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There's More to Retirement Than Saving Money!

There's More to Retirement Than Saving Money! PDF Author: David Latch
Publisher:
ISBN:
Category :
Languages : en
Pages : 134

Book Description
When it comes to preparing for retirement, many people fixate on amassing a pile of cash, their return on investment, and compound interest opportunities to reach that "magical number." Yet, while saving is important, as financial planner David Latch will tell you, there's a lot more to retirement than just saving money. Turning your savings and investment accounts into income streams that can address key retirement risks is the real challenge facing today's retirees, but many don't even know where to begin. In There's More to Retirement Than Saving Money, David has outlined the top concerns that threaten even well-funded retirements, and lays out the steps that can address each one as part of a comprehensive financial plan. Follow along as David puts his decades of industry experience to work, tackling topics such as: - Ways to disinherit the IRS - How to turn savings into income - When and how to file for Social Security - How to plan ahead for lower tax bills - Considerations for long-term health care - Special circumstances facing women in retirement With personal storytelling and down-to-earth perspectives, David builds his approach to addressing these issues and more. David Latch is a CERTIFIED FINANCIAL PLANNER(TM) professional who brings the discipline and work ethic he learned in his years of military service to bear on his planning for clients looking to retire or care for loved ones. David lives in Frederick, Maryland, with his wife, Janice, and daughter, Sarah. He's very active in his community, sponsoring local charitable events, and is a member of the St. Katharine Drexel chapter of The Knights of Columbus.

There's More to Retirement Than Saving Money!

There's More to Retirement Than Saving Money! PDF Author: David Latch
Publisher:
ISBN:
Category :
Languages : en
Pages : 134
Book Description
When it comes to preparing for retirement, many people fixate on amassing a pile of cash, their return on investment, and compound interest opportunities to reach that "magical number." Yet, while saving is important, as financial planner David Latch will tell you, there's a lot more to retirement than just saving money. Turning your savings and investment accounts into income streams that can address key retirement risks is the real challenge facing today's retirees, but many don't even know where to begin. In There's More to Retirement Than Saving Money, David has outlined the top concerns that threaten even well-funded retirements, and lays out the steps that can address each one as part of a comprehensive financial plan. Follow along as David puts his decades of industry experience to work, tackling topics such as: - Ways to disinherit the IRS - How to turn savings into income - When and how to file for Social Security - How to plan ahead for lower tax bills - Considerations for long-term health care - Special circumstances facing women in retirement With personal storytelling and down-to-earth perspectives, David builds his approach to addressing these issues and more. David Latch is a CERTIFIED FINANCIAL PLANNER(TM) professional who brings the discipline and work ethic he learned in his years of military service to bear on his planning for clients looking to retire or care for loved ones. David lives in Frederick, Maryland, with his wife, Janice, and daughter, Sarah. He's very active in his community, sponsoring local charitable events, and is a member of the St. Katharine Drexel chapter of The Knights of Columbus.

Everything You Need to Know about Saving for Retirement

Everything You Need to Know about Saving for Retirement PDF Author: Ben Carlson
Publisher:
ISBN:
Category :
Languages : en
Pages : 125
Book Description
When it comes to planning for retirement the majority of people are on their own. There's no one to coach you or hold your hand to make sure you understand what you need to do, when you need to do it, or how to make wise decisions with your life savings. The goal of this book is to help remove some of the stress, confusion, and anguish involved in the process of saving and investing for retirement. Money is a tool that can either cause or solve a lot of problems in your life. This book guides you through the big decisions necessary to get you on the right track towards financial independence so you can move on with your life to focus on more important things and let your money do the work for you. Everything You Need to Know About Saving For Retirement covers: *How to get started with your retirement savings *Why saving is more important than investing *How much you should save for retirement *How to spend your money on the things you care about *Where to invest your money *How to become a 401(k) millionaire *How to make up for a late start to saving and retirement planning *How much you need to retire *How to think about Social Security *The 3 biggest things you need to know about investing and much more Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management. He has spent his career working with nonprofits and individuals to help them plan and invest their money wisely. Ben is the author of three other books including A Wealth of Common Sense: Why Simplicity Trumps Complexity in Any Investment Plan as well as the blog A Wealth of Common Sense.

