Yes, I am saving and have started late at the age of 30. I am 32 now and have $23k in a 401k and 457 combined. For this 2016 year, my goal is the maximum allowed limit on the 401k -- $18,000. If there's time left before the year ends, then I'll put whatever I can into the 457. Ideally, I wish to max out the allowed limit each year into either account or a little extra into another account to avoid going over the limit.
I'm single with no attachments and never been married. My decent income of 67k/year helps me put a lot to save on taxes. I live below my means and stay away from society's materialistic competition. No one pays my bills, regardless of I win or lose. So it's safer and more peaceful to avoid the competition overall.
I totally agree with you. I normally charge and pif. Rinse & repeat. But now that I purchased a new home, I decided I "wanted" all new furniture, landscaping, etc. I paid (check) for all of the contracting work because they would only accept a check in my state of FL. Lost a lot of miles/points on that. But I am charging and paying off my furniture now for over a year. I charge 30k and pay and keep going until I finish furnishing my new home. So now I am doing BT's not to pay interest as I don't believe in charging more than you can pay off in 6 - 12 months. But swipes fees alone are enough to keep cc's interested in keeping you around.
I only have one savings account which, at the moment, serves as an emergency fund and retirement savings. I really need to look into better options for my retirement money, but I am currently between jobs, so I'm hoping my next employer will offer some good options.
I started my 2nd career here in the United States after I moved to the country when I was around 34, and have been saving ever since. I've a 401k, Roth IRA, HSA and a Savings account for emergency funds. The company I work for offers a 401k with a 5% match, so I take advantage of that and increase my contribution every time I get a raise. Maxed out Roth IRA and at 16% into company 401K and increasing it every year by the performance rise received annually.
I encouraged my wife to open and max out her Roth IRA when she hit 34. She was a homemaker before that. She's contributing at 12% annually into her 401K and also has her annual bonus deposited into it. Every annual performance hike is deposited into the 401K.
I started saving as a college student. Throughout the years I have added to Roth IRAs, investment accounts, annuity and have invested in land. The best way to save was payroll deduction. Now as an older person, I feel confident that I am in good shape going into my final decades.
Yes. I have started saving for retirement. Both my husband and I have IRA accounts. We have also been paying off all loans and bills. All that is left is our mortage on our home. Our goal now is to not add any debt. 12735
Real outdoors people & travelers use maps. My husband has gotten lazy about map reading & I saved our asses. He was using Google maps when we got caught in an area that had no cell phone reception. I whipped out the map & compass, which got us back on the main highway in no time at all. Sewing & ironing are still valuable skills. My son is 21 years old & he's had to iron his own shirts after forgetting to take them to the cleaners. He had a presentation the next day before the UN!
Yes - The company I work for offers a 401k with a 4% match, so I take advantage of that and increase my contribution every time I get a raise. I'm trying to pay off my debts before I start saving/investing anywhere else, but at least I have a start on my retirement.
I've started saving for retirement with an IRA. I'm way behind in saving for retirement and I'm not saving enough but I'm saving what I can and working to earn more so I can save more.
I started my 2nd career here in the United States after I moved to the country when I was around 35, and have been saving ever since. I have a 401k, IRA, Roth IRA, HSA, brokerage a.c , target index mutual funds and a saving account for emergency funds. I maximize my 401k, Roth and HSA contributions every year. I put myself on a budget and save almost $3,000 to $4,000 each month. I brown bag my lunch, shop off sales racks, make an extra mortgage payment every month, and don't carry over credit card balances. I am inherently not a materialistic person, so don't buy (or like) stuff, but I do love experiences, so travel is my one annual "splurge". I am 50 now, and am reasonably happy with my retirement plan, though i do wish I had started investing in stocks earlier than I did. for the longest time I was paranoid of the stock markets.
I have an IRA that I have contributed a little to, but since I am in transition, it is not funded the way I'd like it to be. Once I'm established in my new career, I know I'll be able to contribute in a more meaningful way to the account.
Yes! We use a savings account and Roth IRAs. Money is accumulating very slowly... But I'm planning to freelance long after retirement age, so that should help the finances.
Yes, I have my 401K that I have had for years to save for my retirement.
Yep...paid off all consumer debt and put all that new money into retirement!
Yes, I am saving and have started late at the age of 30. I am 32 now and have $23k in a 401k and 457 combined. For this 2016 year, my goal is the maximum allowed limit on the 401k -- $18,000. If there's time left before the year ends, then I'll put whatever I can into the 457. Ideally, I wish to max out the allowed limit each year into either account or a little extra into another account to avoid going over the limit.
