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What if you could retire comfortably — without worrying about running out of money?
Retirement may seem distant, but the secret to a stress-free future is starting today. The sooner you plan, the less you have to sacrifice, and the more you can enjoy life after work. Let’s break down the exact steps you need to build a rock-solid retirement plan — whether you’re 25, 35, or 50.
1. Set a Clear Retirement Goal
How much money will you need to retire comfortably?
Start by estimating your desired monthly income during retirement — then multiply it by 25.
This is based on the “4% rule,” which suggests you can safely withdraw 4% of your savings each year.
Pro tip: Don’t just think about survival — plan for the life you want, including travel, hobbies, and healthcare.
2. Know Your Retirement Accounts
Leverage retirement accounts designed to grow your money with tax advantages:
401(k) or Workplace Pensions:
Contribute enough to get your employer’s match — it’s free money!
IRA or Roth IRA:
Ideal for additional tax-free or tax-deferred growth.
Self-employed?
Look into SEP IRAs or Solo 401(k)s.
Action step: Automate monthly contributions so saving becomes effortless.
3. Diversify Your Investments
Retirement isn’t about stashing cash under your mattress — it’s about growing your wealth.
Build a diversified portfolio with:
Stocks for growth
Bonds for stability
Real estate for passive income
Index funds & ETFs for low-cost diversification
Golden rule: The younger you are, the more you can invest in stocks.
As you age, shift towards safer assets.
4. Calculate Your Retirement Gap
Compare your current savings to your goal. Use online retirement calculators to project how much you need to save each month to close the gap.
Quick hack: If you're behind, increase your contributions by 1% every 6 months. Small adjustments add up.
5. Create Multiple Income Streams
Don’t rely on a single source of income in retirement.
Secure your future with passive income options like:
>> Dividends from stocks
>> Real estate rentals
>> Side businesses
>> Royalties from digital products
Why? More income streams = more security.
6. Plan for Healthcare Costs
Medical expenses can derail your retirement if you’re unprepared.
Consider:
>> Health Savings Accounts (HSAs) for tax-advantaged savings.
>> Long-term care insurance if you're worried about assisted living costs.
Pro move: Budget at least 15% of your retirement fund for healthcare.
7. Review and Adjust Annually
Retirement planning isn’t a “set it and forget it” strategy.
Every year, review your progress, adjust contributions, and rebalance your investments.
Key question: Are you on track, ahead, or behind? Adjust accordingly.
Start Today — Your Future Self Will Thank You
Retirement may seem far off, but every dollar saved today is a dollar that works for you tomorrow.
Pick one action from this guide and start now.