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If you did that for 25 years, you could end up cracking the $1 million mark at age 65. We recommend you save 15% of your gross income for retirement, which means you should be investing $688 each month into your 401(k) and IRA. Let’s say you’re 40 years old with a $55,000 salary and nothing saved for retirement. If you’re afraid to take a peek at your 401(k) balance or feel hopelessly behind when it comes to saving for retirement, it’s not too late to get back on track!

We’re going to walk through a few ways you can catch up on your retirement savings together.įirst, a quick warning-there are about to be a lot of numbers thrown around, but in a good way! Ready? Let’s do this! It’s time to wake up, people! But don’t let that alarm clock scare you. The fat lady hasn’t sung yet!Īccording to The State of Personal Finance study, more than half of Americans are not currently investing for the future, and even more (60%) feel behind on their retirement savings goals. You can’t change the past, but you can still change your future. No matter how old you are or how much (or how little) you have saved so far, there’s always something you can do. We want you to hear us say this: It’s never too late to get started saving for retirement.

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