Keeping the Gold in Your Golden Years

Thinking of retiring? Here are some tips as to how to keep the “Gold” in your “Golden Years” and help you to save money.

Start with full disclosure. Discuss money issues openly with your family such as what you are spending, saving, investing, and additional income. This will help to lessen family conflicts over saving and spending. Resolve to cut expenses and spend more wisely.

Determine where your money will be coming from, investments, pensions, social security or savings. Keep your money in tax deferred accounts such as 401K plans as long as possible and tap into accounts that aren’t tax deferred such as social security, traditional pension plans and personal savings.

Establish a budget. This will help you to understand your current expenses, live within your means, spend money more wisely, flag money problems, reach financial goals, prepare for financial emergencies and develop wise money management habits.

A good rule of thumb is to take out no more than 4% a year from retirement savings accounts, IRAs or 401K.

Claim that senior discount. Use every discount by becoming a member of the AARP. The AARP offers many valuable savings. Call (800) 424-3410 or www.aarp.org.

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