七条建议助你退休后增收
<p><span word="To">To</span> <span word="live">live</span> <span word="comfortably">comfortably</span> <span word="in">in</span> <span word="retirement">retirement</span>, <span word="you">you</span> <span word="need">need</span> "<span word="to">to</span> <span word="save">save</span> <span word="until">until</span> <span word="it">it</span> <span word="hurts">hurts</span>," <span word="says">says</span> <span word="financial">financial</span> <span word="adviser">adviser</span> <span word="and">and</span> <span word="best">best</span>-<span word="selling">selling</span> <span word="author">author</span> <span word="Ric">Ric</span> <span word="Edelman">Edelman</span>.</p><p><span word="People">People</span> <span word="give">give</span> <span word="lots">lots</span> <span word="of">of</span> <span word="excuses">excuses</span> <span word="for">for</span> <span word="not">not</span> <span word="saving">saving</span> <span word="for">for</span> <span word="retirement">retirement</span>, <span word="he">he</span> <span word="says">says</span>. <span word="They">They</span> <span word="may">may</span> <span word="be">be</span> <span word="procrastinating">procrastinating</span>, <span word="think">think</span> <span word="they">they</span> <span word="can">can</span>'<span word="t">t</span> <span word="afford">afford</span> <span word="to">to</span> <span word="save">save</span> <span word="or">or</span> <span word="fear">fear</span> <span word="losing">losing</span> <span word="money">money</span> <span word="to">to</span> <span word="bad">bad</span> <span word="investments">investments</span>, <span word="but">but</span> <span word="they">they</span> <span word="have">have</span> <span word="to">to</span> <span word="overcome">overcome</span> <span word="those">those</span> <span word="fears">fears</span>, <span word="because">because</span> "<span word="a">a</span> <span word="financially">financially</span> <span word="secure">secure</span> <span word="future">future</span> <span word="will">will</span> <span word="be">be</span> <span word="up">up</span> <span word="to">to</span> <span word="them">them</span>," <span word="says">says</span> <span word="Edelman">Edelman</span>, <span word="who">who</span> <span word="has">has</span> <span word="a">a</span> <span word="new">new</span> <span word="book">book</span> <span word="on">on</span> <span word="the">the</span> <span word="topic">topic</span>,<span word="The">The</span> <span word="Truth">Truth</span> <span word="about">about</span> <span word="Retirement">Retirement</span> <span word="Plans">Plans</span> <span word="and">and</span> <span word="IRAs">IRAs</span>.</p><p><span word="The">The</span> <span word="CEO">CEO</span> <span word="and">and</span> <span word="founder">founder</span> <span word="of">of</span> <span word="Edelman">Edelman</span> <span word="Financial">Financial</span> <span word="Services">Services</span>, <span word="a">a</span> <span word="firm">firm</span> <span word="with">with</span> <span word="more">more</span> <span word="than">than</span> $12 <span word="billion">billion</span> <span word="in">in</span> <span word="assets">assets</span> <span word="under">under</span> <span word="management">management</span>, <span word="Edelman">Edelman</span> <span word="has">has</span> <span word="written">written</span> <span word="eight">eight</span> <span word="personal">personal</span> <span word="finance">finance</span> <span word="books">books</span>, <span word="including">including</span> <span word="the">the</span> <span word="best">best</span>-<span word="selling">selling</span> <span word="The">The</span> <span word="Truth">Truth</span> <span word="About">About</span> <span word="Money">Money</span>. <span word="He">He</span>'<span word="s">s</span> <span word="also">also</span> <span word="a">a</span> <span word="national">national</span> <span word="radio">radio</span> <span word="and">and</span> <span word="TV">TV</span> <span word="host">host</span>.