什么是储备金,我该如何建造?

您’我可能听说过人们使用该术语 窝蛋 当他们谈论存钱时。它有一种舒适的感觉,没有’是吗?但这是什么 其实 意思?退休金到底是什么? 

什么是巢蛋?

窝蛋 refers to an amount of money 那 someone saves for the future, usually for retirement. The idea is 那 by setting aside money, little by little, it will multiply over time through compound interest.

这个短语本身来自一个古老的农业技巧。现在,即使我’我是肯塔基州的男孩,我不知道’对鸡太了解了,所以’都和我在一起。这个想法是农民将鸡蛋留在母鸡中’巢,这会鼓励母鸡产下更多的鸡蛋。通过搁置一些鸡蛋(而不是全部用完),农民’藏起来会增加。同样,如果您留出一些钱,钱会随着时间增长。

好吧,关于鸡和鸡蛋的话题已经足够多了。它’s making me hungry.

让’s talk about five things 您 can do to build a 窝蛋 for 您r 未来!

如何筑巢蛋

那里’这是一种积累财富的行之有效的方法。以正确的顺序执行这些步骤,并长期专注于目标。您’ll see 您r 储蓄 multiply in big ways—trust me!

1.建立预算

A budget is like the nest itself 那 creates structure for 您r 储蓄. Without a budget, 您r money will fly away quicker than a feather on a windy day. But 您r budget will look different depending on 您r current money goals.

  • If 您’re in debt, 您 need to 制定预算 那 will get 您 out of the red as soon as possible.
  • Once 您’re debt-free (except for the house), 您r budget needs to focus on building wealth.
  • When 您 stop working, 您’ll still need a budget. In fact, this is the phase of life when 您’ll be living off the 储蓄 in 您r 窝蛋. A budget will help 您 stay on track and make sure 您’不要每个月提取太多钱。

2.设立退休储蓄账户

Once 您’摆脱债务,开始投资退休帐户。您’有很多事情要做 了解投资, but I recommend 那 您 start with one (or more) of these options:

  • 401(k): 401(k)是您的雇主提供的退休计划,可让您从薪水中支付固定的金额或百分比。您放入401(k)的钱在支付税款之前已从薪水中扣除,从而降低了应税收入—that’减税,宝贝!我建议将您贡献的资金投资于共同基金,因为它们’是长期积累退休储蓄的最佳方法。
  • 罗斯401(k): 这是另一个由雇主赞助的退休帐户,但是您贡献的是税后的美元,而不是贡献税前的美元。这意味着您的储蓄免税。当您从59岁开始提款时½, 您 won’t pay taxes on it!
  • 403(b):403(b)与401(k)相同,但是’适用于免税组织,例如公立学校,医院或宗教团体。
  • 457(b):此计划类似于401(k),但它’适用于州和地方政府以及一些非营利组织。
  • 罗斯IRA: 罗斯IRA(个人退休安排)是您自己开设的退休帐户。与Roth 401(k)一样,您可以用税后美元向Roth IRA捐款。如果您选择这是一个不错的选择’重新自雇,或者您的公司没有’提供退休计划。但是,即使您确实通过雇主制定了计划,也可以—and should—也有罗斯IRA。
  • 传统IRA: A traditional IRA is another account 那 您 can open apart from an employer. It 好玩ctions like a 401(k)—您将税前美元投入共同基金。 

If 您 have access to a retirement account through work, see if 您r company offers a match (a fancy phrase for 免费). Many employers will match the amount 您 contribute to 您r 401(k) up to a certain percentage of 您r income. Now, 那’s a good deal!

我只是一次向您提供了很多信息,所以不要’t worry if it doesn’还没有道理。开始投资之前最好要做的就是 财务顾问,因此您可以充分了解这些投资帐户的工作方式以及最佳投资方式。即使您所做的只是投资公司的退休计划,经验丰富的专业人士也会确保您’重新利用它。

3. invest 15% of 您r income

Once 您’re debt-free, 您 should invest 15% percent of 您r income to build 您r retirement 窝蛋. If 您’re contributing to 您r workplace account, take advantage of the employer match, but don’t count it toward 您r 15%. 您 should also 充分利用401(k)和罗斯IRA to meet 您r 15% match.

