4. Maximize Company Matching

If your company offers a retirement plan matching program, meaning that they will match up to a certain percentage of the money you invest, be sure to take advantage of it right from the start. This is essentially โ€œfreeโ€ money going into your retirement account, and you should invest as much as you can up to or beyond the match limit in order to maximize your savings. My husbandโ€™s company, for example, will contribute an extra 4 percent when he invests 8 percent of his own earnings, for a total investment level of 12 percent. If he only invested 6 percent of his earnings, he would receive just a 3 percent match. If he invested more than 8 percent of his earnings, he would still receive a maximum 4 percent match while increasing his overall investment level.

Establish Healthy Habits
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