</p><p><span word="If">If</span> <span word="you">you</span>'<span word="re">re</span> <span word="not">not</span> <span word="tucking">tucking</span> <span word="money">money</span> <span word="away">away</span> <span word="for">for</span> <span word="the">the</span> <span word="future">future</span> <span word="now">now</span>, <span word="you">you</span> <span word="can">can</span> <span word="start">start</span> <span word="by">by</span> <span word="saving">saving</span> <span word="as">as</span> <span word="little">little</span> <span word="as">as</span> $10 <span word="a">a</span> <span word="paycheck">paycheck</span> <span word="or">or</span> <span word="putting">putting</span> <span word="away">away</span> <span word="half">half</span> <span word="your">your</span> <span word="next">next</span> <span word="raise">raise</span>, <span word="he">he</span> <span word="says">says</span>. "<span word="A">A</span> <span word="small">small</span> <span word="amount">amount</span> <span word="of">of</span> <span word="money">money</span> <span word="can">can</span> <span word="produce">produce</span> <span word="massive">massive</span> <span word="amounts">amounts</span> <span word="of">of</span> <span word="wealth">wealth</span> <span word="over">over</span> <span word="time">time</span>. <span word="The">The</span> <span word="key">key</span> <span word="is">is</span> <span word="getting">getting</span> <span word="started">started</span>."</p><p><span word="It">It</span> <span word="used">used</span> <span word="to">to</span> <span word="be">be</span> <span word="that">that</span> <span word="people">people</span> <span word="didn">didn</span>'<span word="t">t</span> <span word="worry">worry</span> <span word="about">about</span> <span word="saving">saving</span> <span word="for">for</span> <span word="their">their</span> <span word="later">later</span> <span word="years">years</span> <span word="because">because</span> <span word="many">many</span> <span word="had">had</span> <span word="pensions">pensions</span>, <span word="and">and</span> <span word="they">they</span> <span word="didn">didn</span>'<span word="t">t</span> <span word="live">live</span> <span word="as">as</span> <span word="long">long</span> <span word="as">as</span> <span word="people">people</span> <span word="do">do</span> <span word="now">now</span>, <span word="Edelman">Edelman</span> <span word="says">says</span>. "<span word="But">But</span> <span word="we">we</span> <span word="can">can</span> <span word="no">no</span> <span word="longer">longer</span> <span word="count">count</span> <span word="on">on</span> <span word="our">our</span> <span word="employers">employers</span>, <span word="partly">partly</span> <span word="because">because</span> <span word="they">they</span> <span word="aren">aren</span>'<span word="t">t</span> <span word="offering">offering</span> <span word="pensions">pensions</span>, <span word="and">and</span> <span word="we">we</span> <span word="don">don</span>'<span word="t">t</span> <span word="stay">stay</span> <span word="with">with</span> <span word="one">one</span> <span word="employer">employer</span>. <span word="Many">Many</span> <span word="people">people</span> <span word="change">change</span> <span word="jobs">jobs</span> <span word="every">every</span> <span word="few">few</span> <span word="years">years</span>."</p><p><span word="Most">Most</span> <span word="experts">experts</span> <span word="expect">expect</span> <span word="Social">Social</span> <span word="Security">Security</span> <span word="benefits">benefits</span> <span word="will">will</span> <span word="be">be</span> <span word="lower">lower</span> <span word="in">in</span> <span word="the">the</span> <span word="future">future</span>, <span word="he">he</span> <span word="says">says</span>. "<span word="You">You</span> <span word="can">can</span>'<span word="t">t</span> <span word="count">count</span> <span word="on">on</span> <span word="your">your</span> <span word="employer">employer</span> <span word="and">and</span> <span word="you">you</span> <span word="can">can</span>'<span word="t">t</span> <span word="count">count</span> <span word="on">on</span> <span word="the">the</span> <span word="government">government</span>, <span word="therefore">therefore</span> <span word="your">your</span> <span word="retirement">retirement</span> <span word="is">is</span> <span word="up">up</span> <span word="to">to</span> <span word="you">you</span>. <span word="That">That</span> <span word="statement">statement</span> <span word="scares">scares</span> <span word="people">people</span>, <span word="but">but</span> <span word="in">in</span> <span word="fact">fact</span> <span word="it">it</span> <span word="should">should</span> <span word="empower">empower</span> <span word="you">you</span>, <span word="because">because</span> <span word="it">it</span>'<span word="s">s</span> <span word="remarkably">remarkably</span> <span word="easy">easy</span> <span word="to">to</span> <span word="achieve">achieve</span> <span word="retirement">retirement</span> <span word="savings">savings</span> <span word="success">success</span>."</p>
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