{"id":35161,"date":"2026-04-03T17:10:21","date_gmt":"2026-04-03T17:10:21","guid":{"rendered":"https:\/\/indafunds.com\/?p=35161"},"modified":"2026-04-03T17:10:23","modified_gmt":"2026-04-03T17:10:23","slug":"what-you-need-to-do-now-to-retire-comfortably-later","status":"publish","type":"post","link":"https:\/\/indafunds.com\/?p=35161","title":{"rendered":"What You Need to Do Now to Retire Comfortably Later"},"content":{"rendered":"<div id=\"body-433380\">\n<figure class=\"post-image caption \"><figcaption class=\"post-image-attr caption-text\">Rawpixel.com \/ Shutterstock.com<\/figcaption><\/figure>\n<p><em>Editor&#8217;s Note: This story originally appeared on The Penny Hoarder.<\/em><\/p>\n<p>You probably don\u2019t need us to tell you that the earlier you start saving for retirement, the better.<\/p>\n<p>But let\u2019s face it: For a lot of people, the problem isn\u2019t that they don\u2019t understand\u00a0how compounding works. They start saving late because their paychecks will only stretch so far.<\/p>\n<p>Whether you\u2019re in your 20s or your golden years are fast-approaching, saving and investing whatever you can will help make your retirement more comfortable.<\/p>\n<p>We\u2019ll discuss how to save for retirement during each decade, along with the hurdles you may face at different stages of life.<\/p>\n<h2>How Much Should You Save for Retirement?<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Nattakorn_Maneerat \/ Shutterstock.com\" data-image-id=\"362391\" class=\"size-full wp-image-362391 img-fluid\" alt=\"save money\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_1181708167-scaled.jpg\"   loading=\"lazy\"\/><figcaption class=\"post-image-attr caption-text\">Nattakorn_Maneerat \/ Shutterstock.com<\/figcaption><\/figure>\n<p>A good rule of thumb is to save between 10% and 20% of pre-tax income for retirement. But the truth is, the actual amount you need to save for retirement depends on a lot of factors, including:<\/p>\n<ul>\n<li><strong>Your age.<\/strong>\u00a0If you get a late start, you\u2019ll need to save more.<\/li>\n<li><strong>Whether your employer matches contributions.\u00a0<\/strong>The 10% to 20% guideline includes your employer\u2019s match. So if your employer matches your contributions dollar-for-dollar, you may be able to get away with less.<\/li>\n<li><strong>How aggressively you invest. <\/strong>Taking more risk usually leads to larger returns, but your losses will be steeper if the stock market tanks.<\/li>\n<li><strong>How long you plan to spend in retirement. <\/strong>It\u2019s impossible to predict how long you\u2019ll be able to work or how long you\u2019ll live. But if you plan to retire early or people in your family often live into their mid-90s, you\u2019ll want to save more.<\/li>\n<\/ul>\n<h2>How to Save for Retirement at Every Age<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"gpointstudio \/ Shutterstock.com\" data-image-id=\"407016\" class=\"size-full wp-image-407016 img-fluid\" alt=\"Women of multiple generations\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_231589621-scaled.jpg\"   loading=\"lazy\"\/><figcaption class=\"post-image-attr caption-text\">gpointstudio \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Now that you\u2019re ready to start saving, here\u2019s a decade-by-decade breakdown of savings strategies and how to make your retirement a priority.<\/p>\n<h2>Saving for Retirement in Your 20s<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Krakenimages.com \/ Shutterstock.com\" data-image-id=\"484862\" class=\"size-full wp-image-484862 img-fluid\" alt=\"Happy woman holding a money jar stuffed with savings.\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2012192954-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Krakenimages.com \/ Shutterstock.com<\/figcaption><\/figure>\n<p>A dollar invested in your 20s is worth more than a dollar invested in your 30s or 40s.<\/p>\n<p>The problem: When you\u2019re living on an entry-level salary, you just don\u2019t have that many dollars to invest, particularly if you have\u00a0student loan debt.<\/p>\n<h2>Prioritize Your 401(k) Match<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"DD Images \/ Shutterstock.com\" data-image-id=\"183053\" class=\"size-full wp-image-183053 img-fluid\" alt=\"Piggy bank with 401k on the side, next to stacks of coins\" width=\"4907\" height=\"2913\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/401k.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">DD Images \/ Shutterstock.com<\/figcaption><\/figure>\n<p>If your company offers a\u00a0401(k) plan, a\u00a0403(b) plan\u00a0or any retirement account with matching contributions, contribute enough to get the full match \u2014 unless of course you wouldn\u2019t be able to pay bills as a result.<\/p>\n<p>The stock market delivers annual returns of about 8% on average. But if your employer gives you a 50% match, you\u2019re getting a 50% return on your contribution before your money is even invested. That\u2019s free money no investor would ever pass up.<\/p>\n<h2>Pay Off High-Interest Debt<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Seksan 99 \/ Shutterstock.com\" data-image-id=\"234985\" class=\"size-full wp-image-234985 img-fluid\" alt=\"plastic\" width=\"4608\" height=\"2870\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_426841276.