2. Frank Flaiano flaian59@students.rowan.edu

3.  Determining how much money you need to retire will require careful scrutiny of your spending habits as well as a bit of number crunching. The most important step you can take to determine how much money you will need to retire is taking the time to come up with a realistic estimate of how much you will spend each year in retirement.  Once you have an estimate of your retirement expenses, you can use online retirement income calculators to help you with rest. Whether you use an online calculator or you crunch the numbers by hand, here are the steps you will need to go through to determine how much money you need to retire Click here to view a retirement calculator

4.  Lets say that when I am 22 years old, my career as an accountant major gives me a job opportunity with a CPA firm with a starting salary of $43,500. I plan on retiring at 62, and I plan on living until at least 88 years old. What is your life expectancy?

5.  For example…  Average Inflation Rate: 3%  Age to start Career: 22  Years living after Retirement: 26  Savings Rate: 10.28%  Amount Saved Annually: $4,471 Check out where you need to go with your retirement with interesting facts from Vandard’s retirement page

8.  1. Budget -Set a budget for you and your family  2. Get a Full Match -Contribute at least the maximum that your employer is willing to match  3. Max Out Your 401k -will help you reduce income taxes and save more money For more tips to retiring early, Click HereClick Here

9.  Retirement is no laughing matter, that is until you retire. Everyone works their whole life to make a living, support their family, and achieve that ultimate goal of retiring. You don’t want to be the one out of your group of friends that can’t go golfing, or go the shore, or go on a beautiful vacation around the world because you’re working and they’re retired. Start saving early and reach retirement as soon as possible!! Click here for why to save early!!

10.  http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html  https://personal.vanguard.com/us/freshness/insights/hub/over view.jsf https://personal.vanguard.com/us/freshness/insights/hub/over view.jsf  http://www.bankrate.com/finance/retirement/3-tips-for-early- retirement-investing.aspx http://www.bankrate.com/finance/retirement/3-tips-for-early- retirement-investing.aspx  http://moneyover55.about.com/od/preretirementplanning/a/ho wmuchtoretire.htm http://moneyover55.about.com/od/preretirementplanning/a/ho wmuchtoretire.htm  http://cgi.money.cnn.com/tools/retirementplanner/retirementpl anner.jsp http://cgi.money.cnn.com/tools/retirementplanner/retirementpl anner.jsp  http://www.ehow.com/list_6710501_retirement-tips.html http://www.ehow.com/list_6710501_retirement-tips.html  http://christianpf.com/reasons-why-people-dont-save-for- retirement/ http://christianpf.com/reasons-why-people-dont-save-for- retirement/  http://money.usnews.com/money/blogs/On- Retirement/2012/02/02/start-saving-for-retirement-early http://money.usnews.com/money/blogs/On- Retirement/2012/02/02/start-saving-for-retirement-early