When you’re not spending money to constantly upgrade your toys, you’ll have more money to save.
With traditional pensions all but extinct, it’s up to you — and you alone — to save up the cash needed to live comfortably in retirement. Don’t count on Social Security either. The average monthly Social Security retirement payment was just $1,404 as of December 2017.
Failure to save enough money is a sure way to retire poor. Ideally, 10 to 15 percent of your income should be going into a retirement account each month. If you are behind in funding your savings goals, you probably should save even more.
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