as well, such as your benefits department, financial
You now realize that saving for your own retirement
planners, and other financial experts who can help
is critical and that it is primarily your responsibility.
you not only with your financial questions, but, more
You may get help along the way, but most of the work
importantly, can help motivate you into action.
is going to rest on your shoulders. No one will work
Finally, there is only one real key to “buying”
harder or care more about your retirement and your
that retirement you’ve dreamed of. It doesn’t matter
other financial goals than you.
whether you are still young or whether retirement
Look back at your goals outlined in Worksheet is just around the corner. It doesn’t matter whether 1. Perhaps they seem more realistic now. Even if you
you’re in your first job, trying to save for a home, or
can’t do as much as you would like to right away, you
putting a child through college.
can do something.
All that matters is that you start saving...now!
Think of this booklet as a starting point.
Continue to educate yourself about managing your
U.S. Department of Labor Employee Benefits Security Administration 27
SAVINGS FITNESS A GUIDE TO YOUR MONEY AND YOUR FINANCIAL FUTURE