Money Saving

Money Saving PDF Author: Finance Mentor
Publisher:
ISBN:
Category :
Languages : en
Pages : 226
Book Description
While it's true that your money will grow as you invest it, that doesn't mean you should stop there. The benefits of saving are numerous! Here are some of the reasons why it pays to get into the habit. It will help build your horizon. If your mission is to enjoy a comfortable retirement, then you need to start thinking about the big picture now. That means not only saving for your retirement, but having goals that will help you buy a home or support your family right now. Saving gives you the financial freedom to make those big life decisions that you're dreaming of. You can direct where it goes. While investing is great, sometimes it's better to let your money grow in a place where it has the best chance of growing - like an investment account instead of an inheritance fund. With a savings account, you're given more options about how your money is used, and that can make it a great way to build up a little bit of cash in the long run. This book contains the following topics: The Benefits of Money-Saving Start Now and Start Small Establish a Savings Philosophy Save Money Through Better Spending Habits The Power of Debt Reduction Save Money on Rent and Home Expenses Save Money on Transportation Save Money Through Education Save Money on Clothing and Groceries Cashbacks and Expense Saver Cards It helps you build up good habits. If it's easy for you to save, then it's likely that you will always have money available when you need it. Your savings account is there when an emergency happens, or when your kids need new clothes or shoes for school - and that makes saving a habit that's easy to keep. If saving becomes a habit, then the financial problems of today will be easier to manage in the future. It can help you get a mortgage. Don't let the big banks discourage you from using your savings fund as a way to help you get a mortgage. If you have enough money in your account to show that you can afford the house, then there's no reason why it shouldn't count toward your down payment. The more money that goes toward your home, the more comfortable your future will be! It could help reduce taxes in retirement. When it comes time for retirement, how much tax you pay is hugely important - and having a savings account can make all the difference in how much of your hard-earned cash goes back into government coffers. If you build up a nice nest egg, then you'll have a lot less to pay when your retirement comes.

Retirement Planning

Retirement Planning PDF Author: K. Elizabeth
Publisher: Createspace Independent Publishing Platform
ISBN: 9781530877959
Category :
Languages : en
Pages : 332
Book Description
**RETIREMENT PLANNING & INVESTING BASICS** Two Free Bonus Books Included!!! Does the thought of the retirement process, though perhaps still many years away, seem overwhelming? Have you heard contradictory information about 401(k)s, IRAs, pensions, and Social Security benefits? Do you find yourself questioning how you'll retire with enough money in your savings? Wherever you may be in the retirement process-still years away, considering retirement within the next year, or already retired-this book will help demystify your confusions and alleviate your worries. This book is for anyone who worries about retirement-what you'll do during retirement, how you'll avoid financial dependency on Social Security benefits, or how you'll support yourself financially with your savings. It's for the hardworking individual who deserves the retired life they desire without financial restrictions. It's for each and every one of us no matter our age, our profession, or what we've already done to prepare. Why Retirement Planning is the book for you: There's a lot-a lot-of information out there about pre-retirement programs and retirement options, but much of this information gets lost or miscomprehended when we don't fully know the basics. This book will help demystify any of your basic misconceptions and will simultaneously show you how to retire with enough money. This book will: Introduce the current retirement market through helpful statistics that warn you about the challenges and setbacks you'll more than likely encounter during retirement Offer a tested and proven method that explains how you can quickly and accurately calculate how much you'll need to have saved before you retire. Discuss the basics and benefits of the 401(k)-the pre-retirement saving program that oftentimes goes overlooked, yet proves to be a crucial resource for retiring with enough saved money. Include a set of self-reflection questions that encourage readers to determine the endeavors they wish to pursue during retirement, a helpful tool used to gage how much money you truly need to save in order to support yourself financially throughout your retirement. Propose a more complex yet highly effective way of cutting monthly/yearly expenses during retirement-paying off your mortgage or debts before you retire. Outlines the simple yet valuable dos and don'ts of retirement, before and during.