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Seksan 99 \/ Shutterstock.com<\/figcaption><\/figure>\n<p>After getting that employer match, focus on tackling any high-interest debt. Companies like Freedom Debt Relief can help with that by having negotiators work with your credit card companies to reduce your overall credit card debt.<\/p>\n<p>It\u2019s free to talk with a debt consultant to discuss your options and find the best debt relief strategy for your situation. There are no judgments. Just be prepared to explain why you\u2019re struggling to make your payments and tell them a little bit about your finances.<\/p>\n<h2>Take More Risks<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Hryshchyshen Serhii \/ Shutterstock.com\" data-image-id=\"427498\" class=\"size-full wp-image-427498 img-fluid\" alt=\"Smart investor holding cash\" width=\"2560\" height=\"1703\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2265826321-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Hryshchyshen Serhii \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Look, we\u2019re not telling you to throw your money into\u00a0risky investments\u00a0like bitcoin or the\u00a0penny stock\u00a0your cousin won\u2019t shut up about.<\/p>\n<p>But when you start investing, you\u2019ll probably answer some questions to assess your\u00a0risk tolerance. Take on as much risk as you can mentally handle, which means you\u2019ll invest mostly in stocks with a small percentage in bonds.<\/p>\n<p>Don\u2019t worry too much about a stock market crash. Missing out on growth is a bigger concern right now.<\/p>\n<h2>Build Your Emergency Fund<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Ariya J \/ Shutterstock.com\" data-image-id=\"276299\" class=\"size-full wp-image-276299 img-fluid\" alt=\"Emergency fund\" width=\"4000\" height=\"2672\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/emergency-fund_1200348475_Ariya-J.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Ariya J \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Building an\u00a0emergency fund\u00a0that could cover your expenses for three to six months is a great way to safeguard your retirement savings. That way you won\u2019t need to tap your growing nest egg in a cash crunch. This isn\u2019t money you should have invested, though. Some options include:<\/p>\n<ul>\n<li>High-yield savings accounts<\/li>\n<li>Money market accounts<\/li>\n<li>Certificates of deposit (CDs)<\/li>\n<\/ul>\n<h2>Tame Lifestyle Inflation<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Krakenimages.com \/ Shutterstock.com\" data-image-id=\"314192\" class=\"size-full wp-image-314192 img-fluid\" alt=\"Woman with piggy bank\" width=\"2560\" height=\"1675\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_1111141514-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Krakenimages.com \/ Shutterstock.com<\/figcaption><\/figure>\n<p>We want you to enjoy those much-deserved raises ahead of you \u2014 but keep\u00a0lifestyle inflation\u00a0in check. Don\u2019t spend every dollar each time your paycheck gets higher.<\/p>\n<p>Commit to investing a certain percentage of each raise and then use the rest as you please.<\/p>\n<h2>Saving for Retirement in Your 30s<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"AnotherPerfectDay \/ Shutterstock.com\" data-image-id=\"412969\" class=\"size-full wp-image-412969 img-fluid\" alt=\"Family illustrating life insurance concept\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2211509053-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">AnotherPerfectDay \/ Shutterstock.com<\/figcaption><\/figure>\n<p>If you\u2019re just starting to save in your 30s, the picture isn\u2019t too dire. You still have about three decades left until retirement, but it\u2019s essential not to delay any further.<\/p>\n<p>Saving may be a challenge now, though, if you\u2019ve added kids and homeownership to the mix.<\/p>\n<h2>Invest in an IRA<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Vitalii Vodolazskyi \/ Shutterstock.com\" data-image-id=\"399637\" class=\"size-full wp-image-399637 img-fluid\" alt=\"IRA investing\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_1249770541-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Vitalii Vodolazskyi \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Opening a Roth IRA is a great way to supplement your savings if you\u2019ve only been investing in your 401(k) thus far. A Roth IRA is a solid bet because you\u2019ll get tax-free money in retirement.<\/p>\n<p><span style=\"font-size: 1rem\">If you earn too much to fund a Roth IRA, or you want the tax break now (even though it means paying taxes in retirement), you can contribute to a traditional IRA.<\/span><\/p>\n<p>Your investment options with a 401(k) are limited. But with an IRA, you can invest in whatever stocks, bonds, mutual funds or exchange-traded funds (ETFs) you choose.<\/p>\n<h2>Avoid Mixing Retirement Money With Other Savings<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"FabrikaSimf \/ Shutterstock.com\" data-image-id=\"238112\" class=\"size-full wp-image-238112 img-fluid\" alt=\"Roth IRA\" width=\"5309\" height=\"3540\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_1077668267.