Are you planning on retiring soon? Maybe you were forced into retirement like my mom. You always hear about stories like that, and then it happens to you or someone you know. Retiring early has it’s benefits, as my mom can surely tell you, but at the same time, it can be difficult unless you’re ready. You might be planning on retiring soon, but are you ready?

Maybe you’ve been putting it off because you’re still building your nest egg. Or, maybe you’re just starting out planning for your golden years, an you want to make sure you do it right. The main key to saving is consistency, although it does matter what investments you choose. You are going to invest, right? Do you have a 401k if not, do you have an IRA? Perhaps you have both of them, and then that would likely mean you’re on track towards your savings goal for when you retire.

There are discounts brokers, sites, apps and other resources that can help you save for retirement. Are you planning on retiring early? if you start saving really early and put back enough money, the right investments and compounded dividends and interest can put you there. It’s not easy, especially in this day and age. A good job requires a college degree for the most part because other types of jobs keep leaving for other countries. Education costs in this country have skyrocketed. I just saw a report today about how on average it takes students until they are 34 to pay off student loans.

That’s probably on a good day. So saving and planning to retire on time, much less early, is sometimes difficult. On thing you need to know about saving to retire is that consistency has everything to do with making it easy on yourself. Have a certain percentage taken out of your paycheck for your 401k or IRA. If you’re not taking advantage of any of these investment vehicles with huge tax benefits, you need to reconsider your planning efforts.

There is a reason that they are recommended so heavily. Another thing people often depend on is social security. It is a benefit that people are supposed to be entitled to, but will it still be around? You might be concerned about that, but even if it is, you still need to supplement with investments and savings. How comfortable do you want to be when you retire?

You don’t have to live in the Keys or anything, but what do you want to be doing? It would be nice for you to be able to travel and spend your time also in your home town doing all kinds of different things to have fun. You’re supposed to enjoy those golden years. Whether you are close or far away from that age, saving to retire is something that should be a goal starting day one of employment. After all, to retire means to stop working and you might as well plan for that from the get go. You should call a financial adviser for a free consultation now no matter your age.