michelle r. skinner

Retirement is that time of life when a person leaves his job or career, ends his working life and settles into a state of leisureliness from a former busy life. 

A retired life that is financially secure can really bring about contentment and wellbeing throughout your golden years. Attaining financial security during retirement is a very doable goal. All you need to do is to plan well for it. Planning for retirement should be started as early as possible. When you are young and have an employer, it is easy to rely on that steady job to take care of retirement savings for you. But, as economic times are extremely unstable these days, one can never really depend on just one plan. You need to take responsibility for your retirement. Whether you have a job or your own business, you personally need to work out in advance how to make your future secure.

This book will give out these tips and more:

• Just start saving. Set up an amount every month that you feel you can deduct from your paycheck and set aside in a 401K plan, an IRA or just a plain old savings account. It does not matter how small an amount it is, just stick to it consistently and you will see that the amount will really add up in the end.

• Open a traditional IRA or a Roth IRA. IRA’s are not difficult to deal with. They are very easy to open,  do not require much effort to contribute to and are very practical to save with. Most Americans can open an IRA through banks or financial institutions.