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View Poll Results: Are you saving or investing for retirement?
Yes, and have been for a while. 19 51.35%
Yes, just started. 6 16.22%
No, but I'm about to start. 2 5.41%
No, I'd rather put my money towards other uses. 0 0%
No. I'm pretty young, so I'll worry about it later. 2 5.41%
No, but I wish I could. 5 13.51%
Nachos! 3 8.11%
Voters: 37. You may not vote on this poll

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  #11  
Old 02-04-2012, 10:42 PM
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Not yet but I'm about to start. I'm 25 and this is my first stable job I like enough to at least think I may stay for my working years.
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  #12  
Old 02-04-2012, 10:57 PM
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No but I am only 20, and up until a week ago I was only making enough money to put gas in my car lol.

First order of business for me is to get my "car payment" squared away (which is really just money owed to my sister that I can pay off however I'd like), which will free up some funds and I would like to start putting money into savings. Not really for anything specific, and considering I haven't even started my career yet, I definitely don't have retirement on my mind!!.... but just because, well, saving is a smart thing to do.

But these adult-like matters probably won't take place until I land myself a stable full-time job.
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  #13  
Old 02-04-2012, 11:03 PM
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Umm.. I bought eye cream the other day.
It's supposed to stop wrinkles

..lol that seems like planning for age..kind of..

Oh and I also don't smoke and I wear sunblock everyday!
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  #14  
Old 02-04-2012, 11:06 PM
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No, but only because I work part time and can't afford to.
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  #15  
Old 02-04-2012, 11:25 PM
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Yes, but not as much as I feel I should. I have a 401k and really need to uo the percentage I put into it.
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  #16  
Old 02-05-2012, 08:16 AM
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Yep. Just the 401k right now but it's grown substantially in just five years. It's nice to see that. I do want to be able to retire, it's sad to see the people who changed careers late in life and may never retire because they have nothing to fall on. We have nurses in their 70s working who want to but can't , many.
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  #17  
Old 02-05-2012, 08:20 AM
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Husband and I have been putting the max into our 401k since we were 18, but we still worry about retirement.
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  #18  
Old 02-05-2012, 08:22 AM
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Yep! We've been saving since we've been out of college (401ks). We put a good bit in every month, and its very important to us to be able to retire (early, hopefully!).
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  #19  
Old 02-05-2012, 08:26 AM
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YES. (But I'm still terrified that I'll never be able to retire).

I had a 401k at my old job that I put 10% of my paycheck into each month. My employer added 3%. DH currently does the same thing. It's ROTH, so it's already taxed. The problem is, my new job (working for the school system) has no 401k. They have some sort of state retirement plan I think, assuming I ever make it to 30 years in the same school system, but I can't bank on that. I need to set up a 403b account, but I can't find a ROTH one through school and the whole thing is just intimidating. It's really stressing me out. We've upped DH's 401k to the max for the time being, but it's still not enough.

Anyone who's taken an econ or finance class knows the #1 rule of investing is the time value of money. A dollar today is worth more than a dollar tomorrow. Investing $200/month at 25 is worth more than $1000/month at age 35 (or that's the gist of it). Zach and I have been talking since we got married that we need to start investing more intentionally, but it's SO intimidating.
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  #20  
Old 02-05-2012, 08:27 AM
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Quote:
Originally Posted by Beanie View Post
Nope. I'm 28 and haven't started. My savings account is to go towards buying a house right now. Once that's squared away I have to make sure I can still afford to eat.

I honestly don't expect to be able to retire ever haha. I just can't afford much and the economy isn't going to throw me a rope here. Maybe when I'm 40 I can start saving? Feh.
This.
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