The alarm rings, you get up, shower, head to work, battle through rush hour traffic, put up with your annoying co-workers, deal with your jack-ass boss, and go home - just to do it all over again the next day.
Unfortunately if you are like most guys, you spend so much energy just trying to make it through the hustle and bustle of the day that you forget to think about your retirement.
That’s right, your retirement. The time when you can do whatever the heck you want to do without having to work! You can’t and don’t want to work forever, so now is the time that you should start planning for it. The good thing whether you done a little bit for your retirement or whether you have done nothing there are a few simple things that you can do to begin preparing today.
Take Advantage Of Your Employer Sponsored Plan
Chances are even if your boss is not so great, your company sponsored retirement plan is. Whether your job offers a pension plan or 401(k) you need to start taking advantage of it today.
Unfortunately if you are like most guys, you spend so much energy just trying to make it through the hustle and bustle of the day that you forget to think about your retirement.
That’s right, your retirement. The time when you can do whatever the heck you want to do without having to work! You can’t and don’t want to work forever, so now is the time that you should start planning for it. The good thing whether you done a little bit for your retirement or whether you have done nothing there are a few simple things that you can do to begin preparing today.
Take Advantage Of Your Employer Sponsored Plan
Chances are even if your boss is not so great, your company sponsored retirement plan is. Whether your job offers a pension plan or 401(k) you need to start taking advantage of it today.
There are three main reasons why you need to start with your employer plan. First most plans offer you tax benefits if the form of reducing the amount of taxable income reported to your employer on your W2 which can mean greater tax savings for you. For example if your income is $40,000 and you contribute $1,000 to your 401(k) your taxable income for the year will be $39,000.
The second reason you should start planning for retirement by taking advantage of your employer sponsored plan is that most employers allow you to contribute to your plan through automatic payroll deduction.
The second reason you should start planning for retirement by taking advantage of your employer sponsored plan is that most employers allow you to contribute to your plan through automatic payroll deduction.
Published: November 7, 2025
Whether your job offers a pension plan or 401(k) you need to start taking advantage of it today.
Retirement Help
This is a simple and easy method to start saving for your retirement because it’s out of sight and out of mind. You don’t have to worry about writing checks, or going to the bank, or spending the money you should be saving on the latest video games.
Third is that if your employer is a really good one, they may offer to match your retirement savings contributions. The average employer match is about 5% and it is yours once you have reached your vested period (typically 5 years). This benefit is huge, as it can possibly double your retirement savings.
Third is that if your employer is a really good one, they may offer to match your retirement savings contributions. The average employer match is about 5% and it is yours once you have reached your vested period (typically 5 years). This benefit is huge, as it can possibly double your retirement savings.
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Start An IRA
If your employer sucks and doesn’t offer a retirement plan or if you are already maxing out your current contribution amounts, then you should consider opening an IRA. IRA stands for Individual Retirement Account. There are two types of IRA’s a Traditional IRA and a Roth IRA, both offering unique advantages.
If your employer sucks and doesn’t offer a retirement plan or if you are already maxing out your current contribution amounts, then you should consider opening an IRA. IRA stands for Individual Retirement Account. There are two types of IRA’s a Traditional IRA and a Roth IRA, both offering unique advantages.
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