How to Retire Early As a Millionaire:

How to Retire Early As a Millionaire: PDF Author: Trevor Smith
Publisher:
ISBN: 9781726642828
Category :
Languages : en
Pages : 320
Book Description
What you will learn in this book * Investing for Beginners: Here's How to Make Your Money Start Working for You * How Long $1M in Retirement Savings Will Last You in All 50 States * Considering a 401(k) Loan?. This is What Happens When You Borrow Money From Your 401(k) * Dreaming of an Early Retirement? Start Taking These Steps Now. Taking These Steps Could Help You Retire in Time to Actually Enjoy It * Tontine: This Retirement Plan Is Creepy and Illegal, But It Just Might Work... * A Lot of Retirement Savings Advice Is Unrealistic. * There's a Gender Gap in Retirement Savings. Why Women Are 80% More Likely Than Men to Live in Poverty in Retirement * Why We Need to Stop Ignoring Our 401(k) Plans Right Now * Ways to Work From Home and Boost Retirement Income. Awesome Ways Retirees Can Work From Home and Make Extra Cash. * 401(k): Why Everyone Says You Have to Contribute. Here's What You Need to Know About Your 401(k) * Early Retirement: How a Couple Saved $1 Million and Retired in Their 30s to Travel. * Millennials: How to Start Investing When You're Scared of the Risk. Simple, Safe Ways for Millennials to Start Investing * The basics of 403(b): What You Need to Know About This Retirement Plan * Simple 401(k) Tool that Can Help You Save Money So You Can Retire a Millionaire * Flexible Side Jobs for Seniors Who are Tired of Being Retired. Leisurely Ways for Retirees to Make Extra Money in Their Spare Time * Push Your 401(k) to New Heights With Updated Contribution Limit. The New 401(k) Limits Mean More Tax-Free Savings * A Calculator That Tells You When to Start Saving for Retirement. How Little a 21-Year-Old Needs to Save to Retire Rich. * The Retirement Age Is Going Up, but We're Also Dying Earlier. Here's Why You Should Prepare to Retire Earlier Than You're Planning to * A 19-Year-Old Saved $85,000 in 10 Years. Here's Exactly How She Did It * Tool that Estimates Your Monthly Social Security Payments in Retirement * Wondering How Much to Save for Retirement? It's More Than You Might Think Millenials Will Have to Save More for Retirement. * The Ultimate Guide to 403(b) Retirement Accounts * Strategic Steps to Save an Extra $5,000 for Retirement in 12 Months * A Simple (and Free) Alternative when you have No Retirement Plan at Work? * 30 Best Cities Where You Can Easily Retire on $1,000 a Month (or Less!) * This Is How to Catch up If You're Way Behind on Saving for Retirement * Smart Ways to Use Your HSA Benefits to Get Healthy... and Wealthy. Clever Ways You Can Maximize Your Health Savings Account Contributions * Automatically Enrolled in Your Company 401(k)? Here's What You Need to Know * Your Kids Are Not Your Retirement Plan. Here's How to Save for Your Future * Are You Saving for Retirement? A Scary Number of People Aren't * Self-Employed? You Still Need to Think About Retirement. Check Out These Options * What the DOL Fiduciary Rule Means for Your Retirement Account * Top Financial Problems Senior Citizens Face * 68% of Americans Aren't Saving for Retirement. This Alarming Stat Shows Just How Unprepared Americans are for Retirement * How to Save for Retirement: Is a 401(k) or an IRA Right for You? Questions You Must Ask When You're Choosing Between an IRA and a 401(k)

An Introduction to Good Saving Habits: Discover Simple Methods to Change Your Financial Situation

