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canada goose Nearly Half Of Gen X And Gen Y Feels Behind On Retirement Savings Emma Miller , LearnVest Sep. 24, 2014, 11:05 AM Gen X and Y feel like they’re at the back of the pack.U.S. ArmyYou wouldn’t board a plane without knowing your destination. So why save for retirement without defining your goal? Yet a new study from market research firm Greenwald & Associates reveals that, when it comes to planning for their golden years, Generations X and Y may be headed nowhere — fast. But that doesn’t mean these people don’t have retirement on the brain. In fact, 90% say saving up for their golden years is an important goal. However, two-thirds admit they haven’t calculated just how much they need to save for retirement — and almost half (48%) feel incredibly behind on this crucial savings goal. Without specific goals in mind, saving for retirement can feel a lot like running a race without knowing where to find the finish line. In 100-degree weather. With scuba gear on. But it doesn’t have to be such a stressful, directionless endeavor. 2 ways to get on the right retirement track So how can you start taking control of your retirement savings? The key is to take it one step at a time. «Start with what you can afford to contribute canada goose , and make sure you’re taking full advantage of your employer match, if you’re eligible — otherwise you’re leaving free money on the table,» says Brandie Farnam, a Certified Financial Planner™ at LearnVest Planning Services. «Then gradually increase your contributions by 1% every six months. Incremental increases can have a big impact on your future — but a small impact on your budget today.» Another option? Consider working with a financial planner. The Greenwald study finds that almost 40% of Gen Xers and Gen Yers think a financial adviser is an important source for sound money advice. They’ve likely caught on to the fact that a planner can help struggling savers set their goals — and then gauge whether they’re on track to meet them. Need a motivational nudge? This video can help you calculate your goals in order to start creating your own retirement strategy — and take the first step toward a brighter financial future. LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. Unless specifically identified as such, the people interviewed in this piece are neither clients, employees nor affiliates of LearnVest Planning Services, and the views expressed are their own. LearnVest Planning Services and any third parties listed in this message are separate and unaffiliated and are not responsible for each other’s products, services or policies. Read the original article on LearnVest. Copyright 2018. Follow LearnVest on Twitter. SEE ALSO: 5 Giant Myths Of Retirement Planning canada goose parka

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