13 Tricks to Treat Yourself to a Sweet Retirement
It’s never too early to start saving for retirement. The sooner you start, the more likely you are to be able to retire comfortably. If you’re just starting out in your career, or if you’re already retired, there are several things you can do to make sure your money lasts as long as you do. Here are 13 tricks to treat yourself to a sweet retirement.
1. The first step to a comfortable retirement is to focus on the things you can control.
Focus on what you can control, and the rest will take care of itself. You can’t control how the stock market will perform, but you can control how much money you save. Start by setting aside 10% of your income for retirement savings. If you’re just starting out, that may seem like a lot, but it’s important to start early and save as much as you can. You can always increase your contribution rate as your income goes up.
2. One of the best investments you can make is in yourself.
Invest in yourself. If you’re not sure how to invest your money, a good place to start is with a 401(k) or another retirement account. But don’t stop there. Consider investing in your education or taking courses that will make you more marketable. The more you invest in yourself, the more likely you are to achieve your financial goals.
3. One of the golden rules of personal finance is to live within your means.
Live within your means. In other words, don’t spend more money than you have. The point at which financial freedom is obtained is the point at which you can make life decisions without worrying about the financial impact they might have on you.
4. Set up automatic saving techniques.
One of the best ways to make sure you save enough for retirement is to have the money deducted from your paycheck automatically. That way, you won’t even see the money and you’ll be less likely to spend it. You can set up automatic deductions through your employer or a retirement account like a 401(k) or IRA.
5. Don’t make financial decisions based on emotions.
Emotions are temporary. They will pass in time. Poor financial decisions, which are often based on emotions, can have long-lasting and potentially negative impacts on your retirement.
6. It all starts with a financial goal.
When you set a financial goal that is trackable and attainable, followed by a stretch goal that is seemingly out of reach, you will find that hitting your goal was the easy part! Even if you do not hit your stretch goal you will most likely have surpassed the initial goal you set for yourself.
7. Pay attention to your money. Because if you don’t, who will?
The only way to truly find comfort in your finances is to over-familiarize yourself with them. Make an effort to pay deep attention to your money, like identifying where it is coming from, where it is going, and what it is or isn’t doing for you along the way. You might be surprised by what you find!
8. Make a budget.
A budget can help you get a handle on your finances and make sure you’re saving enough for retirement. When you’re making a budget, be sure to include your income, expenses, and savings goals.
9. Invest in tax-advantaged accounts.
Several retirement accounts offer tax breaks, such as 401(k)s and IRAs. If you can, invest in these accounts to save on taxes.
10. Consider a Roth IRA.
A Roth IRA is a retirement account that offers tax-free withdrawals. That means you’ll pay taxes on the money you contribute, but you won’t owe any taxes on the money you withdraw in retirement. If you think you’ll be in a higher tax bracket in retirement, a Roth IRA may be a good option for you.
11. Financial freedom doesn’t happen overnight.
It’s not a sprint. It’s a marathon. All financial success was a direct result of years of hard work and planning. Don’t praise the success of today without giving credit to the struggles of yesterday.
12. Don’t compare your financial situation to someone else’s.
Comparing your financial situation to someone else’s will only make you lose focus on what you have accomplished. No two clients have had the exact same situation in life, so instead of comparing your financial position to someone else’s, invest that mental energy in continuing to accomplish your goals.
13. Seek financial help if you need it.
If you’re having trouble saving for retirement, don’t be afraid to seek help. There are several resources available, including financial advisors, retirement planners, and online calculators.
Saving for retirement can be a challenge, but it’s important to start early and stay on track. By following these tips, you can make sure you have the nest egg you need for a comfortable retirement.
Information presented here is considered current as of the created date. Over time, some information presented may become stale. We recommend you consult with your Financial Professional before making any changes based on information contained here.
Johnson Brunetti is a marketing name for the businesses of JB Capital and JN Financial.
Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC.
The guarantees provided by any type of insurance contract are based on the claims-paying ability of the insurance company.
Related Resources
-
How Is Medicare Changing in 2026?
Medicare costs like premiums, deductibles, and copays generally change every year. But what does this mean for your broader retirement plan? Well, even small adjustments can have a large impa… -
Podcast Episode 434: I’m 59½, What Should I Do with My 401(k)?
Prefer to watch? Click here to watch and listen. If you’re approaching age 59½, you’ve hit an important financial milestone. New options are now available, and you may not realize just how many… -
What Important Financial Wisdom Have You Learned?
Your behavior around money can either be your greatest obstacle or your greatest strength. Often, an investor’s behavior is the biggest impediment to their success. With over 30 years of experi… -
Podcast Episode 433: 5 Must-Know Social Security Rules Before You File
Prefer to watch? Click here to watch and listen on YouTube. Timing your Social Security retirement benefits isn’t simply choosing an age and calling it a day. This is one of the biggest financi… -
Podcast Episode 432: 10+ Retirement Bucket List Ideas
Prefer to watch? Click here to watch and listen on YouTube. Retirement is ultimately about finding purpose and community. Yet many retirees discover that even with enough savings, it can be dif… -
Podcast Episode 431: Am I Holding Too Much Cash in Retirement?
Prefer to watch? Click here to watch and listen on YouTube. What does it mean to be financially “safe” once you retire and your paycheck stops? If you’re wondering whether too much cash could p… -
Should I Retire in 2026?
Deciding to retire at any time depends more on your personal financial readiness than on the calendar year itself. But while there is no one-size-fits-all answer, there are certain indicators to t… -
Podcast Episode 430: Should I Work 5 More Years or Retire Early?
Prefer to watch? Click here to watch and listen. Without a paycheck, how do you know if you can support your lifestyle after retirement? This is one of the most common questions people have whe… -
Should I Rebalance My Portfolio Before the New Year?
Does rebalancing belong on your year-end to-do list? Reviewing your asset mix before the new year can help ensure your portfolio still reflects your goals and risk tolerance. But while rebalancing… -
What Is the Best Way to Pay for Long-Term Care?
What’s the “best” way to pay for long-term care expenses? The answer is highly personal, depending on your unique financial situation and individual needs. Regardless of your stage in life, it’s i…
-
Laura H.Laura H. is a client of Johnson Brunetti and received no compensation for their statement.
“Your corporate values and mission have stayed constant which we’d say is the primary reason we are so satisfied. We believe that mission should never change.”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
-
John L.John L. is a client of Johnson Brunetti and received no compensation for his statement.
“We are extremely please with J&B. Referring back to our one word, Family, we trust your firm, advisors, and services as we would a member of the Family. Thank you for everything!”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
-
Joe D.Joe D. is a client of Johnson Brunetti and received no compensation for his statement.
“Your model is working well, continue to keep your focus on your clients. The podcasts are an effective way of communicating information and real life stories. Your business is supporting your clients’ many different real life stories.”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
-
Jackie L.Jackie L. is a client of Johnson Brunetti and received no compensation for her statement.
“I love how everyone in the company makes us feel. Like we are one big happy family. I wouldn’t change anything! “
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
-
Christine Q.Christine Q. is a client of Johnson Brunetti and received no compensation for her statement.
“Your services are exemplary and greatly appreciated by my husband and myself to live out our retirement years feeling safe and secure. Thank you!”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
-
Barbara S.Barbara S. is a client of Johnson Brunetti and received no compensation for her statement.
“We are very happy with Johnson Brunetti. It has really taken a load off our shoulders. Thank you.”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
