{"id":11938,"date":"2024-11-18T10:40:26","date_gmt":"2024-11-18T16:40:26","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=11938"},"modified":"2024-11-18T16:21:42","modified_gmt":"2024-11-18T22:21:42","slug":"saving-for-retirement","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/saving-for-retirement\/","title":{"rendered":"You Probably Aren\u2019t Saving Enough for Retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11938\" class=\"elementor elementor-11938\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6b14805 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6b14805\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2aeb653a ae-bg-gallery-type-default\" data-id=\"2aeb653a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d0c5416 elementor-widget elementor-widget-heading\" data-id=\"6d0c5416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The SECURE Act can help you get back on track.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-773c2f63 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"773c2f63\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-618cc77d ae-bg-gallery-type-default\" data-id=\"618cc77d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e351900 elementor-widget elementor-widget-text-editor\" data-id=\"6e351900\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key Takeaways<\/strong><\/p><ul><li>The Rule of 4% helps you estimate the amount of money you can withdraw each year in retirement without depleting your savings.<\/li><li>The SECURE Act gives taxpayers additional benefits for saving in retirement plans.<\/li><li>With compounding interest, you earn interest on both the money you\u2019ve saved and the interest you earn. The sooner money is put to work, the sooner it compounds.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-257f43af elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"257f43af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23fb2d0a ae-bg-gallery-type-default\" data-id=\"23fb2d0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d44c229 elementor-widget elementor-widget-text-editor\" data-id=\"3d44c229\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Sometimes, saving for the future is an afterthought. There is no shortage of things to spend our money on today: living expenses, food, clothing, family, entertainment, vacations, and even philanthropy. Of course, saving for retirement is a priority we all claim, but so often, it tends to be prioritized <\/span><i><span data-contrast=\"auto\">after <\/span><\/i><span data-contrast=\"auto\">the spending is done.<\/span><\/p><p><a href=\"https:\/\/www.cainwatters.com\/justin-fry\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\"><span style=\"text-decoration: underline; color: #33cccc;\">CPA Justin Fry<\/span><\/span><\/a><span data-contrast=\"auto\"> says a strategy like that won\u2019t prepare most people for a comfortable retirement.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-59334dcd elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"59334dcd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b7d9839 blue-box ae-bg-gallery-type-default\" data-id=\"3b7d9839\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-365ab878 elementor-widget elementor-widget-text-editor\" data-id=\"365ab878\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">\u201cWhen it comes to saving, many people save what is left <\/span><\/span><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">after<\/span><\/span><em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"> <span class=\"NormalTextRun SCXW72522383 BCX8\">s<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">pending<\/span><\/span><\/em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">,\u201d Justin says. <\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">\u201cR<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">ather than what we should <\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">be doing<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">, which is s<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">pending what is left <\/span><\/span><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">after<\/span> <\/span><em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">saving<\/span><\/span><\/em><span class=\"TextRun SCXW72522383 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW72522383 BCX8\">.<\/span><span class=\"NormalTextRun SCXW72522383 BCX8\">\u201d<\/span><\/span><span class=\"EOP SCXW72522383 BCX8\" data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-5da35752 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"5da35752\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43d0fabb ae-bg-gallery-type-default\" data-id=\"43d0fabb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9295f elementor-widget elementor-widget-text-editor\" data-id=\"9295f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Almost 50% of American families have $0 saved for retirement. Four percent saved $500,000-$999,999, and only 3% have over $1,000,000 saved. If you are reading this blog, you are likely among the top 10% of American families with retirement savings.<\/p><p>A Northwestern Mutual survey found that the ideal retirement savings target is $1.46M.<\/p><p>Is that enough? Let\u2019s look at the Rule of 4% to get a general idea.\u00a0<br \/><br \/><\/p><h5><strong>SAFE WITHDRAWAL RATE\u00a0<\/strong><\/h5><p>The Rule of 4% is a safe withdrawal rate that helps you estimate the amount of money you can withdraw each year without running out of money, assuming you have your cash in moderate investments and a 30-year retirement window.