我每天對這桌上電腦盯著。 瀏覽雜七雜八文章。
忽然看到" 要存款多少?才夠到你的退休目標 " 悚然一驚!
她說" 你若是二十到三十歲 要開始存你的收入的10%"。
美國人有錢就花光光。 "月光族"多的很。
沒錢再用信用卡去刷呀。
不幸變成卡債滿天飛。
那就變成"卡奴"要付高利息啦。
在下以前就是不折不扣的一個"月光族"。
上有年老公婆要寄錢回臺灣去俸養孝敬。
下有三個小孩要交不少大學學費。
生活就像夾心漢堡"兩面夾攻"。
自己再怎麼省吃儉用也沒法剩下錢來。
怎麼辦?"月光族"就"月光族"吧!
女兒都很乖。 從不要求穿名牌貴衣。
也不抱怨沒帶她們上過大飯店吃飯。
健康平安長大就是了。
我們開"速霸陸"車。雪地安全最重要。
我們沒有買"賓士"車。好撐門面。
我們自己也不買名牌皮包或衣飾。
每禮拜上教堂奉獻。
或慈善樂捐我們不會少給。
老天有眼! 我們量入為出。
每月付清信用卡款項。
還好沒有淪落成"卡奴"。
現在積蓄不很多。 但是還夠用就是了。
幸好心無太貪。 能過日就好。
再說到六十五歲退休年紀。
社會福利金兩人每月共領個三千美元。(NT$9萬元)
大約回臺灣故居去養老還夠用吧?!
唉呀!如果年輕都不存 。那年老就兩袖清風 。嗚呼哀哉了。
How Much Should You Save?Meet Your Retirement Goals with These Tips
by Kim Lankford -- Monster Contributing Writer
http://content.salary.monster.com/articles/retirement_savings/
Rebecca Pace, a Cincinnati-based financial planner and CPA, recommends putting aside at least 10 percent of your income when you're in your 20s and 30s -- and even more if you're single.
For example, if you're 25, you only need to invest about $3,600 per year to end up with $1 million by the time you're 65......
For example, if your employer matches 50 cents on the dollar for up to 6 percent of your salary and you earn $40,000, you'd get the maximum match if you contribute $2,400 in a 401k. In that case, you'd get $1,200 from your employer, bringing your total contribution up to $3,600.
If you can also afford to invest $200 per month in a Roth IRA, your total savings rate would rise to 15 percent of your $40,000 salary. Continue to invest that much for 35 years, and you could end up with more than $440,000 at age 65, totally tax-free under Roth rules. Add the two together, and you'd have more than $1.1 million for retirement.
