1. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Planning for retirement in your thirties  in commendable. You can never start planning early enough, especially if you subscribe to Einstein appreciation for compounded interest, i.e. then procrastination is an economic killer. Starting a retirement plan is paying yourself first. If you're in a high tax bracket and your employer offers a defined contribution plan and matches part of your pretax contribution, do it. If you have no employer plan in place, consider a traditional IRA or Roth IRA. And if you consider a Roth IRA,, you may want to look into a non-qualified cash value life insurance plan.
    Answered on September 12, 2013
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