If Your Are Not in the Game, Get in the Game

By now, I hope you are convinced that there has never been a better time to be saving for your future. Even if you have to start small. So if your employer offers a 401(k) plan and you are not already enrolled, call your benefits office today and find out how to sign up. If your company doesn't have a 401(k) plan, you will need to set up your own individual retirement arrangement (IRA).

Details on how to do this—and everything else you need to know about IRAs for 2010 and beyond—are available in a special report I've posted on my website. You can download it for free from

Depend on Your Younger Self Now

No one is going to take care of you or me the way we would like to live when it comes time to retire. There are simply not enough taxable dollars to go around to support the 150 million Americans who will reach retirement age over the next 50 years. You know it and I know it. All we can count on is ourselves.

There's only one real way to guarantee yourself a comfortable and secure retirement: You need to depend on your younger self now. You will save yourself tomorrow by deciding to save yourself today.

The time to take action is now. So please take action. Get back in the game. Increase the amount you are saving for retirement. Decide to pay yourself first. Review what you are invested in and fix it if it needs fixing—and get help if your plan offers professional guidance. This is the heart of your "Start Over" plan. Please get it going today. I promise you—your older self will thank you later.

8 things to do this year to boost your retirement savings
Adapted from Start Over, Finish Rich. Copyright 2009 by David Bach. Reprinted by permission of Random House, Inc.


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