We may earn money or products from the companies mentioned in this post.
Retirement planning doesn’t have to be a puzzle. It’s your ticket to a worry-free future. Let’s explore how to make your golden years truly shine.
Imagine lounging on a beach, sipping a cool drink. That’s what smart planning can do. It’s about creating a future where you’re the star.
Did you know the average first-time investor is 331? If you’re younger, you’re ahead. If older, don’t worry. It’s never too late to start planning.
Let’s talk numbers. You’ll need 70% to 80% of your pre-retirement income in retirement1. Your future self will thank you for planning ahead.
A solid strategy ensures financial security. You can keep enjoying the finer things in life. No need to give up gourmet cheese or Netflix marathons.
Ready to start? It’s time to make your retirement dreams come true. Let’s turn your financial freedom into reality.
Key Takeaways
- Start retirement planning early to maximize benefits of compound interest
- Aim to replace 70-80% of pre-retirement income in retirement
- Diversify your investment portfolio for long-term growth
- Consider employer-sponsored plans and IRAs for tax advantages
- Regularly reassess and adjust your retirement strategy
- Plan for healthcare costs and long-term care needs
- Don’t forget about estate planning for a lasting legacy
The Importance of Early Retirement Planning
Early retirement planning boosts your financial health. It’s like growing a money tree for your golden years. Starting now can make a huge difference.
Why start planning now?
Time is your ally when saving for retirement. The earlier you begin, the more you can save. A 30-year-old earning $80,000 could amass $1.5 million by 65.
Early planning protects against unexpected events. About 40% of Americans have less than $5,000 saved for retirement. Planning now helps avoid future financial stress.
The power of compound interest
Compound interest is like a growing snowball. It turns small savings into a big nest egg. The longer your money grows, the larger your savings become.
“Compound interest is the eighth wonder of the world. He who understands it, earns it… he who doesn’t… pays it.” – Albert Einstein
Setting realistic retirement goals
Setting achievable goals is key for retirement planning. Consider your income, expenses, and desired lifestyle. Factor in potential healthcare costs and inflation too.
- Your current income and expenses
- Desired lifestyle in retirement
- Potential healthcare costs
- Inflation and cost of living increases
A 65-year-old married woman today has a 50% chance of living to 902. That’s 25 years of retirement to fund! The average Social Security check in 2022 was about $1,550 per month2.
Age Start Saving | Monthly Savings | Total at Age 65 |
---|---|---|
25 | $500 | $1,000,000+ |
35 | $500 | $500,000+ |
45 | $500 | $250,000+ |
Early planning isn’t just about money. It’s about peace of mind. It lets you retire sooner and enjoy life on your terms3.
Start growing your money tree today. Watch it become a forest of financial security!
Understanding Your Retirement Needs
Planning for retirement is like solving a unique puzzle. Your financial roadmap for the golden years needs careful crafting. Let’s explore lifestyle planning and retirement costs for a secure future.
Envision your ideal retirement. Are you traveling or tending to a garden? Your lifestyle choices greatly affect retirement expenses. Americans typically spend about 20 years in retirement, so plan accordingly.
Surprisingly, only half of Americans have calculated their retirement savings needs. Don’t fall into this trap! Let’s examine key areas to consider:
- Current expenses: Your daily latte habit adds up!
- Future healthcare needs: Because nobody has a crystal ball for health
- Housing costs: Will you downsize or stay put?
- Travel and leisure: Adventures don’t fund themselves
- Unexpected costs: Life’s little surprises don’t retire when you do
Retirement planning isn’t one-size-fits-all. It’s about creating a strategy that fits your unique situation. Younger investors can take more risks, while those nearing retirement should be cautious4.
“Retirement is like a long vacation in Las Vegas. The goal is to enjoy it to the fullest, but not so fully that you run out of money.” – Jonathan Clements
A helpful guideline: aim to save $1 million or 12 times your pre-retirement yearly income4. Don’t worry if it seems overwhelming. Start small and stay consistent.
You can contribute up to $6,500 annually to an Individual Retirement Account (IRA). The limit is higher if you’re 50 or older5.
Social Security benefits usually replace only 40% of pre-retirement income5. Understanding your full financial picture is vital for maintaining your lifestyle in retirement.