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">FabrikaSimf \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You\u2019re allowed to take a 401(k) loan for a home purchase. The Roth IRA rules give you the flexibility to use your investment money for a first-time home purchase or college tuition. You\u2019re also allowed to withdraw your contributions whenever you want.<\/p>\n<p>Wait, though. That doesn\u2019t mean you should.<\/p>\n<p>The obvious drawback is that you\u2019re taking money out of the market before it\u2019s had time to compound. But there\u2019s another downside. It\u2019s hard to figure out if you\u2019re on track for your retirement goals when your Roth IRA is doing double duty as a college savings account or down payment fund.<\/p>\n<h2>Start a 529 Plan While Your Kids Are Young<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"designer491 \/ Shutterstock.com\" data-image-id=\"237729\" class=\"size-full wp-image-237729 img-fluid\" alt=\"529 plan\" width=\"5500\" height=\"3667\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_791200093.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">designer491 \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Saving for your own future takes higher priority than saving for your kids\u2019 college. But if your retirement funds are in shipshape, opening a\u00a0529 plan\u00a0to save for your children\u2019s education is a smart move.<\/p>\n<p>Not only will you keep the money separate from your nest egg, but by planning for their education early, you\u2019ll avoid having to tap your savings for their needs later on.<\/p>\n<h2>Keep Investing When the Stock Market Crashes<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"crazystocker \/ Shutterstock.com\" data-image-id=\"235303\" class=\"size-full wp-image-235303 img-fluid\" alt=\"Investing\" width=\"6000\" height=\"4004\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/Investing-464680475-crazystocker.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">crazystocker \/ Shutterstock.com<\/figcaption><\/figure>\n<p>The S&amp;P 500 index, which represents about 80% of the U.S. stock market, finished out 2023 with a 24% gain. But the stock market has a major meltdown like the March 2020 COVID-19 crash about once a decade.<\/p>\n<p>But if a prolonged bear market or crash happens in your 30s, it\u2019s often the first time you have enough invested to see your net worth take a hit. Don\u2019t let panic take over. No cashing out. Commit to dollar-cost averaging and keep investing as usual, even when you\u2019re terrified.<\/p>\n<h2>Saving for Retirement in Your 40s<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Cherry b l o s s o m \/ Shutterstock.com\" data-image-id=\"267834\" class=\"size-full wp-image-267834 img-fluid\" alt=\"Nest egg\" width=\"5899\" height=\"4001\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_1215799951.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Cherry b l o s s o m \/ Shutterstock.com<\/figcaption><\/figure>\n<p>If you\u2019re in your 40s and started saving early, you may have a healthy nest egg by now. But if you\u2019re behind on your retirement goals, now is the time to ramp things up.<\/p>\n<p>You still have plenty of time to save, but you\u2019ve missed out on those early years of compounding.<\/p>\n<h2>Continue Taking Enough Risk<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"create jobs 51 \/ Shutterstock.com\" data-image-id=\"204949\" class=\"size-full wp-image-204949 img-fluid\" alt=\"A tree symbolizing investment growth\" width=\"5551\" height=\"3768\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_461636197.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">create jobs 51 \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You may feel like you can afford less investment risk in your 40s, but you still realistically have another two decades left until retirement. Your money still has \u2014 and needs \u2014 plenty of time to grow.<\/p>\n<p>Stay invested mostly in stocks, even if it\u2019s more unnerving than ever when you see the stock market tank.<\/p>\n<h2>Put Your Retirement Above Your Kids\u2019 College Fund<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"ChristianChan \/ Shutterstock.com\" data-image-id=\"241160\" class=\"size-full wp-image-241160 img-fluid\" alt=\"Jar labelled \" retirement=\"\" with=\"\" coins=\"\" in=\"\" and=\"\" around.=\"\" width=\"5472\" height=\"3648\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/retirement-jar_595411247_ChristianChan.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">ChristianChan \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You can only afford to pay for your kids\u2019 college if you\u2019re on track for retirement.<\/p>\n<p>Talk to your kids early on about what you can afford, as well as their options for avoiding massive student loan debt, including attending a cheaper school, getting financial aid, and working while going to school.<\/p>\n<p>Your options for funding your retirement are much more limited.