Money in Your 30’s
It's not too late to start saving

If you didn't start planning for your retirement the first day you got your first job than congratulations, you are in the majority.

It's time to start seriously considering your options. If you have been saving for retirement than it is a good time to assess where you stand. More than likely there have been some life changes for you in the past ten years.

If you are in good shape for retirement, than how about some help for your kid's education. Haven't thought about it? Well you have a few years left and at the rate tuition is rising you might want to look in to it.

If you are lucky, you are 20-30 years away from retirement and even though it may seem like awhile, it can sneak up on you. You are robbing yourself of potential earnings the longer you wait to save.

If you have not yet considered a retirement plan than you should definitely speak with someone to get one set up. There are many options to choose from. 401(k)'s, IRA's, CD's, or even mutual funds can help to ensure that you can have an enjoyable retirement. For more details on these programs you can refer back to previous issues of the Pioneer Pilot.

It is a good idea to check with the Social Security Administration to see where your benefits stand. They will provide you with a free estimate of your anticipated retirement benefits. They will use your employment history and income to determine what you can expect upon retirement at this time. It is a good way to find out how much more you will need to live comfortable in the future. It is a good idea to not plan on just living off of Social Security due to its uncertainties and constant reforming.

You may want to start putting more away for retirement. Depending on your situation it may pay to take a look at your budget to find ways to be able to increase what you are contributing. If you are in or just starting a 401(k), you will want to research how you want your money to be used. You may want to look at more conservative investing since you don't have as big of a window as you would if you had started sooner.

Some of you may have a lock on your retirement and don't have to worry about your golden years. However if you have children, you may want to consider what you can provide for their future education. It's no secret that the cost of college rapidly increases each year. Even if you don't plan on fully funding their education you can put a little away each month to make sure that they have some support.

It is hard to predict what the economy will be like when they are ready to enter the job market, but if it is anything like it is now it may be difficult to pay back student loans right away. There are many recent college grads who are overwhelmed with college debt that could have been avoided with smart planning many years prior to their education.


Social Security Administration -


PHONE: 1-800-772-1213, (M-F 7am - 7pm)

MAIL: Social Security Administration

Office of Public Inquires

Windsor Park Building

6401 Security Blvd.

Baltimore, MD 21235

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