Assessing your retirement needs now sets you up for a secure future. Grab your calculator and start planning your path to financial freedom564!
Assessing Your Current Financial Situation
Ready to manage your money better? Let’s explore your finances. Knowing where you stand now helps plan a solid retirement.
Understanding your current situation is crucial. It’s the first step towards financial freedom.
Calculating your net worth
Let’s figure out your net worth. Add up your assets and subtract your debts. Don’t worry if it’s small – most people start there7.
- Assets: Your home, car, savings accounts, investments
- Debts: Mortgage, student loans, credit card balances
Analyzing your income and expenses
Now, let’s look at your income. Track all money coming in and going out. Try to save 10% to 20% of your pretax income for retirement8.
Don’t worry if you’re not there yet. We’ll find ways to increase your savings.
Pro tip: Use the IRS tax withholding estimator. Make sure you’re not overpaying taxes8.
Identifying areas for improvement
Let’s find and fix your financial leaks! Here are some smart moves:
- Build an emergency fund with 3-6 months of expenses9
- Check your credit report annually (it’s free!)8
- Review your insurance coverage regularly8
- Shop around for better interest rates on savings accounts8
Your financial situation can change. Do a thorough checkup yearly or after big life events8.
With these steps, you’re on your way to better finances!
“The best time to plant a tree was 20 years ago. The second best time is now.” – Chinese Proverb
Determining Your Retirement Income Sources
Planning for retirement? Let’s explore your future income options! You’ll need various sources to maintain your lifestyle after work.
Social Security forms the core of many retirees’ income. You can claim benefits at 62, but waiting until full retirement age increases your monthly check10. These benefits include automatic cost-of-living adjustments, helping you keep up with inflation10.
Pension plans are another valuable source. Private company plans typically require five years for full vesting10. 401(k)s and similar plans often offer quicker vesting, providing more flexibility10.
Consider these additional income streams:
- Personal savings and investments
- Part-time work or side gigs
- Rental income from property
- Reverse mortgages (for homeowners 62 and older)10
Surprisingly, less than 44% of Americans have calculated their retirement needs11. Don’t fall into this group! Many experts recommend saving 25 times your expected annual retirement expenses11.
Remember, diversification isn’t just for your investment portfolio – it’s crucial for your retirement income sources too!
Your spending habits will likely change over time. Retirees often see expenses drop by 23% in their second retirement decade11. However, be prepared for potential increases in healthcare and home improvement costs11.
For a stable retirement, mix lifetime income sources with equity and interest-bearing investments12. This approach can help you handle market changes and keep up with inflation12.
Start planning your retirement income strategy today. With careful preparation and diverse sources, you’ll be ready for a comfortable retirement!
Maximizing Social Security Benefits
Social Security benefits are vital for retirement planning. They can greatly impact your financial security in later years. Understanding how to optimize these benefits is crucial.
When to Start Claiming Benefits
The timing of your Social Security claims affects your monthly payments. You can start receiving benefits at 62 or wait until 70 for higher payments13.
For those born after 1960, full retirement age is 6714. Delaying benefits past this age increases payments by 8% yearly, up to age 7014.
Waiting until 70 instead of 62 can significantly boost your monthly checks. However, delaying past 70 doesn’t offer additional increases15.
Strategies for Married Couples
Married couples have unique chances to maximize their Social Security benefits. Family members may receive up to half of the retiree’s full retirement benefit13.
Couples can coordinate their benefit claims for optimal results. One spouse might claim earlier while the other delays to increase their benefit.
To qualify for survivor benefits, you must be married for at least nine months15.
Working While Receiving Social Security
You can work while receiving Social Security, but income limits apply. In 2024, earnings over $22,320 reduce benefits if you’re under full retirement age15.
For every $2 earned over the limit, $1 is deducted from your benefits. The earnings limit increases when you reach full retirement age.
Age | 2024 Maximum Monthly Benefit |
---|---|
62 | $2,710 |
67 (Full Retirement Age) | $3,911 |
70 | $4,873 |
In 2024, Social Security beneficiaries will receive a 3.2% cost-of-living adjustment. The average monthly benefit for retired workers is expected to rise to $1,90714.
By understanding these factors and planning wisely, you can enhance your retirement security. Maximizing your Social Security benefits is key to a comfortable retirement.