<\/p>\n<h2>Keep Your Mortgage<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Smit \/ Shutterstock.com\" data-image-id=\"419412\" class=\"size-full wp-image-419412 img-fluid\" alt=\"House on top of cash representing a mortgage\" width=\"2560\" height=\"1709\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_576350866-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Smit \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Mortgage rates vary from week to week. Your potential returns are much higher for investing, so you\u2019re better off putting extra money into your retirement accounts.<\/p>\n<p>If you haven\u2019t already done so, consider refinancing your mortgage\u00a0to get the lowest rate.<\/p>\n<h2>Invest Even More<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"insta_photos \/ Shutterstock.com\" data-image-id=\"385417\" class=\"size-full wp-image-385417 img-fluid\" alt=\"Happy amateur investor\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2014536920-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">insta_photos \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Now is the time to invest even more if you can afford to. Keep getting that full employer 401(k) match. Beyond that, try to max out your IRA contributions.<\/p>\n<p>If you have extra money to invest on top of that, consider allocating more to your 401(k). Or you could invest in a\u00a0taxable brokerage account\u00a0if you want more flexibility on\u00a0how to invest.<\/p>\n<h2>Meet With a Financial Advisor<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Drazen Zigic \/ Shutterstock.com\" data-image-id=\"477076\" class=\"size-full wp-image-477076 img-fluid\" alt=\"Couple with a real estate agent\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2038643696-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Drazen Zigic \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You\u2019re about halfway through your working years when you\u2019re in your 40s. Now is a good time to meet with a financial advisor.<\/p>\n<p>If you can\u2019t afford one, a\u00a0financial counselor\u00a0is typically less expensive. They\u2019ll focus on fundamentals like budgeting and paying off debt, rather than giving investment advice.<\/p>\n<h2>Saving for Retirement in Your 50s<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"insta_photos \/ Shutterstock.com\" data-image-id=\"524527\" class=\"size-full wp-image-524527 img-fluid\" alt=\"Man in his fifties\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/mature-man_2423464835_insta_photos-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">insta_photos \/ Shutterstock.com<\/figcaption><\/figure>\n<p>By your 50s, those retirement years that once seemed like they were an eternity away are getting closer. Maybe that\u2019s an exciting prospect \u2014 or perhaps it fills you with dread.<\/p>\n<p>Whether you want to keep working forever or retirement can\u2019t come soon enough, now is the perfect time to start setting goals for when you want to retire and what you want your retirement to look like.<\/p>\n<h2>Review Your Asset Allocation<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Jonathan Weiss \/ Shutterstock.com\" data-image-id=\"398228\" class=\"size-full wp-image-398228 img-fluid\" alt=\"Series I U.S. government savings bonds\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2029775237-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Jonathan Weiss \/ Shutterstock.com<\/figcaption><\/figure>\n<p>In your 50s, you may want to start shifting more into safe assets, like bonds or CDs. Your money has less time to recover from a stock market crash.<\/p>\n<p>Be careful, though. You still want to be invested in stocks so you can earn returns that will keep your money growing.<\/p>\n<p>But remember, if interest rates are low, bonds and CDs probably won\u2019t earn enough to keep pace with inflation if it ever ramps back up.<\/p>\n<h2>Take Advantage of Catch-Up Contributions<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"designer491 \/ Shutterstock.com\" data-image-id=\"299096\" class=\"size-full wp-image-299096 img-fluid\" alt=\"Health savings account (HSA)\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/hsa_506693818_designer491-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">designer491 \/ Shutterstock.com<\/figcaption><\/figure>\n<p>If you\u2019re behind on retirement savings, give your funds a boost using catch-up contributions. In 2026, you can contribute:<\/p>\n<ul>\n<li>$1,000 extra to a Roth or traditional IRA (or split the money between the two) once you\u2019re 50<\/li>\n<li>$8,000 extra to your 401(k) and most other workplace accounts once you\u2019re 50<\/li>\n<li>$1,000 extra to a\u00a0health savings account\u00a0(HSA) once you\u2019re 55.<\/li>\n<\/ul>\n<p>The Secure Act 2.0, which passed in December 2022, increased catch-up contributions to employer-sponsored accounts for workers between ages 60 and 63 beginning in 2025.<\/p>\n<h2>Work More if You\u2019re Behind<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"AYO Production \/ Shutterstock.com\" data-image-id=\"486151\" class=\"size-full wp-image-486151 img-fluid\" alt=\"Older woman working in office.