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How to Begin Saving For Retirement

When it comes to retirement planning, simply starting is often the hardest part. Find not only retirement planning tools but also the motivation to begin, from how much to save to the best ways to do so including IRAs, Roth IRAs, and 401(k)s.

Retirement Planning for Twenty-somethings
Think you are too young to consider retirement? Think again. You should start saving for your retirement as soon as you begin your working life. Here's how.

6 Types of Retirement Plans You Should Know
Retirement plans can be confusing, this basic overview can help you understand how each one is different.

Why You Should Contribute to a 401(k)
What a 401(k) is, how it works, and why you should be invested in your 401(k) plan.

No, You Are Not Too Young for an IRA
If you can read this, it's not too early to start saving for retirement. The sooner you start, the wealthier you can be.

How Much Should I Save for Retirement?
How much do you need to have saved before retirement? The short answer is: as much as you can.

How to Calculate What You'll Need to Retire
Can you figure out exactly how much you will need to live on for retirement? You can at least come close. Here's how to calculate a retirement savings goal.

Should I Pay Off My Debt Before Saving for Retirement?
Should you even consider saving for retirement if you have credit card debt? Get the answer to a frequently asked question: Save or get out of debt?

Tune Up Your Retirement Plan
Just like your physical health, your financial health requires regular attention and maintenance. Here are the steps to take to get your retirement plan in great shape.

Why Do Women Lag as Retirement Savers?
Women should be natural retirement savers. We like to plan, tend not to take risks with our money, we make good long-term investments. Why are we not saving and planning as much for retirement?

Top Steps Before You Retire Part 1 - Evaluate Your Net Worth
Evaluate your net worth is the first article in the Top Steps Before You Retire series. Before quitting your job, gaining an understanding of your existing assets and liabilities is critical. While you should also consider your anticipated income and expenses in retirement, its best to evaluate what you own and what you owe first, since lifes unpredictability, not to mention the potential…

Getting Started With Retirement Planning
An introduction to 401(k)s, IRAs, Roth IRAs, and the importance of early saving to a successful retirement plan.

How to Save for Retirement
To save for retirement, learn and follow these four simple steps.

Where do you get stuck when planning for retirement?
Although the steps to successful retirement planning are easy to understand, many people fail to follow them. Share your thoughts and experiences on this important topic.

Do I Have to Retire?
You don't have to retire if you don't want to. But you should still build a retirement nest egg. Here's why.

Retirement Saving: How Much is Enough?
When planning for retirement, one of the most challenging questions is "How much do I need to save?" Although there's no one-size-fits-all answer, there are numerous considerations. Learn what to think about and how to incorporate your personal goals into your individual retirement saving plan. It's much easier to save when you know what you're...

Can I Open an IRA for My Child?
Some kids do qualify for IRAs or Roth IRAs. Here's how to open an IRA for your child.

403(b) Plan Overview
Although similar to the more common 401K plan, a 403B plan has it's own particular considerations. If you work for school, hospital, or other non-profit, this is a must-read.

457 Plan Overview
If you work for a state or local government (or are among the highest-paid employees of a non-profit corporation), make sure you understand your 457 options.

Women and Retirement Planning
Understand the special considerations of retirement planning as a woman.

Retirement Planning for Families
So you want to take care of your entire family’s retirement? Here are three key ways to take the whole family into account as part of your retirement plan.

How much money do you need for retirement?
Almost half of our readers think saving $1,000,000 is necessary for a comfortable retirement. How much money do you think you need to retire?

Book Review: A Good Financial Advisor Will Tell You...
Want a good overview of the type of advice you will get from a financial planner? The book "A Good Financial Advisor Will Tell You..." is a good place to start.

Users Respond: Tell us how much you need for retirement
Almost half of our readers think saving $1,000,000 is necessary for a comfortable retirement. How much money do you think you need to retire?

Saving For Retirement With Help: The Saver's Credit
An often overlooked tax credit, the Retirement Saver's Credit could help you save for retirement with help from the government. Are you eligible?

The Importance of Beneficiary Designations
Should you die early, your will determines who takes care of your minor children. A will may also help you with the disposition of some of the things you own. However, certain beneficiary designations can override the wishes of your will. Find out how to avoid passing an unexpected hardship to your heirs.

What the Pension Benefit Guaranty Corporation (PBGC) Protects
When it comes to your defined benefit pension, learn what is and is not protected by the PBGC.

The Thrift Savings Plan for Federal Employees
Federal government employees have the option to participate in thrift savings plans (TSP)s which work very similarly to a 401K. Learn about TSPs and other considerations for retirement planning as a federal government employee.

New Year Resolutions For Your Finances
Don't make New Years resolutions you can't keep. Make them realistic and make them count. Making the right financial New Year's resolutions today can improve how you live in retirement.

How a Qualified Domestic Relations Order (QDRO) Works
Learn how to ensure the tax-advantaged features of certain retirement plans are preserved even when accounts are split up due to divorce.

