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While I don’t want to minimize the challenges of lower income workers saving for retirement, in many ways higher earners face a bigger slog. Don’t get me wrong, if you make a good income there are steps you can take to be financially independent earlier than traditional retirement age. Those with lower incomes can find it a challenge just to make ends meet let alone save for retirement. If you have a higher income, it’s important to recognize the impediments to putting aside enough to stop working. Being mindful of these challenges can help you take steps now to take care of your finances in the future.
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If you're about a decade away from your goal retirement age but your savings are not where you want them to be, don't panic. There are still opportunities for you to build up your nest egg over the.