Current studies estimate that in order to retire effectively hopeful retirees will need to have socked away more than $500,000 to continue living at the same level of comfort that they did while they were working. As such, only 25 percent of Americans are currently saving an adequate amount each month in order to continue supporting themselves without outside assistance.

If you feel as though you are ready to start actively planning for the future in a big way, then the first thing you are going to want to do is to determine the difference in your bills and your income and see where you can start socking extra income away. If you are already planning for retirement, then the odds are good that you can be more productive with your money than simply putting it into a savings account. Investing is not the same as saving, however, and this is something you will also want to keep in mind. Saving is a much more passive act than investing which will naturally require a good bit more effort, especially if you are planning on doing some remodeling on the homes you find successfully yourself.

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