If life’s demands have made it hard so far to save for retirement, your 50s offer a good chance to catch up. You’ll see if you are saving enough by following the first three steps: mapping your retirement, assessing your situation and estimating your retirement income.
If you find there’s a gap between savings and your needs in retirement, the next step is to ramp up your savings.
Shoot for saving 20 percent of your income. If that’s too big a change, choose a lower percentage to start with and then increase it over time. For example, if you can only set aside 10 percent of your income right now, start there and increase the percentage by 2 percent each year or 1 percent every few months.
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