• Start as early as possible
  • Opt in to your’ company’s 401(k) and contribute the maximum amount your employer matches, if you can
  • Diversify your investments
  • Set realistic goals
  • Roll all of your retirement accounts into one investment company


  • Choose only low-risk investments when you’re starting out
  • Teach yourself about stocks and try to manage your retirement money without a financial advisor
  • Withdraw money from your retirement accounts
  • Forget to account for inflation when you are setting goals
  • Accumulate large debts to pay off during retirement
  • Neglect your investments. Rebalance them often
  • Rely on Social Security alone