62 • MARTIN H. RUBY
I know, it hurts. But here’s the thing: you can take out loans to buy a car. You can take out loans to send your children to college. But no one — no one — is going to lend you money to live on in retirement. That means you have to save today. If you’d like something to help you determine how much you’ll need at retirement, I’ve included a few charts in the addendum of this book. Feel free to take a moment and fill them out. This is especially helpful for savers in their twenties, thirties, and forties who still have a lot of saving years ahead of them. Once you’ve figured out how much you need to save (or, if you're closer to retirement, once you’ve added up how much you've already saved), it’s time to ask: How are you going to save it? To answer that, we return to your structural risk.
Made with FlippingBook - Online Brochure Maker