Exploring Employer-Sponsored Retirement Plans
Employer-sponsored plans are crucial for retirement savings. 401(k) plans, offered by 59% of employers16, are the most common type. These plans provide a powerful boost to your retirement strategy.
Traditional 401(k)s allow pre-tax contributions, reducing your current taxable income. Many employers offer matching contributions, often up to a percentage of your salary17. This extra money can significantly boost your retirement savings.
Roth 401(k)s use after-tax dollars for contributions. Your withdrawals in retirement are tax-free. There’s no Required Minimum Distribution (RMD) to worry about17.
SIMPLE 401(k) plans suit small businesses with 100 or fewer employees. These plans have lower administrative costs17. Employers must make matching or non-elective contributions, benefiting all employees.
Maximizing Your Employer Match
Always try to contribute enough to get your full employer match. An impressive 98% of employers offer a company match for 401(k) contributions16. Don’t miss out on this free money!
“The best investment you can make is in yourself. The more you learn, the more you’ll earn.” – Warren Buffett
Exploring Other Plan Types
Other retirement plans exist besides 401(k)s. 403(b) plans are common in tax-exempt organizations. 55% of employers offer contribution matching for these plans16.
Self-employed individuals can consider a solo 401(k) or SEP IRA. SEP IRAs limit contributions to 25% of net taxable income16. This flexibility suits variable incomes.
Plan Type | Key Feature | Ideal For |
---|---|---|
Traditional 401(k) | Pre-tax contributions | Most employees |
Roth 401(k) | Tax-free withdrawals | Long-term savers |
SIMPLE 401(k) | Lower admin costs | Small businesses |
Solo 401(k) | High contribution limits | Self-employed |
Choose a plan based on your specific situation. Consider your workforce, budget, and administrative abilities when deciding17. Start saving early and consistently for a secure financial future.
The Power of Individual Retirement Accounts (IRAs)
IRAs are vital tools for retirement planning. They offer tax benefits to help you build a secure future. These accounts can make a big difference in your savings strategy.
Traditional vs. Roth IRAs
Traditional IRAs let your earnings grow tax-deferred. You only pay taxes when you withdraw the money18. Roth IRAs work differently. You can’t deduct contributions, but qualified withdrawals are tax-free18.
It’s like choosing between a tax break now or later. Each option has its own perks, so pick what works best for you!
Contribution Limits and Tax Advantages
In 2023, you can put up to $7,000 in your IRA if you’re under 50. If you’re 50 or older, you can add $8,00019. That’s a nice boost for your savings!
You might also get a tax credit of up to $1,000 for IRA contributions20. It’s like getting paid to save for your future!
Required Minimum Distributions (RMDs)
With traditional IRAs, you must start taking RMDs at age 7319. It’s the government’s way of collecting those delayed taxes. Roth IRA owners don’t have to worry about RMDs.
Both traditional and Roth IRAs offer great tax benefits. They can help you save more for retirement. Just be careful about early withdrawals.
Taking money out before age 59½ might cost you a 10% penalty18. So, let your savings grow until you’re ready to enjoy them182019!
Retirement Planning: Your Step-by-Step Guide
Let’s explore your financial roadmap for retirement. A clear strategy and smart moves will pave the way to your financial security. This guide will help you create a solid plan.
Start by calculating your retirement needs. Aim for 10 times your annual salary by your mid-60s. This will help maintain your current lifestyle. Assess your current financial situation. Understand if you’re dealing with debt or have savings.
Set realistic goals for your retirement. Saving 15% of your pre-tax income is a good target. Don’t worry if you can’t reach this yet. Every bit you save helps.
Choose the right tools for saving. 401(k)s and IRAs are excellent options. In 2024, you can save up to $23,000 in a 401(k). You can also put $7,000 in an IRA21.
“The best time to plant a tree was 20 years ago. The second best time is now.” – Chinese Proverb
Diversify your investments to spread risk. It’s like not putting all your eggs in one basket. As retirement nears, consider reducing your investment risk22.
Review your retirement strategy regularly. Your plans should change as your life does. If you need help, consider talking to a financial advisor. They can guide you through the retirement planning process22.
Your retirement strategy should be as unique as you are. Use this guide to create a plan that fits your needs. With careful planning, you can build a bright financial future.