\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2354982531-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">AYO Production \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Your window for catching up on retirement savings is getting smaller now. So if you\u2019re behind, consider your options for earning extra money to put into your nest egg.<\/p>\n<p>You could take on a\u00a0side hustle, take on freelance work or work overtime if that\u2019s a possibility to bring in extra cash. Even if you intend to work for another decade or two, many people are\u00a0forced to retire earlier than they planned.<\/p>\n<p>It\u2019s essential that you earn as much as possible while you can.<\/p>\n<h2>Pay Off Your Remaining Debt<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Ju Jae-young \/ Shutterstock.com\" data-image-id=\"361084\" class=\"size-full wp-image-361084 img-fluid\" alt=\"Man paying off debt\" width=\"2560\" height=\"1706\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_1889961238-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Ju Jae-young \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Since your 50s is often when you start shifting away from high-growth mode and into\u00a0safer investments, now is a good time to use extra money to pay off lower-interest debt, including your mortgage.<\/p>\n<p>Retirement will be much more relaxing if you can enjoy it debt-free.<\/p>\n<h2>Saving for Retirement in Your 60s<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"amenic181 \/ Shutterstock.com\" data-image-id=\"427769\" class=\"size-full wp-image-427769 img-fluid\" alt=\"Senior couple upset about money issues\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2225677795-1-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">amenic181 \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Hooray, you\u2019ve made it! Hopefully your retirement goals are looking attainable by now after working for decades to get here. But you still have some big decisions to make.<\/p>\n<p>Someone in their 60s in 2026 could easily spend another two to three decades in retirement. Your challenge now is to make that hard-earned money last as long as possible.<\/p>\n<h2>Make a Retirement Budget<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Prostock-studio \/ Shutterstock.com\" data-image-id=\"415796\" class=\"size-full wp-image-415796 img-fluid\" alt=\"Senior using a laptop\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2101103296-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Prostock-studio \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Start planning your retirement budget at least a couple years before you actually retire. Financial planners generally recommend replacing about 70% to 80% of your pre-retirement income. Common income sources for seniors include:<\/p>\n<ul>\n<li><strong>Social Security benefits<\/strong>. Monthly benefits replace about 40% of pre-retirement income for the average senior.<\/li>\n<li><strong>Retirement account withdrawals<\/strong>. Money you take out from your retirement accounts, like your 401(k) and IRA.<\/li>\n<li><strong>Defined-benefit pensions<\/strong>. These are increasingly rare in the private sector, but still somewhat common for those retiring from a career in public service.<\/li>\n<li><strong>Annuities<\/strong>. Though controversial in the personal finance world, an annuity could make sense if you\u2019re worried about outliving your savings.<\/li>\n<li><strong>Other investment income<\/strong>. Some seniors supplement their retirement and Social Security income with earnings from real estate investments or dividend stocks, for example.<\/li>\n<li><strong>Part-time work<\/strong>. A part-time job can help you delay dipping into your retirement savings account, giving your money more time to grow.<\/li>\n<li><strong>Reverse mortgages<\/strong>: If you\u2019ve paid off your home or have significant equity, a reverse mortgage can provide extra income.<\/li>\n<\/ul>\n<h2>Account for Decreased Expenses<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Prostock-studio \/ Shutterstock.com\" data-image-id=\"392298\" class=\"size-full wp-image-392298 img-fluid\" alt=\"Senior man holding money\" width=\"2560\" height=\"1788\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2082381658-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Prostock-studio \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You can plan on some expenses going away. You won\u2019t be paying payroll taxes or making retirement contributions, for example, and maybe your mortgage will be paid off.<\/p>\n<p>But you generally don\u2019t want to plan for any budget cuts that are too drastic.<\/p>\n<p>Even though some of your expenses will decrease, health care costs eat up a large chunk of senior income, even once you\u2019re eligible for\u00a0Medicare coverage\u00a0\u2014 and they usually increase much faster than inflation.<\/p>\n<h2>Develop Your Social Security Strategy<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Casimiro PT \/ Shutterstock.com\" data-image-id=\"418404\" class=\"size-full wp-image-418404 img-fluid\" alt=\"Social Security website\" width=\"2560\" height=\"1709\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_696507001-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Casimiro PT \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You can take your\u00a0Social Security benefits\u00a0as early as 62 or as late as age 70. But the earlier you take benefits, the lower your monthly benefits will be.