Retirement probably isn’t the first on your mind, even if you’ve settled into your career thus far, but that doesn’t mean that saving should be an afterthought.  The earlier you can start saving, the more time there is to grow over time.  While most live paycheck to paycheck, that is not an excuse to jeopardize your future, it just means that you have to be a little more creative in reducing expenses so there is a little extra at the end of the month to put towards retirement, instead on, say, impulse purchases. Track Purchases If you were asked how much the current expenses for monthly bills, even food, gas, and spending money, would … [Read more...]