Creating a Diversified Investment Portfolio
Want to boost your retirement investments? Let’s explore investment diversification and asset allocation. Think of your portfolio as a balanced meal for financial health and growth.
Picture a financial buffet with stocks, bonds, and cash. Your risk appetite and retirement timeline determine your plate’s composition. Your perfect mix depends on your unique financial needs.
For those in their 60s, experts suggest 60% stocks, 35% fixed income, and 5% cash23. However, this isn’t a universal recipe.
“Diversification is the only free lunch in investing.” – Harry Markowitz
Let’s examine historical returns. From 1926 to 2022, large-cap stocks averaged 10.1% annual growth. Small-cap stocks delivered 11.8%, while government bonds provided 5.2%.
Cash investments offered a modest 3.2% return23. Don’t put all your eggs in one basket! Diversification helps manage risk.
Consider adding international investments for global exposure. Be aware of their unique risks24. Rebalance your portfolio twice yearly to maintain balance.
Low-cost index funds or ETFs can provide broad market exposure. They’re worth considering for your investment mix.
Asset Type | Average Annual Growth (1926-2022) | Risk Level |
---|---|---|
Large-cap Stocks | 10.1% | High |
Small-cap Stocks | 11.8% | Higher |
Government Bonds | 5.2% | Moderate |
Cash Investments | 3.2% | Low |
Building a diverse portfolio is like preparing a gourmet meal. Mix ingredients wisely and adjust as needed. Your financial future deserves nothing less!
Managing Risk in Your Retirement Strategy
A solid risk management plan is crucial for financial security. Retirement brings challenges like market ups and downs and rising prices. Let’s look at key ways to protect your savings.
Asset Allocation Strategies
Smart asset allocation is vital for long-term success. Many 65-year-olds now live to 90 or beyond. Your portfolio needs to last.
Mix stocks for growth with bonds for stability. This balance helps you handle market changes while aiming for good returns.
Rebalancing Your Portfolio
Regular portfolio rebalancing keeps your risk level steady. Market shifts can change your asset mix. Adjust often to keep your desired balance.
This disciplined approach can improve long-term results and lower risk.
Insurance Considerations
Don’t forget about retirement insurance options. Annuities can provide income for life, protecting you from outliving your savings25.
Long-term care insurance might be worth considering. Healthcare costs often rise in retirement.
Risk Factor | Impact | Mitigation Strategy |
---|---|---|
Longevity | Extended retirement period | Diversified portfolio, annuities |
Inflation | Decreased purchasing power | TIPS, real estate investments |
Market Volatility | Portfolio value fluctuations | Asset allocation, regular rebalancing |
A 3% yearly inflation rate can greatly reduce your buying power over time26. Fight this with inflation-protected securities and growth-focused investments.
Careful planning and regular reviews are key. They help build a strong retirement portfolio that lasts272526.
Healthcare Costs and Long-Term Care Planning
Healthcare costs are a crucial part of retirement planning. A typical couple retiring at 65 might need $315,000 for medical expenses. This sum doesn’t include long-term care or dental services28.
In 2024, Medicare Part A’s inpatient hospital deductible is $1,632. The standard monthly premium for Part B is $174.70. Part D coverage adds about $55.50 per month28.
There are smart ways to manage these expenses. Health Savings Accounts (HSAs) offer triple tax advantages. They provide immediate tax benefits, tax-free growth, and tax-free withdrawals for qualified medical expenses29.
In 2024, you can contribute up to $4,150 for individual HSA coverage. Family coverage allows up to $8,300. If you’re 55 or older, you can add an extra $1,00028.
Long-term care is another important factor to consider. In 2023, annual costs for in-home care could reach $75,504. Assisted living might cost up to $64,200 per year30.
Nursing home care could be as high as $116,800 annually. Long-term care insurance or annuities with long-term care benefits can help protect your savings.
Type of Care | Annual Cost (2023) |
---|---|
In-home Care | Up to $75,504 |
Assisted Living | Up to $64,200 |
Nursing Home Care | Up to $116,800 |
Healthcare needs and costs can change over time. Review your coverage yearly. Consult a financial advisor to create a tailored healthcare planning strategy.
Estate Planning and Legacy Considerations
Estate planning secures your legacy and aligns wealth transfer with your wishes. It’s not just for the rich. Let’s explore how to safeguard your assets and create lasting impact.