An Introduction to Good Saving Habits: Discover Simple Methods to Change Your Financial Situation PDF Author: Gerard Hoffman
Publisher: Gerard Hoffman
ISBN: 9781913986070
Category : Business & Economics
Languages : en
Pages : 156
Book Description
Let me teach you how to save money! Whether you have a very modest income and don't believe it's possible for you to save, or you make decent money but still spend everything you make, this book can help you. Even if you are in debt and have no idea how to get to the point where you can begin to save money, this book can help. You might feel it's a hopeless situation, but it's not. No matter your situation, if you follow the lessons you learn here, you can completely change your life. Having once been in debt with no money saved, I know how it feels to be where you are, and it's something no one should have to deal with. The stress is brutal. I learned how to change my approach to spending and saving money, and while the change was difficult at first, it became easier. I have taught many people how to make the same positive life changes that I have to begin saving money. Now, I want to help you follow my path to a secure financial future. There's no need to fear that this introduction to good saving habits will force you to live a life of deprivation; just the opposite, really. It's about spending your money on the things that are most important to you and not wasting any on things you can easily do without. If you want to buy a car or house, save for retirement, or reach any other long-term goal, you must eliminate frivolous spending. You'll find that if you stay focused on your goal, it should feel like a worthwhile sacrifice. Being financially unprepared for the future can feel like a weight around your neck. With adequate savings, financial freedom can be yours! If you want to retire early, travel, or simply worry less, the strategies in this book can help you get there. Changing your financial mindset is the most important thing. Instead of living paycheck to paycheck with no plan for saving money, you will learn to think of money saved as an investment in your future and a cushion against emergency expenses. This book will show you: The importance of saving money, from the need to prepare for the future to eliminating the stress of worrying about not being able to pay your bills. How to save money by developing good money-saving habits. A step-by-step guide to preparing a budget that works for you and your lifestyle. The importance of setting and prioritizing saving goals. An introduction to banking tools and how to make your money work for you. How to live within your means and not rely on credit cards. The way to handle debt. Boost your income and save the additional money. Tips for reducing your spending on utilities, food, and household goods. Bargain hunting and smart coupon strategies. How to budget for fun experiences, but also get the most for your money. Ways to reduce temptation to overspend or buy things you don't need. Psychological triggers linked to spending money and how to resist them. ... and much more! It's by learning how to start saving your money, that you stand the best chance of making your long-term goals a reality (and sooner rather than later, too). Want to better manage your money? Here is where you take your very first step, just scroll up and click the "Buy Now" button and let's get started!

AARP How to Speak Money

AARP How to Speak Money PDF Author: Ali Velshi
Publisher: John Wiley & Sons
ISBN: 1118373618
Category : Business & Economics
Languages : en
Pages : 190
Book Description
AARP Digital Editions offer you practical tips, provensolutions, and expert guidance. Do you speak money? You should. It is the world’s mostimportant language. It’s spoken everywhere. Speaking—orat least understanding—this language allows you to follow thereal conversations in politics, business, and at work.Understanding money and speaking the language fluently is criticalto preparing for a comfortable retirement, building a smallbusiness, planning for college and a career for your children.Everyone speaks it differently, with different dialects. Some areriskier than others. Some want to save their money; others want tosee it grow. There is no one accent, but understanding thedifferences will make couples, business partners, and coworkershappier—and wealthier. Authors and CNN financial experts AliVelshi and Christine Romans speak the global language of money andtranslate it every day for hundreds of thousands of viewers. Andthey are here to teach you, too. It’s easier to learn thanyou might think. Speaking money affects every area of your life. It’s morethan simply your savings or the investments you may have. Itinvolves the way you think about money, the way you teach yourchildren about it, and the way you were taught about it yourself.It’s about the way you spend it, save it, invest it, use it,need it and want it. The book will: Shed light on the male and female spending and investingdisparity Discuss emerging international economies Weigh the financial hurdle of student debt culminating in asuccessful job Explain how to budget wisely and build wealth Show how to plan appropriately for retirement How to Speak Money is an easy-to-read, practical bookthat helps readers become fluent in the world’s mostuniversal language.

You Can't Have My Money!

You Can't Have My Money! PDF Author: Paxton S. Finnegan
Publisher:
ISBN: 9781777980535
Category :
Languages : en
Pages : 170
Book Description
If you are one of the 91 out of 100 people in North America who are afraid that they will outlive their retirement savings, keep reading to discover how... We are living longer than ever, yet we are retiring earlier than ever. This newfound longevity is not being factored into our retirement planning. Many investments and retirement accounts are subject to heavy taxation which can be avoided. Accepted money-saving strategies, such as overpayment on your home mortgage, are actually costing you hundreds of thousands of dollars. Our sequence of investment priorities needs to be reversed. A simple change of strategy can double your retirement savings while saving you from the sting of the taxman. We don't all die from black lung at age 45 anymore, but a whole lot of us are treating our retirement plan like that's our best option. We accept whatever financial advice our local bank teller gives us, and we sign whatever they put in front of us. But what if there are alternatives that the banks don't want you to know about, because they might actually make more money for you than for the bank? Even across different countries, there are similar strategies that can be followed to maximize investment growth and retirement savings for investors of any age, income, or education level. Whether you are living in the United States, Canada, or other nations with similar opportunities, you can use a parallel sequence to secure your financial future. Young or old, man or woman, country mouse or city mouse, there are financial pathways we all can tread together. In this simple 6-step guide, Paxton S. Finnegan will join you to explore solutions and strategies which can grow investments, transform retirements, and keep the taxman at bay. With humor, common sense, tough love, and cowboy logic, he will show you that fear of retirement deserves to be left in the dust bin of history, along with alchemy and Polio. You don't need to be a financial expert to change your life. You just need common sense and full awareness of the options that are out there.