<\/p>\n<p>If your retirement funds are lacking, delaying as long as you can is usually the best solution. Taking your benefit at 70 versus 62 will result in monthly checks that are about 76% higher.<\/p>\n<p>However, if you have significant health problems, taking benefits earlier may pay off.<\/p>\n<h2>Figure Out How Much You Can Afford to Withdraw<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"fizkes \/ Shutterstock.com\" data-image-id=\"416699\" class=\"size-full wp-image-416699 img-fluid\" alt=\"Senior woman weighing whether to file for Social Security\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_2217456017-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">fizkes \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Once you\u2019ve made your retirement budget and estimated how much Social Security you\u2019ll receive, you can estimate how much you\u2019ll be able to safely withdraw from your retirement accounts.<\/p>\n<p>A common retirement planning guideline is the 4% rule: You withdraw no more than 4% of your retirement savings in the first year, then adjust the amount for inflation.<\/p>\n<p>If you have a Roth IRA, you can let that money grow as long as you want and then enjoy it tax-free. But you\u2019ll have to take required minimum distributions, or RMDs, beginning at age 73 (previously age 72) if you have a 401(k) or a traditional IRA.<\/p>\n<p>These are mandatory distributions based on your life expectancy.<\/p>\n<p>The penalties for not taking them are stiff: You\u2019ll owe the IRS 25% of the amount you were supposed to withdraw for tax year 2023 and subsequent years.<\/p>\n<h2>Keep Investing While You\u2019re Working<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"Syda Productions \/ Shutterstock.com\" data-image-id=\"352534\" class=\"size-full wp-image-352534 img-fluid\" alt=\"Seniors happily planning budget and spending money\" width=\"2560\" height=\"1710\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/04\/shutterstock_256155631-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">Syda Productions \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Avoid taking money out of your retirement accounts while you\u2019re still working. Once you\u2019re over age 59 \u00bd, you won\u2019t pay an early withdrawal penalty, but you want to avoid touching your retirement funds for as long as possible.<\/p>\n<p>Instead, continue to invest in your retirement plans as long as you\u2019re still earning money. But do so cautiously.<\/p>\n<p>Keep money out of the stock market if you\u2019ll need it in the next five years or so, since your money doesn\u2019t have much time to recover from a stock market crash in your 60s.<\/p>\n<h2>A Final Thought: Make Your Retirement About You<\/h2>\n<figure class=\"post-image caption \"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" data-portal-copyright=\"PeopleImages.com - Yuri A \/ Shutterstock.com\" data-image-id=\"433025\" class=\"size-full wp-image-433025 img-fluid\" alt=\"Happy senior couple\" width=\"2560\" height=\"1707\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2026\/03\/shutterstock_2288694119-scaled.jpg\"  \/><figcaption class=\"post-image-attr caption-text\">PeopleImages.com \u2013 Yuri A \/ Shutterstock.com<\/figcaption><\/figure>\n<p>Whether you\u2019re still working or you\u2019re already enjoying your golden years, this part is essential: You need to prioritize you.<\/p>\n<p>That means your retirement savings goals need to come before bailing out family members or paying for college for your children and grandchildren. After all, no one else is going to come to the rescue if you get to retirement with no savings.<\/p>\n<p>If you\u2019re like most people, you\u2019ll work for decades to get to retirement. The earlier you start planning for it, the more stress-free it will be.<\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.moneytalksnews.com\/slideshows\/how-to-save-for-retirement-decade-by-decade\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rawpixel.com \/ Shutterstock.com Editor&#8217;s Note: This story originally appeared on The Penny Hoarder. You probably don\u2019t need us to tell you that the earlier you start saving for retirement, the better. But let\u2019s face it: For a lot of people, the problem isn\u2019t that they don\u2019t understand\u00a0how compounding works. They start saving late because their [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35162,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[34],"tags":[],"class_list":{"0":"post-35161","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-save-money"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What You Need to Do Now to Retire Comfortably Later | Inda Funds<\/title>\n<meta name=\"description\" content=\"Rawpixel.com \/ Shutterstock.com Editor&#039;s Note: This story originally appeared on The Penny Hoarder.You probably don\u2019t need us to tell you that the earlier\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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