Tenants In Common
"Tenants in common" is a specific way to title real estate. Learn how this affects the execution of your will if you pass away.

Tenants by the Entirety
"Tenants by the Entirety" is a common way to title real estate. This form of ownership affects the implementation of a will, should the property owner pass away.

Joint Tenancy
Joint Tenancy is a common way to title assets, often including real estate. Learn how it affects the execution of your will if you pass away.

The Pension Protection Act of 2006
Learn how this important legislation from 2006 changed retirement planning.

Moms Need to Plan for Retirement, Too
Moms give up so much for their kids, it's easy to forget about retirement. But moms can make retirement a priority. Here's how.

Which to Save for First: Retirement or College?
Saving for retirement or saving for your children's education? Can you guess the priority?

Top Steps Before You Retire, Part 2-Evaluate Your Projected Retiremen…
Evaluate Your Projected Retirement Cash-Flow is the second article in the Top Steps Before You Retire series. Before you quit your job, gaining an understanding of your projected income and expenses is crucial. While you should also consider your net worth, learning how your income and expenses will change (i.e., how much of a decrease in each) in retirement will help you prepare for yo…

Top Steps to Take Before You Retire
Think you are ready to retire? Make sure you have considered these five important top steps.

Evaluate Insurance Coverage Before You Retire
Before you retire, identify and fill in any insurance coverage gaps which will be created when you stop working.

Top Step 4 – Consider How You Will Spend Your Time During Retirement
Many people give little thought to how they will spend their time in retirement. After all, the biggest use of their time - working - will be no more. While many retirees report a near honeymoon- like period for the first six to nine months of retirement, many report an eventual urge to become more productive in retirement than they had anticipated.

Top Step 5 - Evaluate Your Estate Documents
Make sure your decisions during retirement - from how your assets will pass to medical treatments – go as you intend. Long before you quit your job, understanding and influencing what would happen to you and your things if you were unable to make decisions for yourself is critical.

How to Save For Retirement With an IRA
Have you started saving for retirement with an IRA? There are important steps to take before you start.

How to Save With an IRA Step 1 - Learn Your IRA Contribution Limit
Your maximum IRA contribution limit is based on several factors including your earned income, marital status, total income, age, date, and year. While the amount you can afford will also play in a role in how much you ultimately save for retirement with an IRA, understanding the general parameters of the tax law enables you to aim for the maximum.

How to Save With an IRA Step 2 - Choose a Regular IRA or Roth IRA
While both types of IRAs present excellent opportunities to save for retirement, choosing the right one is worth the effort. The IRAs differ in several ways including tax deductibility, taxation during retirement, and the impact of your current income. Your expectations for the future also play a role.

How to Save For Retirement With an IRA - Step 4 - Fund Your IRA
Now that you have opened an IRA, you should start funding it. Read here to learn more.

How to Save With an IRA - Step 5 - Invest Your IRA Money
The last step in the How to Save for Retirement With an IRA series is to invest your IRA money. Learn how here!

Your Home is NOT a Retirement Plan
No matter the state of the housing market, your home should never be your retirement plan.

Whatever Happened to the Three Legged Stool?
This metaphor was commonly used for retirement planning. Things have changed.

Retirement Planning With Assistance - When to Get Help From a Professional
Generally, the average income earner can develop their own retirement plan. However, there are instances where you should seek professional help.

Savings Accounts – Advantages of Savings Accounts
Savings accounts may not be as popular as they once were, but can be a great emergency fund.

Is Paying Your Mortgage Like Saving for Retirement?
If you have a home, you most likely have a mortgage. Although not the ideal savings plan, a mortgage can help you save for retirement.

How Long Term Care Can Wreck Your Retirement
Long term care can be financially devastating. It's important to plan ahead and protect yourself.

How to Plan for Retirement as a Couple
Are you and your spouse planning for the same retirement? Discussing retirement as a couple can help you plan for a shared ideal future.

Last-Minute Retirement Planning

Easy Financial New Year's Resolutions
Financial New Year's resolutions are as typical as any other kind, and just as typically we break them. Why not resolve to make realistic money moves this year? These are financial resolutions you can actually do.

401(k) or Roth IRA? Which One If You Can't Do Both?
Ideally, you'd be able to contribute to every available type of retirement plan. Somehow, the reality of daily living prevents that from being possible for most people. Therefore, it's important to choose your accounts wisely. Here's a discussion of what to consider when you feel that you have enough money to contribute to a 401(k) or a Roth IRA - but not both.

5 Retirement Killers
Get to know your biggest retirement risks and how to avoid them.

Retirement Saving Strategies
In order to be able to save for retirement, first you need to be saving. Period. Here's an article with 10 saving strategies.

What Is a MyRA?
What Is a myRA, How Does it Work and Who Qualifies?

Defined Benefit vs Defined Contribution Plan
Defined contribution plans vs defined benefits plans

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