Now is the best time to start planning for your Golden Years. The earlier you start planning for retirement the more time you have to make it a reality. No matter what age you are, there are plenty of savings options and financial plans that meet your specific needs. Whether you’re 22 or 52 it’s in your best interests to start planning for tomorrow, today.

Re-evaluate your living expenses to determine how much to save.

Figure out what your retirement expenses and what your income will be so that you can start saving to retire at your desired age and still maintain the lifestyle you want. Estimate how much money you will need to save for retirement by looking at all of your living expenses, contingency reserve, and discretionary spending.

It’s a good idea to downsize to a home that makes financial sense. You might think that you need a real estate agent to get the best sale price. With Get Movin Realty selling your home yourself is easy, convenient, and affordable. The revolutionary real estate company helps sellers connect to potential buyers and get their desired asking price for a minimal commission. A realtor will help you determine your home’s value so that you can set the price of your home and attract home buyers.

From an open house to attract prospective buyers to passing a home inspection and working with a title company, Get Movin Realty is the best way to sell your own home to a qualified buyer.

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Start contributing to your retirement fund as soon as possible.

There are several retirement fund options you can contribute to that will prepare you for your Golden Years.

401(k): Most employers offer a 401(k), 403(b), or 457 retirement savings account. Employers typically match employee contributions to these retirement savings plans, so contribute enough to get the maximum employer match.

IRAs: There are two types of IRAs, Roth and traditional. Traditional IRAs allow for tax-free contributions but charge taxes on funds withdrawn after retirement. Roth IRAs tax when you contribute but allow for tax-free distributions in retirement.

Self-Employment Savings: A Simple IRA lets you contribute a maximum of $12,500 annually if you are 50 years old or under, and a maximum of $15,500 if you are over the age of 50. A SEP IRA allows you to contribute up to 25 percent of your earnings annually up to $55,000.

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Start living within your financial means now.

Start living within your financial means now. Have a clear dialogue with your partner about spending habits, set agreed-to spending limits, and support each other when it comes to long-term money management. This is the right time to seek the expertise of a financial planner to help you make sense of the future and find the best planning option for you.

Many couples put off traveling until they reach retirement. Scale back on discretionary expenses, learn to spend in moderation, and save a few extra dollars. Over the years extra pocket money can really add up and be put good use when you set off in your recreational vehicle.

As an RV owner, you know the value of having RV insurance to protect you from damages related to accidents and weather. If you plan to live the RV lifestyle in retirement, you’ll want to explore extended RV warranties from Today’s Best Company. Also known as a service plan or service contract, an RV warranty help with repair costs related to mechanical failure for motorhomes, travel trailers, 5th wheel trailer, and campers. A reputable company that offers RV warranties allows customers to use their coverage at any licensed repair facility in the United States and Canada.

New RV’s come with RV manufacturers warranties that cover mechanical breakdowns due to daily operation. Warranty coverage depends on the type of policy purchased. Extended warranties offer two main types of coverage, exclusionary RV and listed mechanical components, as well as roadside assistance. When shopping for warranty plans with Today’s Best Company, look for a third party warranty company that is accredited by the Better Business Bureau, backed by an insurance company, and has at least a B rating on extended warranties.

At the end of the day, it’s never too early to plan for your future and make the most of your Golden Years.

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