{"id":10996,"date":"2016-05-21T08:12:57","date_gmt":"2016-05-21T14:12:57","guid":{"rendered":"http:\/\/www.coolchecks.net\/blog\/?p=10996"},"modified":"2016-06-11T15:11:04","modified_gmt":"2016-06-11T21:11:04","slug":"retirements-tricky-dont-wait-plan","status":"publish","type":"post","link":"https:\/\/www.coolchecks.net\/blog\/budgets\/saving-money\/retirements-tricky-dont-wait-plan.html","title":{"rendered":"Plan Ahead For Retirement"},"content":{"rendered":"

\"What<\/a>
What you should already be doing in planning for retirement.<\/figcaption><\/figure>The decisions you make early in life can make a huge difference in what your retirement cushion will look like. Waiting until you are about to head out the door of your employment is way too late to start thinking about it. <\/p>\n

Stay Married<\/h2>\n

It\u2019s common to hear from both parties to a divorce that he \/she \u201clost everything\u201d in the process. That isn\u2019t mathematically possible, but it\u2019s safe to say that it\u2019s rare that either partner benefits financially when there is a split. If you fall into the divorce pit (and some 50 percent of American couples do) remember to calculate the future needs of retirement as you divvy up the goods. Applying some sound common sense in the relocation process will help. Wiping out the entire proceeds from a divorce while setting up independently may leave little for the retirement years. A smaller living space, fewer immediate \u201cwants,\u201d a more economical car may be good alternatives.<\/p>\n

Spend Less Than You Make<\/h2>\n

This bit of wisdom has been bandied about forever, but not enough Americans pay attention. Debt is simply impatience expressed through money. If you save the amount of a monthly payment for as many months as the purchase takes, you can pay cash and avoid interest.<\/p>\n

Live Frugally<\/h2>\n

Used vehicles serve well for every day getting where you\u2019re going. Mow your own lawn, make your own repairs when possible, make eating out a rare option. Just keep thinking about how good life will be when you are retired if you don\u2019t spend it all when you aren\u2019t.<\/p>\n

Invest<\/h2>\n

Take what is left when you have lived frugally and put it into a savings plan that will offer some tax advantages. An investment counselor is a good idea if you aren\u2019t really savvy about the market. Making changes in your savings program just for the sake of change may be counter-productive. It can be tricky. Before you sign up for something new, think first if it will fit into the long-standing plans you have been pursuing. <\/p>\n","protected":false},"excerpt":{"rendered":"

The decisions you make early in life can make a huge difference in what your retirement cushion will look like. Waiting until you are about to head out the door of your employment is way too late to start thinking about it. Stay Married It\u2019s common to hear from both parties to a divorce that […]<\/p>\n","protected":false},"author":53,"featured_media":11010,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[457,307,89,299],"tags":[671,459,669],"_links":{"self":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/posts\/10996"}],"collection":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/users\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/comments?post=10996"}],"version-history":[{"count":0,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/posts\/10996\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/media\/11010"}],"wp:attachment":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/media?parent=10996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/categories?post=10996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/tags?post=10996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}