Roth Crazy
Keeping Our Golden Years ‘golden’
Keeping our golden years ‘golden’ is very important, though many of us continually give the need to do short shrift in the here and now. Given that the current economy is so unstable, it at least gives us an opportunity to look at Medicare (going broke soon) and Social Security (is currently broke and running a deficit) and understand that we’re going to need something in addition to government-run retirement programs if we hope to live well.
Maybe now — while you’re sitting there thinking about how you’ve gradually come to develop leg arthritis from a youthful life spent doing wild and crazy things — is a good time to ponder on your future. Many studies have shown that we’re saving nowhere near the amounts we need to in order fund a nice retirement that reflects the lifestyle that many of us have grown accustomed to in our high-income earning years. Something’s got to give, though.
And what’s got to give is the obstinacy many of us show when it comes to refusing to consider how we’re going to gain a meaningful retirement income. What’s clear is we need to begin thinking and planning for it NOW and not the year before we’re ready to pull the rip cord and bail out of the working man’s airplane. Relying on government social programs for our needs isn’t the smartest thing to do, so investing and saving now becomes doubly important.
There are a couple of key concepts to keep in mind in the midst of all this: Saving and investing. How many out there are doing even the minimum amount of it? And if we’re not doing much of it, when are we going to start? The world’s full of quality advice on how to do so (the Internet and cable TV’s full of business websites and shows), even in the face of current market turmoil. For a fact, quality saving and quality investing is the way to go.
Consider an owner of a fine costume jewelry wholesale distributor company, to use an example of someone in business who may have a few employees but who’s mainly got to see to his financial health. He might not even have set himself up with a 401(k) or some sort of thrift savings plan. Additionally, he might not be taking advantage of a health savings account (which uses pre-tax money, which is a big bonus). What’s he going to do when he retires?
Unfortunately, he’s not going to be able to do much if he doesn’t have some savings in the bank, a few IRAs and maybe a 401(k) to help supplement the meager check he’s going to be getting from Social Security — if it even exists at all once he’s old enough to retire. And if he hopes to really enjoy his golden years, not having a concerted savings and investing plan NOW will end up costing him additional pain later, when he can least afford it.
The bottom line to all this is that we’ve got to begin now (even if ‘now’ is only a couple years before retirement) in order to avoid problems later, especially when we’re looking to enjoy a nice retirement. No matter how old you are, it’s never too late to start saving and investing and it’s wise to consider your financial health right alongside your physical health in terms of absolute importance.
David Lee Roth-Goin’ Crazy (Official Music Video)
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Crazy From the Heat $2.69 All products are BRAND NEW and factory sealed. Fast shipping and 100% Satisfaction Guaranteed…. |
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Crazy From the Heat $8.96 No Description AvailableNo Track Information AvailableMedia Type: CDArtist: ROTH,DAVID LEETitle: CRAZY FROM THE HEATStreet Release Date: 06/16/1992… |
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Crazy From The Heat $3.89 … |
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