Don't Touch it!
Retirement investments and savings are for just that- RETIREMENT! Not the "I'm saving for a house fund" or "pay down debt fund". Now I might be stating the obvious here, Do NOT withdraw or take loans out against your retirement. In my opinion this is one of the stupidest (with a capital S) and riskiest things you can do to stunt the growth of your retirement savings and could cost you thousands, if not tens or hundreds of thousands of dollars. Just because the government and your employer may allow you to 'borrow' your money doesn't make it wise to do, especially in the long run.
Homework:
If you have done what I've challenged you to do, then you should have a quick month-specific budget in place. That's a great step in the right direction. Now, if you are having problems getting that budget to balance and you are currently contributing to your retirement funds it would be far better to temporarily stop those contributions. Does it really make sense to be contributing to your 401k if you can't pay your light bill or mortgage?
"President Roosevelt, the author of Social Security, was the first to suggest that, in order to provide for the country's retirement needs, Social Security would need to be supplemented by personal savings accounts." John Doolittle
"Make all you can, save all you can, give all you can." John Wesley
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