VIDEO ON MSN MONEY
The key to retirement is just do it!
If you've worked a good majority of your adult life then when you can retire just do it!
Yes, there will need to be some adjustments in lifestyle, but just do it!
I have a brother and sister, who are older (we are all now in our 60's) than me, and have always made significantly more money than me and are still working. They both could easily retire, but haven't. I tell them don't wait until you are too old to enjoy the things in life you have worked for.
I just turned 60 and figure that I may have about 15 good years left to do things that require some physical mobility, i.e.; biking, swimming, walking, etc.... After that I believe I will become less mobile therefore being left with less options.
Life's short and you have no guarantees.
So, if you can afford to retire just do it!
I worked too hard and too long to scrimp and worry about how my finances will be for the next 30 or 40 years. People who do that might as well just give up and pull a trigger and get their miserable life over with now. Don't be a burden on your family, always worrying about where your next meal is coming from. I'm taking mine on a nice beach vacation soon and will live life to the fullest while I am there.
That's what retirement is supposed to be. It's why I scrimped and saved while I worked so I could enjoy the last 3 or 4 decades of my life. None of us know how long we have after retirement. I'm taking advantage of these years. I feel sorry for the people who don't.
The world is a safer place.
AL Qaeda has been decimated.
I heard about it from a media report.
And - - as an American.
I'm mad as hell!!!!!!!!!!
I'm the President - - I can do whatever I want.
I will have the most transparent administration in history.
There is not a SMIDGEON of corruption in the IRS!!!!!
The stimulus will fund shovel-ready jobs.
I am focused like a laser on creating jobs.
The IRS is not targeting anyone.
It was a spontaneous riot about a movie.
If I had a son.....
I will put an end to the type of politics that "breeds division, conflict and cynicism".
You didn't build that!
I will restore trust in Government.
The Cambridge cops acted stupidly.
The public will have 5 days to look at every bill that lands on my desk
It's not my red line - it is the world's red line.
Whistle blowers will be protected in my administration.
We got back every dime we used to rescue the banks and auto companies, with interest.
I am not spying on American citizens.
ObamaCare will be good for America
You can keep your family doctor.
Premiums will be lowered by $2500.
If you like it, you can keep your current healthcare plan
It's just like shopping at Amazon
I knew nothing about "Fast and Furious" gun-running to Mexican drug cartels
I knew nothing about IRS targeting conservative groups
I knew nothing about what happened in Benghazi
I have never seen my Uncle from Kenya who is in the country illegally and that was arrested and told to leave the country over 20 years ago
And, I have never lived with that uncle. (He finally admitted today, [12-05-2013] that he DID know his uncle and that he DID live with him.)
And the biggest one of all:
"I, Barrack Hussein Obama, pledge to preserve, protect and defend the Constitution of the United States of America."
The world is getting tougher. Most people will depend upon the government for retirement at this rate, because they can not afford to put money away themselves. We have to find a way though. We have no choice but to be smarter going forward financially. I don't want to be stuck without retirement savings, which is what I fear will happen to many of my friends. That is why I have made some huge changes to my spending/savings habit that have paid early dividends. This is the best of what has worked for me:
1. Always putting the max in my 401k that my employer will match. For me this is 4%.
2. Getting rid of an expensive life insurance policy that some "advisor" sold me on a few years ago. I found that you can get policies online for much less. I have one from LifeAnt and it only costs $15 per month.
3. I got rid of said advisor, and save the 1% in yearly asset management fees. What a waste.
4. I eat out less. This is literally thousands of dollars worth of savings each year. Just cook a couple extra times per week, and watch the money pile up.
I was hoping in my retirement to buy a couple of illegals from the government. They can do all of the work around my home and I can have them sleep in my basement. If we have to put up with them at least we should be able to benefit by their labor. If I keep them then they won't be a burden on the taxpayers. They would not be allowed to attend school or leave my property. I am sure an invisible fence similar to those used for dogs would work just fine.
If they get sick I can always get a couple more to dig the graves in the back yard. Or they could be cremated and the ashes dumped by airplane back on their home countries.
It should be an option for them when they are caught. Either return to your homeland or go into the purchase pool. Indentured servants are an old idea whose time has come again. With a little training they can be made to be useful additions to our society. I would vote to never grant them citizenship as they broke the law and don't deserve a reward for be dishonest.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
Occupy Wall Street bought and forgave the student loan debt of more than 2,700 Everest College students.