6 Mistakes to Avoid in Preparation for Retirement

6 Mistakes to Avoid in Preparation for Retirement PDF Author: Hui Min Huang
Publisher:
ISBN:
Category :
Languages : en
Pages : 46
Book Description
It is extremely important that you begin early retirement planning.If you start preparing for retirement early on you can put yourself in the best position. This can take decades to raise the funds you need for a secure retirement, depending on your wages, and you'll want as big a nesting egg as possible when you don't bring in a paycheck anymore. Through saving in your retirement early on in your career, your savings will accumulate and expand over time, leaving you with a large enough fund to fulfill your dreams of retirement.If your finances are in a bad shape and you are struggling to make ends meet, you may not seem to have enough funds to set away for retirement purposes. Where, somehow, does this extra money come from? The issues are, you have them already, and you just need to change your attitude.The great news is that planning for your future after you've finished your career is never too early. Now that you know the value of retirement planning, today you can start designing your pension plan. That is why in this book we give you some key mistakes to be aware of while making plans for your retirement.Planning for retirement is a multistage method that evolves over time. You need to create the financial buffer that will finance it all to have a safe, secure - and fun - retirement. The fun part is why paying attention to the serious and maybe boring part makes sense: planning on how to get there.Retirement preparation starts by thinking about your expectations for retirement, and how long you have to achieve them. Then you have to look at the forms of pension plans that will help you collect the funds to support your future. You have to invest it because you save the money so it can expand. The last surprise is taxes: if you've accrued tax deductions over the years for the money you've added to your retirement accounts, when you start withdrawing those investments, a large tax bill awaits you. There are ways to minimize the tax hit on retirement while saving for the future - and to continue the process when that day comes, and you actually retire.When you will make investments to help plan your retirement a priority, you will be able to see that you still have some spare money to create a better future, no matter how bleak things can seem. Saving money is more of a challenge for some than others, but it is also a lot more of a mind game than a game of numbers. As long as the eventual outcome of a secure retirement is of great importance to you, you must find a way to save to make it happen.Time is another growing obstacle but we have the same response to that: you have it. So long so you prioritize your retirement, you will take the time to draw up a roadmap for your future and be encouraged to keep up with it.Also one advantage of retirement preparation and a secure retirement helps you to live fully in the moment. You don't have to think about going to college, or something else. With time, you will be carefree. Whatever dreams you've had for your life, retirement is most often the time to fulfill them, but it's only possible if you plan your future carefully. Otherwise you could skimp on some experiences and leave other things untouched on your bucket list.

Save Money

Save Money PDF Author: Tracy Edwards
Publisher: Createspace Independent Publishing Platform
ISBN: 9781482378054
Category :
Languages : en
Pages : 58
Book Description
Save Money: 51 Money Saving Tips You Can Implement Right Away offers 51 simple to implement ideas you can use right away to start saving money. It is said that saving more of the money you have already earned is easier than making more money. This book will help you accomplish that task. Experts report that almost 96% of the nation retire in debt. It's no wonder retirees have to return to work at a lower paying job just to make ends meet. This can't be a lifestyle you dreamed of when you thought about retirement. It is imperative that you take action now while there is still time to make a difference before your retirement years. You can use the "Save Money: 51 Money Saving Tips You Can Implement Right Away" to quickly start saving some of your hard earned money you have already made. Remember, It's easier to save money you have already earned than to go out and make more money. Once you start implementing these easy to follow and implement ideas, you will probably start thinking of other ways you can start saving more money. If you don't start taking action today, where are you going to wind up when retirement comes calling. Are you going to control your future and retire debt free and have the options you dream of, or are you going to be another statistic that falls in the 96% of individuals that retire in debt or broke that have to work for the rest of the natural life. I truly want to see you have your ideal retirement dream come true. So, scroll to the top of the page and click the "Buy Button" now, so you can start saving more of your hard earned money today!