I'm single with no attachments and never been married. My decent income of 67k/year helps me put a lot to save on taxes. I live below my means and stay away from society's materialistic competition. No one pays my bills, regardless of I win or lose. So it's safer and more peaceful to avoid the competition overall.
I have a general savings that isn't strictly for retirement but I will most likely use it that way.
I have IRA and investment accounts and feel confident in my retirement accounts.
I totally agree with you. I normally charge and pif. Rinse & repeat. But now that I purchased a new home, I decided I "wanted" all new furniture, landscaping, etc. I paid (check) for all of the contracting work because they would only accept a check in my state of FL. Lost a lot of miles/points on that. But I am charging and paying off my furniture now for over a year. I charge 30k and pay and keep going until I finish furnishing my new home. So now I am doing BT's not to pay interest as I don't believe in charging more than you can pay off in 6 - 12 months. But swipes fees alone are enough to keep cc's interested in keeping you around.
My companies 401K.
No I haven't yet
maxing out my 401k contribution to the 6% my company contributes to and I'm only 21! Gotta love compound interest
I am in retirement and still saving.
I only have one savings account which, at the moment, serves as an emergency fund and retirement savings. I really need to look into better options for my retirement money, but I am currently between jobs, so I'm hoping my next employer will offer some good options.
I started my 2nd career here in the United States after I moved to the country when I was around 34, and have been saving ever since. I've a 401k, Roth IRA, HSA and a Savings account for emergency funds. The company I work for offers a 401k with a 5% match, so I take advantage of that and increase my contribution every time I get a raise. Maxed out Roth IRA and at 16% into company 401K and increasing it every year by the performance rise received annually.
I encouraged my wife to open and max out her Roth IRA when she hit 34. She was a homemaker before that. She's contributing at 12% annually into her 401K and also has her annual bonus deposited into it. Every annual performance hike is deposited into the 401K.
My job is soooo boring, but this helps thanks!
Yes, since I started working after college. I wish I had been able to save more!
I started saving as a college student. Throughout the years I have added to Roth IRAs, investment accounts, annuity and have invested in land. The best way to save was payroll deduction. Now as an older person, I feel confident that I am in good shape going into my final decades.
The link for the decluttering article links to the one about motherhood books.
I have been saving but not nearly enough to take care of me when it's time to retire.
Yes. I have started saving for retirement. Both my husband and I have IRA accounts. We have also been paying off all loans and bills. All that is left is our mortage on our home. Our goal now is to not add any debt. 12735
Real outdoors people & travelers use maps. My husband has gotten lazy about map reading & I saved our asses. He was using Google maps when we got caught in an area that had no cell phone reception. I whipped out the map & compass, which got us back on the main highway in no time at all. Sewing & ironing are still valuable skills. My son is 21 years old & he's had to iron his own shirts after forgetting to take them to the cleaners. He had a presentation the next day before the UN!
Yes - The company I work for offers a 401k with a 4% match, so I take advantage of that and increase my contribution every time I get a raise. I'm trying to pay off my debts before I start saving/investing anywhere else, but at least I have a start on my retirement.
I've started saving for retirement with an IRA. I'm way behind in saving for retirement and I'm not saving enough but I'm saving what I can and working to earn more so I can save more.
I started my 2nd career here in the United States after I moved to the country when I was around 35, and have been saving ever since. I have a 401k, IRA, Roth IRA, HSA, brokerage a.c , target index mutual funds and a saving account for emergency funds. I maximize my 401k, Roth and HSA contributions every year. I put myself on a budget and save almost $3,000 to $4,000 each month. I brown bag my lunch, shop off sales racks, make an extra mortgage payment every month, and don't carry over credit card balances. I am inherently not a materialistic person, so don't buy (or like) stuff, but I do love experiences, so travel is my one annual "splurge". I am 50 now, and am reasonably happy with my retirement plan, though i do wish I had started investing in stocks earlier than I did. for the longest time I was paranoid of the stock markets.
I have an IRA that I have contributed a little to, but since I am in transition, it is not funded the way I'd like it to be. Once I'm established in my new career, I know I'll be able to contribute in a more meaningful way to the account.
I have started saving, but didn't save much so far
Yes! We use a savings account and Roth IRAs. Money is accumulating very slowly... But I'm planning to freelance long after retirement age, so that should help the finances.