A decade-by-decade approach to financial goals
这些按年龄划分的储蓄待办事项可以帮助你为退休做好准备.
The specifics of your financial plan 财务目标可能和其他人的不一样. 也许你想在退休后环游世界，而你的邻居却打算投入到全职志愿者工作中去. 然而，一些共享的步骤可以帮助你走上未来的轨道.
对许多人来说，最大的财务遗憾是没有尽早为退休储蓄. 以下是每个年龄段需要考虑的主要财务优先事项.
In your 20s
- Establish a consistent income.
- Build (and live with) a budget.
- Eliminate debt (credit cards or loans).
- Enroll in health insurance.
- 为大额开支开立储蓄账户，为退休后开立投资账户.
Retirement savings goal: 一些专家建议把你的年薪存起来，或者把工资的15%存起来.
In your 30s
- Fill your emergency fund with 3-6 months' salary.
- Eliminate additional non-mortgage debt.
- Create a will and get life insurance.
- 最大限度地匹配雇主赞助的退休计划.
- Put 20% down on a home.
- Start kids' education savings funds.
Retirement savings goal: 一些专家建议把年薪的2 - 3倍存起来.
In your 40s
- Maximize personal contributions to retirement accounts.
- 增加收入(协商加薪或增加收入流).
- Pay extra on your mortgage.
- Discuss your parents' finances and estate plans.
- 和你的孩子一起规划大学支付方案(不涉及退休储蓄).
Retirement savings goal: 一些专家建议把你年薪的6倍存起来，或者做一些额外的弥补.
In your 50s
- Take advantage of catch up contributions.
- Get long-term care insurance.
- 检查你的投资组合，必要时多样化.
- Revisit your will.
Retirement savings goal: 一些专家建议存下相当于年薪7到8倍的钱.
In your 60s
- 制定退休计划，并根据你的负担能力进行调整.
- Plan out a retirement income strategy.
- Decide when to take Social Security.
- Finalize an estate plan.
Retirement savings goal: 一些专家建议存下相当于年薪10倍的钱.
Important at every age
计划在人生的每个阶段和年龄都很重要. Talk with a financial professional 谁能帮你调整目标和策略来适应你的特定生活方式.
