Want to have a happy, stressless life where you can go on vacations frequently? SAVE FOR RETIREMENT NOW!!!

As it may seem retirement is a long ways away, it is. But, that shouldn’t stop you from saving money now because it will be worth it when you are cruising down on a warm sunny day to the bahamas!

1. First, you should estimate your future spendings by using your current spending to project your future expenses. So to start, you can use a spreadsheet to document your costs using one column as your current expenses and a second column as your guess for expenses in retirement.
2. Next, you should use your projected spending to decide how much income you’ll need. So after figuring out how much you think you’ll spend in retirement you will need to figure out about how much you should be making to pay for those costs, especially about 10 years prior to your retirement.
3. Then, use a retirement calculator that will give you an estimate about the age you will retire with the amount of money you have made and saved. For example, “A 25-year-old who has $10,000 saved, earns $50,000 a year and wants to replace a little less than that level of income will need about $2,833 a month in retirement. Saving 12% of his income — a number that adds up to around $500 a month, and can include employer matching dollars — will allow him to retire by age 68.” (nerdwallet.com)
4. After,  you want to jot down a retirement plan for your plans during retirement to confirm the amount you are making can fit what you want to do.
5. Finally, you should revisit regularly so that if there are changes in your future whether it is financially or just something that has come up unexpectedly you should stay aware of how that affects your plans so that you are living the retirement life you have planned on.

As this seems like a lot of work it can be, but you will thank yourself when you are living the retirement life you planned on:))

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