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1. Easy Steps to Plan for
Retirement

2. Introduction
 Those who work for a living tend to have one major long-term
goal. They dream of the day when they can hang up the lunch pail
and retire.
 The Great Recession has made this dream a bit more difficult than
it was before, but it is still possible for most people who have
some of their working lives left to build up a nest egg that can
support them during their golden years.
 Here are some tips that can help get people on the right track in
saving for their retirements.

3. Start Early
The second step to retiring at a reasonable age is to save
regularly. It is not a good idea to just save a few thousand
early in life. To build up enough money for a comfortable
retirement, it is necessary to continue saving over the long
haul.
While the miracle of compound interest is great on initial
investments, it will grow even larger if additional funds are
contributed. Those who want to build up a nest egg should
make sure to save something every payday.

4. Start Early
Many companies provide a 401k plan so that employees can
save to eventually retire. In addition to the individual
contributions that employees can make, many employers will
match up to a certain amount.
For example, a company might choose to contribute 50
percent of an employee's contributions up to 5 percent of
that employee's salary.

5. Start Early
Maxing out the contribution to at least the maximum match
in this instance is an immediate 50 percent return on
investment. This payout is hard to beat with any other
investment.

6. Ignore Luxuries
Those who are able to retire with ease are usually the people
who do not have tons of extra toys at home.
They ignore the instant gratification for a future without
much stress.
There is a massive attraction to "keeping up with the
Joneses," but those who want to retire should ignore this
desire.

7. Ignore Luxuries
A nice boat or RV today is money that is not going toward
retirement, and that money cannot really be recouped
because the "investment" in a boat or RV will lose money
due to depreciation.

8. Conclusion
Retiring is a goal that most people throughout the world
have. Most people will retire at one point or another, but the
level of enjoyment will be much less for those who have not
chosen to adequately prepare.
These three easy steps can provide a great start toward saving
a nice sum to enjoy during the golden years.