一个十年一个十年地实现财务目标
帮助 stay on track for retirement with these savings to-dos by age.
你的具体情况 财务计划 和 financial goals may not resemble anyone else's. Maybe you want to trek the globe after you retire while your neighbor plans to dive into full-time volunteer work. However, some shared steps can help get you on track for your future.
The number one financial regret for many people is not saving early enough for retirement. Here's a breakdown of key financial priorities to consider at each age.
20多岁的时候
- 建立稳定的收入.
- 构建(并与之共存)一个 预算.
- 消除债务 (信用卡或贷款).
- 参加 健康pp王者电子官网.
- Open savings accounts for big expenses 和 investment accounts for retirement.
退休储蓄目标: 一些专家建议把你的钱存起来 年薪还是存15%的工资.
30多岁的时候
- 填满你的 应急基金 3-6个月的工资.
- 消除额外的非抵押债务.
- 创建一个 将 并获得 人寿pp王者电子官网.
- Max the match on employer-sponsored retirement plans.
- 首付20%买房子.
- 开始孩子们 教育储蓄基金.
退休储蓄目标: 一些专家建议储蓄 2 to 3x your annual salary.
40多岁的时候
- 最大化个人贡献 退休账户.
- Increase income (negotiate a raise or add a stream).
- 额外支付抵押贷款.
- 讨论你的 父母的财政 和 房地产计划.
- Map out college payment options with your kids (without touching retirement savings).
退休储蓄目标: 一些专家建议储蓄 6x your annual salary or making extra catch up contributions.
50多岁的时候
- 利用弥补贡献.
- 得到 长期护理 pp王者电子官网.
- 检查你的投资组合，必要时多样化.
- 重新审视你的遗嘱.
退休储蓄目标: 一些专家建议储蓄 7 to 8x your annual salary.
60多岁的时候
- Make retirement plans 和 tweak based on what you can afford.
- 制定一个退休收入策略.
- 决定什么时候参加社会pp王者电子官网.
- 最后确定遗产计划.
退休储蓄目标: 一些专家建议储蓄 10x your annual salary.
每个年龄段都很重要
规划 is important at every stage of life 和 age. 与朋友交谈 金融专业 who can help you adjust goals 和 strategies to your specific lifestyle.