Without a will, state laws might decide your asset distribution. Don’t let this happen to your hard-earned wealth. Take control of your legacy now.
In 2024, the estate tax exemption is $13.61 million. You can pass on significant wealth without tax implications. Additionally, you can gift up to $18,000 per year tax-free.
Trusts: Your Secret Weapon
Trusts are versatile estate planning tools. They come in two types: revocable (living trusts) and irrevocable. These instruments can help your assets bypass probate, saving time for your beneficiaries.
Charitable Giving: Do Good, Feel Good
Charitable giving can reduce your tax bill while making a difference. Consider these options:
- Donor-advised funds
- Charitable remainder trusts
- Charitable rollovers from IRAs
- Donating appreciated stock
These strategies can lower your potential estate tax burden. They also support causes that matter to you.
Don’t Forget the Digital Realm
Include your digital assets in your estate plan. This covers cryptocurrency and social media accounts. Provide instructions for managing your online presence after you’re gone.
“The best time to plant a tree was 20 years ago. The second best time is now.” – Chinese Proverb
Start estate planning early and review it regularly. Update your plan after major life events like marriages, divorces, births, and deaths.
Estate planning offers peace of mind. It ensures your wishes are respected and loved ones are protected. Take charge of your legacy today3132!
Adjusting Your Plan as You Near Retirement
Retirement is approaching, and it’s time to fine-tune your financial plan. Your goals may have changed since you started planning. It’s important to reassess and make necessary adjustments.
Reassessing Your Goals
Think about how your retirement dreams have evolved. Have you switched from global adventures to cozy staycations? Maybe you’re considering a gradual transition into retirement.
Your financial strategy should match your current goals. Delaying Social Security claims can increase your benefits. For each year you wait after full retirement age, benefits can grow up to 8%3334.
Fine-tuning Your Investment Strategy
As retirement nears, adjust your investment mix. Experts suggest 45% to 65% equity exposure for people in their 60s35. This balance protects your savings while allowing for growth.
If you’re in a higher tax bracket, maximize contributions to tax-deferred accounts. Those 50 and older should take advantage of catch-up contributions in retirement plans3334.
Preparing for the Transition to Retirement
Shifting from saving to spending can be challenging. Start by estimating your retirement expenses. Include healthcare costs, which can range from $450 to $850 monthly for Medicare33.
Consider Roth conversion strategies before retirement if you won’t need all your required minimum distributions. You’ll pay taxes at conversion, but future withdrawals could be tax-free35.
With these adjustments, you’ll be ready to embrace retirement confidently. Your well-planned strategy will ensure a comfortable and secure future.
FAQ
Why is retirement planning so important?
How do I set realistic retirement goals?
How can I assess my current financial situation?
What are the different sources of retirement income?
When should I start claiming Social Security benefits?
What are the benefits of employer-sponsored retirement plans?
What’s the difference between Traditional and Roth IRAs?
How can I create a diversified investment portfolio?
How can I manage risk in my retirement strategy?
How do I plan for healthcare costs in retirement?
Why is estate planning important for retirement?
How should I adjust my retirement plan as I near retirement?