<\/p><p>Let\u2019s say you have $1.46M saved. That would be $58K a year and $4,866 a month. Is that enough to sustain the lifestyle you envision for your retirement?<\/p><p>You may have other factors in play, like inheritance, different types of retirement assets, or ways to get <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/investments-that-pay-dividends\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">passive investments<\/span><\/a>, or maybe you don&#8217;t. If not, there is Social Security to help bridge the gap, right?<\/p><p>During the Great Depression, President Franklin Roosevelt created the Social Security Administration (SSA) to supplement retirement. It currently provides benefits to over 50 million people and is financed by payroll taxes from over 150 million workers and their employers. On their website, the SSA predicts that in 2035, taxes will only be enough to pay for 76% of scheduled benefits afterward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-3b70d8f0 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"3b70d8f0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f0b5a27 ae-bg-gallery-type-default\" data-id=\"3f0b5a27\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-614168e7 elementor-widget elementor-widget-text-editor\" data-id=\"614168e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cThe SSA is making it very clear that Americans need to save for retirement on their own,\u201d says Justin. \u201cThat is where the Setting Every Community Up for Retirement Enhancement (SECURE) Act comes in, as a plan to give taxpayers additional benefits for saving in retirement plans.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-3dc972f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"3dc972f9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3049b810 ae-bg-gallery-type-default\" data-id=\"3049b810\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b55cc5c elementor-widget elementor-widget-text-editor\" data-id=\"2b55cc5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>INCENTIVE TO SAVE<\/strong><\/h5><p>The SECURE Act started in 2019, offering benefits like removing age limitations on IRA contributions, more flexibility for 529 accounts, and other tax credits for setting up retirement plans. Today, we have the SECURE 2.0 Act which expands on its predecessor with 92 provisions to strengthen incentives for saving for the future. These benefits are in place for all Americans, not just those nearing retirement.<\/p><p><span data-contrast=\"auto\"><span class=\"TextRun SCXW74333804 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW74333804 BCX8\">Another incentive to save early? Justin says the biggest reason is compounding interest. <\/span><span class=\"NormalTextRun SCXW74333804 BCX8\">Compounding interest is when you earn interest on both the money <\/span><span class=\"NormalTextRun SCXW74333804 BCX8\">you\u2019ve<\/span><span class=\"NormalTextRun SCXW74333804 BCX8\"> saved and the interest you earn. <\/span><span class=\"NormalTextRun SCXW74333804 BCX8\">Time is your greatest ally; the sooner money is put <\/span><span class=\"NormalTextRun SCXW74333804 BCX8\">to work, <\/span><\/span><a class=\"Hyperlink HyperlinkGateOff SCXW74333804 BCX8\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/earn-three-dollars-to-every-one-dollar-you-invest-through-strategic-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"FieldRange SCXW74333804 BCX8\"><span class=\"TextRun Underlined UnderlinedGateOff SCXW74333804 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW74333804 BCX8\" data-ccp-charstyle=\"Hyperlink\"><span style=\"text-decoration: underline; color: #33cccc;\">the sooner it compounds<\/span><\/span><\/span><\/span><\/a><span class=\"TextRun SCXW74333804 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW74333804 BCX8\">.<\/span><\/span><\/span><\/p><p><span data-contrast=\"auto\">Justin challenges each one of you as you plan for the year ahead:<\/span><\/p><ol><li style=\"list-style-type: none;\"><ol><li><span data-contrast=\"auto\">Develop or adjust your savings strategy and ensure you comply with and take advantage of SECURE Act provisions.\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Map out your distribution strategy, both with and without inheritances and Social Security.<\/span><\/li><li><span data-contrast=\"auto\">Consult an advisor to assist you.<\/span><\/li><\/ol><\/li><\/ol><p>Put together your savings strategy first, then you can spend the rest. Don\u2019t do it the other way around.<\/p><p>Need help to boost your progress? Our advisors would be happy to help you map out your financial future.\u00a0<a href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\"><span style=\"text-decoration: underline; color: #33cccc;\">Reach out for a complimentary consultation<\/span><\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The SECURE Act can help you get back on track. Key Takeaways The Rule of 4% helps you estimate the amount of money you can withdraw each year in retirement without depleting your savings. The SECURE Act gives taxpayers additional benefits for saving in retirement plans. With compounding interest, you earn interest on both the [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":11944,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16,41,18],"tags":[],"ppma_author":[48],"class_list":["post-11938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>You Probably Aren\u2019t Saving Enough for Retirement<\/title>\n<meta name=\"description\" content=\"No matter your age, understanding how much you will need to retire comfortably is key. 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