现在,让’s have some 好玩 并进行示例计算(嘘—you know I’m a math nerd).

  • 您’re 35 年份 old, and 您 have nothing saved for retirement.
  • 您 make $55,000 a year.
  • 您 start contributing 15% of 您r annual salary toward retirement. (That’每年$ 8,250,或每月$ 687.50)。
  • 您 invest until age 65 at an annual return rate of 10%.
  • When 您 reach 您r retirement goal, 您’会有一个 $ 1,554,085!

A bar graph showing the impact to 您r 窝蛋 over 30 年份 with compound interest

This example shows the power of compound interest, baby! If 您 start investing early and often, it will pay off big time down the road.

很多人问我 为什么他们需要投资15%。为什么不是10%?还是12%?简短的答案是:随着生活成本的上涨和通货膨胀的现实,您最好的选择是节省15%。唐’当您的银行帐户中不再存入工资时,请依靠Social(in)Security来照顾您。

A graph 那 says "Don't rely on Social (In)Security to take care of 您 in retirement."

对于工作场所退休帐户,通常会自动从薪水中扣除您的供款。当您实现储蓄自动化时,它每天都可以帮助您丰富财富。变成第二天性!但是请听我的:唐’不要继续使用自动驾驶仪。您需要保持投入并与您的投资保持联系,并定期查看其投资方式’re performing.  

4.尽早还清房子

After 您’ve developed 您r investing habit, get serious about paying off 您r mortgage early. Yes, 您’ll have to make sacrifices. But ask 您rself this question: How much faster could 您 build 您r 窝蛋 if 您r house payment was going toward retirement instead? That’s a 改变游戏规则!

这里's another way to look at it: 您r house is an asset 那 contributes to 您r net worth. 您r net worth is the amount 那 您 拥有 minus the amount 那 您 . Owning 您r house completely before 您 retire will significantly increase 您r net worth. 看看我的净值计算器 if 您’re curious about 您r number.

现在,这里’在这里我需要说明一些事实:如果您’大概在五十多岁或六十多岁’如果没有足够的储蓄来退休,您可能需要缩小房屋的尺寸。卖掉房子,还清抵押贷款。然后用现金支付一个更小,更便宜的地方,并用其余的钱来巩固这一储备金。您的房屋可能有很多记忆,但是这些记忆赢得了’付电费。

5.每年添加到巢蛋

Contributing 15% consistently to 您r 窝蛋 over the long-term—and I’m talking 20 to 30 年份—will allow 您 to retire with a significant amount of money saved. I can’强调足够重要 做出一致的贡献.

As 您 grow in 您r career, 您r salary will grow too. It’s tempting to upgrade 您r car or house or wardrobe along the way. But what if 您 increased 您r level of 储蓄 instead of 您r level of 开支?

Remember the chart we looked at just a minute ago? That scenario was based on a $55,000 salary 那 never changed over 30 年份. Chances are, if 您 show up to work and get 您r job done, 您’会加薪。你能想象你还有多少’d如果您有储蓄 increased 您r contribution amount every year?

时间和复利是所有金融领域最强大的两个力量。 Get them working for 您 instead of against 您.

A graphic 那 says "时间和复利是所有金融领域最强大的两个力量。"

从今天开始建造您的巢蛋

The bottom line is this: If 您 want a secure 窝蛋, 您 need to practice self-control and think long term. It might be tough right now, but one day 您’ll be grateful 您 made those sacrifices.

机会是,你’不是唯一将从您的明智决定中受益的人!退休储蓄可以让您与家人和朋友,或者社区中需要帮助的人,或者与您想要支持的组织保持宽容。 

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