Source Links
- https://www.empower.com/the-currency/life/guide-to-retirement-planning – Essential steps for retirement planning
- https://www.covenantwealthadvisors.com/post/9-reasons-why-retirement-planning-is-important – 9 Reasons Why Retirement Planning is Important
- https://districtcapitalmanagement.com/start-retirement-planning-early/ – 6 Reasons Why You Should Start Retirement Planning Early
- https://www.investopedia.com/articles/retirement/11/5-steps-to-retirement-plan.asp – 5 Retirement Planning Steps To Take
- https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/our-activities/resource-center/publications/top-10-ways-to-prepare-for-retirement.pdf – Top 10 Ways to Prepare for Retirement
- https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/what-you-should-know-about-your-retirement-plan.pdf – What You Should Know About Your Retirement Plan: EBSA
- https://www.investopedia.com/terms/r/retirement-planning.asp – What Is Retirement Planning? Steps, Stages, and What to Consider
- https://www.investopedia.com/personal-finance/how-conduct-financial-checkup/ – How To Conduct a Financial Checkup
- https://www.forbes.com/sites/truetamplin/2023/09/27/financial-health–definition-assessment-strategies–literacy/ – Essential Strategies To Assess And Improve Your Financial Health
- https://www.finra.org/investors/learn-to-invest/types-investments/retirement/managing-retirement-income/sources-retirement-income – Sources of Retirement Income
- https://www.synchronybank.com/blog/ultimate-guide-to-retirement-calculations/ – 10 Questions to Help Accurately Calculate Your Retirement Numbers
- https://www.wellsfargo.com/goals-retirement-income/money-to-work/ – Sources of Retirement Income – Put Your Money to Work – Wells Fargo
- https://www.ssa.gov/benefits/retirement/planner/otherthings.html – Benefits Planner: Retirement | What Important Things to Consider When Planning for Retirement
- https://www.investopedia.com/articles/retirement/112116/10-social-security-secrets-could-boost-your-benefits.asp – 9 Ways to Boost Your Social Security Benefits
- https://www.kiplinger.com/retirement/social-security-benefits-optimization – Strategies to Optimize Your Social Security Benefits
- https://www.usbank.com/retirement-planning/financial-perspectives/investing-through-workplace-savings-plans.html – Investing Through Employer Sponsored Retirement Plans | U.S. Bank
- https://www.linkedin.com/pulse/exploring-spectrum-employer-sponsored-401k-plans-bala-murugan – Exploring the Spectrum of Employer-Sponsored 401(k) Plans
- https://www.irs.gov/newsroom/individual-retirement-accounts-can-be-important-tools-in-retirement-planning – Individual retirement accounts can be important tools in retirement planning
- https://www.usbank.com/retirement-planning/open-an-ira/what-is-an-ira.html – What is an IRA? – Roth, Traditional and SEP | U.S. Bank | U.S. Bancorp Investments
- https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras – Individual Retirement Arrangements (IRAs) | Internal Revenue Service
- https://finance.yahoo.com/personal-finance/retirement-planning-guide-150551603.html – Retirement planning: A step-by-step guide
- https://www.kiplinger.com/retirement/retirement-planning-step-by-step-guide-by-age – Here’s a Step-by-Step Guide to Retirement Planning by Age
- https://www.investopedia.com/articles/financial-advisors/072915/what-does-ideal-retirement-portfolio-look.asp – How to Build an Investment Portfolio for Retirement
- https://www.schwab.com/learn/story/structuring-your-retirement-portfolio – How to Structure Your Retirement Portfolio
- https://www.ml.com/articles/big-retirement-risks-and-how-to-prepare-for-them.html – Four Big Retirement Risks to Consider and Prepare For
- https://www.thrivent.com/insights/retirement-planning/how-to-prepare-for-the-risks-to-your-retirement-savings – How to prepare for the risks to your retirement savings
- https://www.wellsfargo.com/financial-education/retirement/understanding-retirement-risks/ – Understanding retirement risk factors – Wells Fargo
- https://www.investopedia.com/retirement/how-plan-medical-expenses-retirement/ – How to Plan for Medical Expenses in Retirement
- https://pacesferrywealth.com/managing-healthcare-costs-in-retirement-strategies-for-long-term-health-planning/ – Managing Healthcare Costs in Retirement: Strategies for Long-Term Health Planning
- https://www.kiplinger.com/retirement/managing-health-care-costs-in-retirement – How You Can Tackle Health Care Costs in Retirement
- https://www.intelligentinvestment.com/blog-01/estate-planning-retirement-protecting-your-legacy – Estate Planning for Retirement: Protecting Your Legacy
- https://abacuswealth.com/crafting-your-legacy-key-considerations-for-inheritance-planning/ – Crafting Your Legacy: Key Considerations for Inheritance Planning | Abacus Wealth Partners
- https://www.schwab.com/learn/story/6-things-to-do-if-youre-nearing-retirement – 6 Things to Do If You’re Nearing Retirement
- https://www.merrilledge.com/article/7-steps-prepare-for-your-upcoming-retirement – Planning to retire within 10 years? These 7 steps could help you get ready.
- https://www.troweprice.com/personal-investing/resources/insights/things-to-do-in-decade-leading-to-retirement.html – T. Rowe Price Personal Investor – 4 Things to Do in the Decade Leading Up to Retirement
One Response