2019年10月9日 • 6分钟
第一步是确定你的退休需求. Answering the following questions can help you get started:
你希望退休后过什么样的生活? 例如, 你想广泛旅行吗, or will you be happy to stay in one place and live more simply?
Do you or your spouse expect to work part-time in retirement?
How much do you expect to receive in Social Security benefits? (One way to get an estimate of your future Social Security benefits is to use the benefit calculators available on the Social Security Administration’s website, ssa.政府. You can also sign up for a Social Security account so that you can view your online Social Security Statement. Your statement contains a detailed record of your earnings, 以及对退休的估计, 幸存者的, 残疾津贴).
Does your company offer an employer-sponsored retirement plan or a pension plan? 你参加吗?? 如果有，你的余额是多少? Can you estimate what your balance will be when you retire?
在你考虑了你的退休需求之后, ask the following questions about your child's college education. Many on-line calculators are also available to help you predict your retirement income needs 和你的 child's college funding needs.
你的孩子有什么特殊的学业吗, 运动, 或者是能获得奖学金的艺术技能?
在你知道自己的财务需求之后, the next step is to determine what you can afford to 每个月存起来. 要做到这一点，你需要准备一个详细的家庭 预算 它列出了你所有的收入和支出. 记住, 虽然, that the amount you can afford may change from time to time as your circumstances change. Once you've come up with a dollar amount, you'll need to decide how to divvy up your funds.
If you wait until your child is in college to start saving, you'll miss out on years of potential tax-deferred growth and compounding of your money. Your child can always attend college by taking out loans or scholarships, 但根本没有退休贷款这回事!”
虽然大学当然是一个重要的目标, you should probably focus on your retirement if you have limited funds. With generous corporate pensions mostly a thing of the past, 退休的负担主要落在你身上. But if you wait until your child is in college to start saving, you’ll miss out on years of potential tax-deferred growth and compounding of your money. 还记得, your child can always attend college by taking out loans (or maybe even with scholarships), 但根本没有退休贷款这回事!
Ideally, you'll want to try to pursue both goals 同时. The more money you can squirrel away for college bills now, the less money you or your child will need to borrow later. Even if you can allocate only a small amount to your child’s college fund, 比如一个月50或100美元, you might be surprised at how much you can accumulate over many years. 例如, 如果你每个月存100美元，每年赚8%, 你有18美元,10年后在孩子的大学基金里存415美元. (This example is for illustrative purposes only and does not represent a specific investment. Investment returns will fluctuate and cannot be guaranteed.)
If you're unsure about how to allocate your funds between retirement and college, 专业的理财规划师或许能帮上忙. This person can also help you select appropriate investments for each goal. 还记得, just because you're pursuing both goals 同时 doesn't necessarily mean that the same investments will be suitable. 独立对待每个目标可能是合适的.
If the numbers say that you can't afford to educate your child or retire with the lifestyle you expected, 你可能要做出一些牺牲. 以下是一些建议:
You might consider increasing your hours at your current job, 找一份薪水更高的工作, 做第二份工作, or having a previously stay-at-home spouse return to the workforce.
尽管你尽了最大的努力, your child may need to take out student loans or work part-time to earn money for college.
工作时间越长, the more money you’ll earn and the later you'll need to dip into your retirement savings.
You may have dreamed you child would follow in your footsteps and attend your alma mater, 或者他们会去常春藤盟校. However, unless your child is awarded a scholarship, you may need to lower your expectations. Don't feel guilty – a lesser-known college or a state university can provide your child with a similar quality education at a far lower cost.
Your child could attend a local college and live at home to save on room and board, enroll in an accelerated program to graduate in three years instead of four, take advantage of a cooperative education where paid internships alternate with course work, or defer college for a year or two and work to earn money for college.
You might be able to adjust your spending habits now in order to have money later. 或者，你可以考虑在退休后削减开支.
如果你离退休或上大学还有好几年, you might be able to earn more money by investing more aggressively (but remember that aggressive investments mean a greater risk of loss). 请注意，没有任何投资策略可以保证成功.
Working part-time during retirement is becoming a more popular option for many people, 无论是为了维持某种生活方式, 与当地社区保持联系, 从工作中找到满足感, 获得保险福利, 或者帮助支持孩子的教育. 一些退休人员选择在同一行业找工作, while others choose it as an opportunity to do something else, perhaps indulge a professional interest they couldn’t explore earlier in life.
退休计划? Patelco’s guide will help you calculate your retirement income, 费用, 了解计划和储蓄工具的类型.
为大学或职业培训的费用发愁. Find sources of scholarships for high school students to help you achieve your education goals.
为大学存钱? 了解税收优惠的选择, how they affect financial aid so you can determine the best way for you to save for college!