Falling behind on retirement savings can feel overwhelming, but it’s never too late to take action. Whether you’ve been hit by unexpected expenses, started saving late, or didn’t prioritize retirement earlier, there are steps you can take to get back on track. Here’s a guide to catching up on your retirement savings and securing your financial future. ASSESS YOUR CURRENT SITUATION Start by figuring out where you stand. Take a detailed look at your existing retirement accounts, other savings, and expected sources of income, like Social Security or a pension. Determine how much more you’ll need to meet your retirement goals. This may seem daunting, but knowing your starting point is the first step to building a solid plan. MAXIMIZE YOUR CONTRIBUTIONS If you’re over 50, you can take advantage of catch-up contributions. The IRS allows you to contribute more to 401(k)s and IRAs than younger individuals. For example, in 2025, you can contribute an extra $7,500 to your 401(k), bringing the total to $31,000. For IRAs, the catch-up limit is $1,000, allowing you to contribute up to $8,000 if you’re age 50 or older. Smart Moves to Boost Your Retirement Nest Egg Falling Short?
CUT EXPENSES AND REDIRECT SAVINGS Take a close look at your budget and identify areas where you can possibly cut back. Redirect those savings into your retirement accounts. Even small sacrifices, such as eating out less or canceling unused subscriptions, can add up over time. DELAY RETIREMENT (IF POSSIBLE) If you’re able to work longer, even a few extra years, it can significantly boost your retirement savings. Delaying retirement allows more time for your savings to grow and increases your Social Security benefits! INVEST STRATEGICALLY If you’ve been investing conservatively, consider rebalancing your portfolio to include more growth-oriented options, like stocks. While risk is a factor, a well-diversified portfolio can yield better returns over time. Falling behind on retirement savings doesn’t mean you’re out of options. With a proactive mindset and a clear strategy, you can still work toward a secure and enjoyable retirement
SUDOKU
SKILLET CHICKEN IN CREAMY SUN-DRIED TOMATO SAUCE
Inspired by LeCremeDeLaCrumb.com
INGREDIENTS
2 tbsp butter
2/3 cup shredded Parmesan cheese, plus more for serving
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5 boneless, skinless chicken thighs
3 garlic cloves, minced 2 tbsp herbes de Provence
2 tbsp lemon juice 1/4 cup pine nuts
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3/4 cup canned sun-dried tomatoes, drained and julienned
1 cup spinach
Fresh thyme, for topping Salt and pepper to taste
1 cup chicken broth 1/2 cup heavy cream
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Cooked rice or linguine, for serving
DIRECTIONS
1. Melt butter in a large skillet over medium heat. Add chicken and cook for 7–8 minutes until browned and cooked through. Remove and set aside. 2. In the same pan, add garlic, herbes de Provence, tomatoes, chicken broth, cream, Parmesan cheese, lemon juice, pine nuts, and spinach and stir to combine. Bring to a boil, and stir periodically until thickened and spinach is wilted, about 3 minutes. 3. Return chicken to the pan and top with salt, pepper, more Parmesan cheese, and thyme, and serve over rice or linguine.
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