Retirement Savings and Investing for Beginners: The Easy Way to Save and Invest for Early Retirement and Financial Freedom, No Matter Your Age

By Instafo and Michael Wells

The Beginner’s Guide to “Retirement Savings and Investing”

Welcome Newbie - who wants to save and invest for early retirement and financial freedom, no matter your age...

Too young to think about retirement you say? Or too old now to save for retiring? Think again! It’s never too early or too late to begin your path towards future financial freedom through retirement. In fact, planning, saving, and investing for your retirement will be the most crucial decision you’ll make and action you’ll take in your life.

Retirement should be the golden years that you have long prepared and waited for, where you can finally reap the fruits of your labor. It is the time where life should be worry-free and no longer revolve around work due to the limited amount of time you have left on this planet as well as the physical and mental constraint you naturally inherit as you get older. Rather, it should be the stage where you can look back and reflect on all your memorable experiences and enjoy all the best that life has to offer with families, friends, and all those who are important to you. However, you won’t be able to do so if you don’t have some means of financing your final years. You might as well be working yourself to death literally.

But what about social security? The sad truth - social security may not be enough. The scarier part is that there is no guarantee that social security will still exist in the unforeseen and uncertain future as population continues to rapidly grow, in addition to the astronomical deficit that the government is already in with its ever-increasing spending. And let’s not even get into pension because it is becoming more extinct each year.

First and foremost, you must be the one to steer and secure your own financial future. How?

“Retirement Savings and Investing for Beginners” will guide you through:

- All the different types of investment options and the best ones suited for you

- Hidden methods of earning and saving more money during retirement

- What are the ways to cut back on your spending and living expenses

- Calculating how much money you’ll need to retire comfortably

- The fastest routes you can take to reach your financial freedom

...on top of everything else that beginners need to know.

So still think you’re too young for early retirement? You’ll discover how starting young with the luxury of “time” on your side can automatically make you a millionaire through the power of compounding. More importantly, don’t ever feel that you’re too late because that is detrimental only preventing you from taking action. Even if you didn’t start when you were young, you will at least have the extra advantages of experience, knowledge, and income to invest more and avoid costly mistakes that your younger self would have naively made.

The best time to start is now! Don’t waste another second as time really is money when it comes to savings, investing, and retiring rich.

• Language: English
• Publisher: Instafo
• Release date: May 7, 2019
• ISBN: 9780463690048

Instafo

"Indulge Instant Info."Information is power, and here at Instafo, our mission is to reach a particular group of individuals who are committed to improving their lives, those who have always craved a platform that focuses on truly improving its community.What differentiates Instafo, is rather simple: with a wealth of all-encompassing knowledge, Instafo is the go-to instant information media to providing only the most helpful and useful information that matters - to instruct, inform, inspire, and innovate in order to enhance one’s abilities, life quality, and/or happiness.Elevate your lifestyle. Refine your mentality. Foster your individuality. And exceed even your own expectations through Instafo.For more information, visit https://instafo.com - and join the community.

Book preview

Baby Beginners Presents

Retirement Savings and Investing for Beginners

The Easy Way to Save and Invest for Early Retirement and Financial Freedom, No Matter Your Age

Michael Wells & Instafo

Copyright 2018

Smashwords Edition

It is impermissible to reproduce any part of this book without prior consent. All violations will be prosecuted to the fullest extent of the law. While attempts have been made to verify the information contained within this publication, neither the author nor the publisher assumes any responsibility for errors, omissions, interpretation or usage of the subject matter herein. This publication contains the opinions and ideas of its author and is intended for informational purpose only. The author and publisher shall in no event be held liable for any loss or other damages incurred from the usage of this publication.

Table of Contents

Chapter 1: The Importance of Retirement

1.1 Your Real Biggest Life Savings

1.2 Reasons to Save for Retirement

1.3 Correlation between Financial Planning and Retirement Satisfaction

1.4 The Insufficient Social Security Component

1.5 The Unexpected Extra Expenses

1.6 To-Do: Plan for the Future Now

Chapter 2: The Beginning Process

2.1 Serious Signs to Start

2.2 Benefits of the Early Birds

2.3 Costly Financial Behaviors During Retirement

2.4 To-Do: Factors to Consider

Chapter 3: Retirement Savings and Investment Options

3.1 Plant Your Money Tree

3.2 401(k) Plan

3.3 To-Do: Put Earnings into 401(k) Plan

3.4 Individual Retirement Account (IRA)

3.5 To-Do: Invest in IRA

3.6 Brokerage Account

3.7 To-Do: Open a Brokerage Account

3.8 Micro Investing

3.9 To-Do: Save Up through Micro Investing

3.10 Real Estate Investment

3.11 To-Do: Get into Real Estate

Chapter 4: Others Methods for Financial Gains

4.1 Spending Less and Cutting Back On Expenses

4.2 To-Do: Track Your Expenditures

4.3 Working on the Side

4.4 To-Do: Take Up Freelancing

4.5 Becoming Financially Smart

4.6 To-Do: Come Up with a Grand Budget

Chapter 5: Life During Retirement

5.1 Staying Healthy Active

5.2 Enjoying Your Savings

Chapter 6: The Wisest Decision You’ll Make

6.1 Final Evaluation

6.2 Final Thoughts

Chapter 1:

The Importance of Retirement

Your Real Biggest Life Savings

Do you ever think about what it will be like to walk out the door of your job for the last time and ease into retirement life? Just imagine waking up every day leisurely without an alarm, going wherever you want whenever you want, and not having to answer to higher-up. It’s the life you’ve always dreamed of.

But no matter how young you are, retirement will be here before you know it. And unless you start preparing now, you’ll be working well into your sunset years in order to afford the cost of living.

We all hope and pray to live a long life, but the irony is that many people don’t properly plan for