你可以把余钱存入一个个人退休账户,该类账户一般费用低且有税收优惠,每年的存款上限为5,500美元(如果你的年龄在50岁以上,上限则为6,500美元)。设置自动扣减工资将钱转入401(k)账户。
Think you don't have enough money to save for retirement? Track your spending habits over one month and try to find 2% of your expenses that you can use for 401(k) contributions, says Mr. Smith.
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