According to the U.S. Social Security Administration, retirement age can be anywhere between 62 to 70 years old, but most Americans work as long as they have to in order to make ends meet. When you’re thinking about your future, ask yourself what you want out of life. For some, working doesn’t sound all that bad. Others, however, dream of traveling the world, spending quality time with their children and grandchildren, or retiring early.

Contributing funds early and regularly to a Roth IRA or a 401k — especially if your company offers an employer match — is one key to securing a financially happy retirement.

When you are preparing for retirement, experts recommend that you pay down debts (including your mortgage), live below your means and limit nonessential expenses — yes, that means new golf clubs.

Retirement might feel far away, but saving now will lead to a more comfortable and financially stable future.

Plan for Your Future

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