Despite planning, nearly 50% of Americans have less than $100,000 saved for their retirement, according to the LearnBonds report. Retirement savings have become a huge problem among all age groups in the US. Nearly two-thirds of 40-year olds in America have less than $100,000 saved for their golden years, revealed the TD Ameritrade 2020 survey. Another 53% of those between 50 and 59 have the same level of retirement savings, while one in five of those in their 70s has less than $50,000 saved.
Retirement savings have become a huge problem among all age groups in the US. Nearly two-thirds of 40-year olds in America have less than $100,000 saved for their golden years, revealed the TD Ameritrade 2020 survey. Another 53% of those between 50 and 59 have the same level of retirement savings, while one in five of those in their 70s has less than $50,000 saved.
401里存得少,其它的地方存得多更好。因为401以后还要交所得税呢。
那估计有遗产或者其他各种资产什么的吧
可惜了。
存满+match 5年得20万。
我的投资好失败,去年一年大部分股票都趴在money market上,别人赚翻了我都错失良机了。
回国养老?
握爪,我上一个工作的401k没有rollover,又懒得管,就一半money market一半bond扔在那儿,现在比你更惨
暴殄天物啊
好可惜,完全没意识到the power of compound interests
40多。主要是职业生涯看不到提升的希望。没信心走下去了
存款。再做点小买卖
那太亏了,每年放满的话80%-90%大盘,工作三年也就10万+了。
我也和lz一样心态,觉得工作好无聊不想干了,精神难以集中,觉得上聊天网成瘾了,怎麽办啊?
年纪大了,职位提不上去,看着后面来的年轻人,生气勃勃,后浪推前浪,觉得自己真是尴尬。可是辞了,又找不到能干好的事情。不知道出路在哪?
就是心态累了,可是完全躺平又不甘心。而且现在辞职了也无处可去,还是得窝在家里。
当老油条啊……公司里基本都是routine的活儿,相当于呆够了时间,交换paycheck+医保+401k
很多行业年龄是很大的劣势,没什麽好尴尬的,这是事实。真要是有存款,早点退休干点副业也挺好的。
那不是正好么,不求上进的话可以躺平混日子。会不安,说明还是有上进心,不甘躺平😝
多跳槽,跳着跳着就跳出信心来了。
本版的主力用户35-45,中产的401k和ira都是放满,双职工等到退休都是几个米十几个米,估计退休后继续中产偏上的收入。
目前来看,美帝2050年前老大的地位应该无忧。
有401K和IRA的也是靠自己。都是自己存的钱。
你是说本版主力老的时候,美国就叭唧不行了,攒的美刀还值几个不?
家庭主妇退休靠什么呢?
越到后面就增值得越快,复利的威力,定投的耐心,满满的回报👍